Agency Discussion and Reviews

[Misou]

I did the analysis on this exact scenario. If you have personal investments, better to sell those than a 401 k loan. Think of it as loaning yourself money a different way. (i.e. taking money away from your future). After careful analysis, the 401 k loan is still worse. You are missing future money either way but you want to touch the 401 k last. You repay it with after tax money and that's fine, but still worse than selling your investment that you have. If the market goes up, you'd rather it go up for your 401k. Tax free gains and income taxed in the future at the bracket you choose. If you have any life problem like bankruptcy, lawsuits, or divorce, keeping the 401k is way better.

No matter what happens, you could always reach into your 401k in an emergency.

But don't raid your 401k just to pay for pussy. You are the fucker, do not get fucked yourself.

If you're playing with your 401 k, it's better to roll part of it (play money) into an IRA.

You still get dinged, but not as much.

401 k early widthdraw = 10% tax penalty plus some % fee from who you have your 401 k with.

Where as.

IRA = 10% tax no fee from who manages your IRA (that's what they told me).

And ALL depends on how much you have in your retirement.

[FreeWally]

I would probably favor a loan from a 401 k than a withdrawal. I wouldn't want to miss out that much on compound interest.

Kek.

I did the analysis on this exact scenario. If you have personal investments, better to sell those than a 401 k loan. Think of it as loaning yourself money a different way. (i.e. taking money away from your future). After careful analysis, the 401 k loan is still worse. You are missing future money either way but you want to touch the 401 k last. You repay it with after tax money and that's fine, but still worse than selling your investment that you have. If the market goes up, you'd rather it go up for your 401k. Tax free gains and income taxed in the future at the bracket you choose. If you have any life problem like bankruptcy, lawsuits, or divorce, keeping the 401k is way better.

No matter what happens, you could always reach into your 401k in an emergency.

But don't raid your 401k just to pay for pussy. You are the fucker, do not get fucked yourself.

[FurryMonger122]

Did she still deliver on wet / sloppy BBBJ while being distant and business-like?

Yes she was great at it, I actually think I scared her, I told her how I found her soapload profile and her twitter advertising her work. Now her twitter is private LOL.

[Monthehunt]

Saw yuki last night after waiting like 30 minutes. She remembered me from last year which was cool. Still very hot. I think she got more lip filler?

Anyway, at the end of our session, I noticed some blood. I know there was some discussion earlier about another girl and people had some thoughts on that. Just a friendly heads up.

Damn son. Sad. Looks like I'll have to skip BBFS and DATY with Yuki this year. Thanks for the update.

[Azf06]

That's unfortunate to hear. Some of yall need to check yourselves.

Please play responsibly and treat her well.

Saw yuki last night after waiting like 30 minutes. She remembered me from last year which was cool. Still very hot. I think she got more lip filler?

Anyway, at the end of our session, I noticed some blood. I know there was some discussion earlier about another girl and people had some thoughts on that. Just a friendly heads up.

[Azf06]

I would probably favor a loan from a 401 k than a withdrawal. I wouldn't want to miss out that much on compound interest.

Write a letter citing hardship. Very hardship. You're the hardest you've ever been and need a $25K check.

Kek.

Withdrawals are only allowed after 69.

[Castile]

Saw yuki last night after waiting like 30 minutes. She remembered me from last year which was cool. Still very hot. I think she got more lip filler?

Anyway, at the end of our session, I noticed some blood. I know there was some discussion earlier about another girl and people had some thoughts on that. Just a friendly heads up.

[Bush Baby]

Took a gamble with Mizuki based on her pics for a 30 minute session. It did not pay off. Not the girl in the pics. Much older (30) with a stick body. 4'11 is probably right, and 100 lbs with no hips. Breasts were decent B cups,. Definitely her best feature. Had an untrimmed public area with large lips. Skin had blemishes all over her body. They looked like bruises, but she said they were from an allergic reaction 3 years ago. She was wearing a tube dress that she just pulled down. Not warm or friendly at first. All business. Rushed through the shower, but her hands were working furiously, almost frantically. No preview and she was not allowing me to even feel her breasts in the shower. Once in the room she asked me to lay on my back, even though I was trying to pull her towards me while I sat on the bed. I obliged and she started the routine where kissed chest and worked down for BBBJ. I honestly was losing interest of this tired routine and pulled her up so I could nurse her breasts. But she didn't like it and so she went back down for BBBJ. At this point, I had lost interest and decided I would just finish in her mouth. But right before I started to explode, she pulled her mouth off and I finished in her hand. Very disappointing.

In fairness to her, it was a 30 minute session and she definitely warmed up to me after the round was finished. English was limited, but we were able to talk a little bit about her travels. If I had went in thinking she was a 30 year old, my review may be different. However, the mismatched expectations definitely soured me. No repeat for me.

One other factor: I was the first appointment of the day, and the trash was full of tissues and covers from the previous day. Nasty.

Same Muzuki as the one on the site now?

[DrunkenKid]

Withdrawals are only allowed after 69.

