A financial dominatrix rarely takes off her clothes or engages in sex. But she might have to talk a lot of shit about a client’s FICO score or let him listen in while she splurges at Saks with his cash.
By Elizabeth Kiefer
[T]he first time Ceara Lynch dipped a toe in the world of sex work, she was 17 and a long way from home. A high school student who had grown up in the Portland, Oregon, area, Lynch was doing a semester abroad as an exchange student in Japan. She didn’t know the language, or anyone who spoke English. She was bored and lonely. So she did what people do now when faced with social isolation: connected with friends, and strangers, online.
“This one guy started randomly talking to me after he saw my profile on some site,” Lynch remembers. Though it wasn’t an adult platform, she explains: “To be straightforward: He was a big pervert.”
This stranger on the Internet had a host of fetishes—golden showers, pantyhose, you name it—stuff that seemed shocking at the time, though Lynch wouldn’t blink twice about anymore. He wanted to meet up; she said absolutely not. “I was young, but I wasn’t stupid,” she points out with a laugh.
When the man finally accepted that there would be no IRL meet-up, he asked her if she’d do something else: let him buy a bottle of her urine. At first she thought no way. But the more that Lynch considered the offer, the more she felt like, “What did I have to lose?” She packed up her pee and sent it away to the address he provided. Two weeks later an envelope arrived in the mail—containing $250 cash. That’s when she recognized a potential business opportunity. “I thought: If guys like this found me by accident, what would happen if I went looking for them?”
Lynch started selling her used underwear, among other things, online through an auction site that is best described at eBay but for fetishes. Guys would bid for her garbage, her used tampons, excrement, “all this wild stuff,” she recalls. But when she started to get messages from men begging to be her “money slave” she had to do some research to figure out what they meant. Eventually she stumbled on the kink she was looking for: financial domination. That was 10 years ago. And it’s how she’s been making her living ever since.
At its most basic level, financial domination is pretty much what it sounds like: domination whereby, instead of a bondage or ball gag, money is the means of (consensual) abuse. When you scratch below the surface though, that’s where it gets a little tougher to understand—as Lynch explains it, all BDSM is an exchange of power, and financial domination isn’t any different, but it’s not a kink most people understand unless they’re into it.
A financial dominatrix might be paid by her submissive to talk shit about his FICO score or tell him she’s going to spend all his money, even if she never actually has access to his accounts. Or maybe she has his credit card numbers and he gets off on the fear that one day she’ll decide to max it out; in other cases, he might send her, via Venmo or another money-sharing app, a certain amount of cash and want to listen in while she’s shopping so he knows how she’s spending it. The whole point is that the submissive gets off on the idea of losing power over his money—it’s his form of waiting for the bullwhip to crack.
FinDom for short, the fetish falls under the BDSM umbrella, can take on a variety of forms, and is admittedly fairly niche; it also goes by other names, like financial slavery. A financial dominatrix rarely—if ever—takes off her clothes or has sex with a client. According to Lynch, the fact that she doesn’t is an integral part of her brand.
“I don’t get naked in my videos. That’s kind of important for my image actually. If I were to do that, I would certainly gain another audience,” she says. “But I would lose a lot of them too, because the whole idea is that my submissives aren’t worthy of seeing me naked. Also I just don’t want to.”
FinDoms—who are typically women, though not always—might be called money mistresses, while submissives are referred to as cash cows, money slaves, or pay pigs, among other epithets. Unlike a sugar baby, a woman who has an emotional or sexual relationship with her client in exchange for cash, she’s demanding and assertive, not supplicant or sweet. But though the specifics of a relationship dynamic might vary, in a culture that equates money with power, and sex with power, financial domination can sound, at least in theory, like the ultimate aphrodisiac to some.
While financial domination is better known than it used to be, it remains a highly niche fetish that sex researchers don’t know much about, much like BDSM itself. Justin Lehmiller, Ph.D., is an award-winning sex researcher and psychology professor whose book Tell Me What You Want: The Science of Sexual Desire and How It Can Help You Improve Your Sex Life hits shelves this summer, explains that the lack of qualitative and quantitative data on this sexual proclivity has much to do with the fact that we literally haven’t been asking people about it. Questions about FinDom have yet to appear on national sex surveys, which also means that we have little way of knowing if it’s more or less popular now than it used to be.
At least one thing is clear, though. “The Internet has allowed people with interest in BDSM to find a like-minded community.” That’s the medium through which most FinDoms work, whether via chat, video, pay-per-minute calls, and “ignore lines,” which are exactly what they sound like: a line that a sub calls into with the express purpose of paying for the pleasure of being ignored.
If you think it sounds easy, Lynch wants to correct the record: “You see a lot of girls try and get into it by just setting up a Twitter account. But if you’re going hunting for these guys, you’re just not going to find them.”
In a way, a successful financial dominatrix is just like any other online influencer. It’s all about building a brand, creating content, and connecting with followers in a way that brings them back for more. “Offering webcam, making videos, having an Instagram and Twitter presence”—in other words, diversifying revenue streams so that you’re widening your reach and depending less on one-on-one interactions. Maybe you also dabble in foot fetish or humiliation (Lynch also refers to herself as a humiliatrix). “If you keep doing that, and putting it out there, every once in a while, you’ll catch what I like to call a white whale,” she says, “one of those guys who surfaces, gives you a ton of money and then disappears.”
Speaking of money, by now you’re probably wondering what a financial dominatrix actually commands for her services. That answer depends on a range of variables. But Lynch breaks it down by the things she actually sells. “My webcam rate is $10 per minute, and my prerecorded videos, which usually run about 10 minutes, are around $10. If I guy wants a custom video, those start at $250 or so, and scale up depending on how elaborate their idea is. Then I have my phone lines: Talking to me is $5 per minute. With the ignore line, the guy just calls me and then I put the phone down, and I get paid for as long as he stays on the line.”
Other FinDoms Glamour spoke to for this story said they wouldn’t get on the phone for less than $50, and that their financial domination “side hustle” might yield $30,000 a year. Lynch is less inclined to share an exact figure, but it’s worth mentioning that, when we spoke, she was in the midst of a three-month trip through Asia, and that this duration of travel is a pretty normal part of her lifestyle. “I make six figures, I’ll say that,” she says. She’s used the money to buy a few investment properties, and has been an incorporated business for 10 years.
Another FinDom Glamour emailed with shared that, over the past 19 years, her financial domination business has afforded her the kind of lifestyle where she could be available and present for her four kids every day. When we connected, she was currently taking her youngest on a class trip to Disney World before heading back to work after the vacation.
Of course, on top of the rates and attention for pay, there’s also another financial element: spending sub’s money. Tatiana, a 30-year-old West Coast-based financial dominatrix, relayed an exchange with a client who transferred $450 into her Venmo account—under the condition that she go shopping and let him listen into how he spent her money.
The phone stayed in her purse, from which she could hear him loudly protesting the conversations about specific items she was having with the salespeople—the resistance, and the sub’s inability to do anything about it, is part of the kink. When she pouted about the fact that he hadn’t sent her enough to buy a pair Louboutin booties, he eventually wound up sending her an extra $200. “I viewed it as a tip,” she says.
Lynch recalled a time that a sub wanted to be “tag-teamed” by herself and another FinDom: He paid for an hour of their cam time each, set up his credit card information with Saks Fifth Avenue sites, and requested that they tell him what they were buying as they shopped the site. “I think we ended up spending something like $10,000 between us just in that hour,” she says.
But it’s not all shopping sprees and big spenders. “The thing about this fetish is that you don’t necessarily have to have a lot of money to have it,” she says. “You might just get off on the idea of it.”
“For instance, I had a guy one time call me on my talk line, just for a quick chat. He wanted me to tell him how rich I am, how I want all his money, how greedy I am. Then, at the end, he hung up and paid me maybe $10.”
Another thing about being a financial dominatrix versus a real-life dungeon master is that it removes the element—and some of the potential danger—of working in the BDSM world. Because doms and subs tend not to exchange real identifying information, it allows for more anonymity (for example, Ceara Lynch is not Ceara Lynch’s real name), and the fact that interactions largely happen online on or the phone adds a protective layer into the practice.
Over the last decade Lynch can recall being doxxed only once, and when she reported it to police, they basically told her there was no recourse. In the end, she decided the best way to deal with it was to ignore it, and eventually the guy just faded away. “Unfortunately, if someone really wanted to find a lot of personal information about me, they could. There’s only so much I can do about it. It’s just kind of a risk I’m willing to take.”
Subs are obviously going out on a limb too. Sydney Lee, a dominatrix whose YouTube channel AstroDomina is devoted to explaining kinks of all kinds to the layman viewer, describes how her pay pigs getting aroused by the idea that she could financially ruin them at any moment.
“It’s a deep mental fetish, and it definitely takes more than a random pretty girl saying, ‘Give me money,’” she says in a video devoted to FinDom. That comment echoed an observation Lynch made about supply and demand—and why it’s harder to be a successful financial dominatrix than it might seem. Which makes sense, given that capitulation to the dom is part of the kink.
“One thing about financial domination is that there’s this element of humiliation that goes along with it,” explains Lehmiller. “What we know now from a lot of research is that physical pain and psychological pain activate the same areas of the brain and have similar effects. One of those effects makes us focus more on the here and now, allowing us to experience other things more intensely—for example, if you experience pain and then have sexual stimulation afterward, it might feel more intense.” In the case of financial domination, it’s not hard to see how chasing intensity might put a submissive on the road to financial ruin. It’s the kind of costly thrill you don’t want to be addicted to unless you can afford it.
Lee, of AstroDomina, positioned it in her FinDom video like this: “Handing over money is the ultimate representation of surrender or submission for most money slaves.” And with all the ways to connect and spend money these days, it’s never been easier for subs to find their financial doms or make deposits into their accounts.
Lynch has watched the landscape change a lot over the years. “When I first started, there were about five girls doing this,” she says. “But now there’s this huge influx of girls trying to do it because it seems easy. Once, one of my slaves gave me his log-in to Twitter and I went through his DMs—there were all these women trying to hustle him, like, ‘Hey bitch, pay me.’ I’ve had the luxury of time to build my brand, and I don’t mean to talk shit; however girls make it work, they make it work. But I thought it was fascinating because I have never sent a message to a guy first. They come to me.”
She used to think she would be out of the business by now, and, in a way, she’s a little surprised at how in-demand she continues to be.
“In the adult industry youth and beauty are your main currency—I imagined that mine would be up by now. But I make more and more money every year. It’s really confusing and unexpected. I always told myself I would keep doing it until it makes sense not to. I have my bachelor’s, but it’s not a very useful bachelor’s, so I’ve thought about going back to school one day.”
But even though she know she has plenty of options on the table, Lynch says, at this point, it doesn’t make sense to set FinDom aside—she just doesn’t have a reason to. “I make a lot of money. I travel. I have a really cool life right now. My focus is to make as much money as I can for the future, put it into real estate and other investments. Once the reason to stop arrives, I just want to have a good nest egg to explore the rest of my life.”
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