[Monthehunt]

Write a letter citing hardship. Very hardship. You're the hardest you've ever been and need a $25K check.

But this is a last resort. It's not even the 10% penalty, that's nothing. It's paying income tax on withdrawal at your higher bracket. We mongers hate withdrawal, we know it feels better to keep it in until the end. That said, if your employer matched you can think of some of it as free money, on top of all the taxes you didn't pay up til then. But my advice is not to pull out, ever.

Dig up money elsewhere first, avoid the 401K if possible. A 401 k can't be garnished or anything. Perfectly protected from bankruptcy, divorce, lawsuits, the law. When you are out of a job or retired, use it as your atm at a lower tax bracket. Don't need to write a letter or anything. If you have divorced by that point, even better. Nothing touches a 401k until you pull out, you pull out when you need it and then 100% of that money can now go towards pussy. It is an untouchable asset.

I told someone I'd buy a vacation home for them. I still will. But it'll be a little smaller than I originally planned. They won't even know the difference. But the difference is enough for 300 pussies (200 with video). Houses are too damn expensive but no point in complaining. Just think of the average guy with only $1 K in the bank. 300 pussies takes years to go through no matter how thirsty you are. It is actually more exercise than climbing Mount Everest.

Always look on the bright side. Even if things turn and I can't hobby for some reason, I will still be able to watch videos by the fireplace the rest of my retirement. Jgirl videos are like 401k, no one can take them away from you.

I've also started making price comparison to pussy as well. I recently had a large savings amount and compared it to 28 extra pussies I can bang. The mind is an interesting thing.

[FreeWally]

Next stop 401k!

Write a letter citing hardship. Very hardship. You're the hardest you've ever been and need a $25K check.

But this is a last resort. It's not even the 10% penalty, that's nothing. It's paying income tax on withdrawal at your higher bracket. We mongers hate withdrawal, we know it feels better to keep it in until the end. That said, if your employer matched you can think of some of it as free money, on top of all the taxes you didn't pay up til then. But my advice is not to pull out, ever.

Dig up money elsewhere first, avoid the 401K if possible. A 401 k can't be garnished or anything. Perfectly protected from bankruptcy, divorce, lawsuits, the law. When you are out of a job or retired, use it as your atm at a lower tax bracket. Don't need to write a letter or anything. If you have divorced by that point, even better. Nothing touches a 401k until you pull out, you pull out when you need it and then 100% of that money can now go towards pussy. It is an untouchable asset.

I told someone I'd buy a vacation home for them. I still will. But it'll be a little smaller than I originally planned. They won't even know the difference. But the difference is enough for 300 pussies (200 with video). Houses are too damn expensive but no point in complaining. Just think of the average guy with only $1 K in the bank. 300 pussies takes years to go through no matter how thirsty you are. It is actually more exercise than climbing Mount Everest.

Always look on the bright side. Even if things turn and I can't hobby for some reason, I will still be able to watch videos by the fireplace the rest of my retirement. Jgirl videos are like 401k, no one can take them away from you.

[DrunkenKid]

Is the best I've seen in 2024.

I was all over Ava / Sakura last visit. But now every day will be Yuki.

Piggy bank officially cracked.

Next stop 401k!

[HouseBlend]

Leah starting at DMV Girl tomorrow 9/20.

https://www.dmvgirlsva.com/copy-of-model-page-jay

Slender with endless long legs, tempting!

Might TOFFT and dive in first since I seems to missing my window of opportunity with whatever excuse I have to not step outside the house LOL. If anyone beats me to the punch, please let us know.

[Monthehunt]

I saw her, at the beginning she seemed very distance and business like, It seemed like it was just business like demeanor from her and no real connection or friendliness. I got urges to ask for my money back 10 minutes in and who knows how that would have gone LOL. She's cute but wears a lot of makeup and it's kinda crusting on her face which wasn't really a bad thing but was noticeable. Interesting enough she was the one that had an odor, she didn't put deodorant on LOL.

Her body was a 9/10, very hour glass like and a nice plump butt in the back. Wasn't as toned but she was very sexy. I don't think she's actually like 4'10 like someone mentioned, closer to 5'1.

She was cooperative for the most part but there was some back and forth with her not letting me be in charge, but she loosened up. I tried eating her ass but she didn't like it, later I found out she said she was ticklish there and I probably could have ate her ass some more but I stopped since she kept acting like she didn't like it.

Her demeanor changed completely after FS. She was much more nicer and friendly, apparently she said she was a little on edge because of being in a new agency. Maybe that's why she was acting so uptight and strict at the beginning, because when I first came to the door I was waiting outside for like 3 minutes and no one answered the door, which could have looked really suspicious if people noticed. I'm glad her attitude changed towards the end, before I was just some stranger but after FS we were buddies LOL.

Did she still deliver on wet / sloppy BBBJ while being distant and business-like?

[FreeWally]

Please let me know if Asumi or Momo offer video. Kgirls never do. But most j girls do but there are a number who don't or don't allow face. So if they don't show you a menu you have to ask and it's always nice if we pervs know in advance. I've asked before and gotten no. And it's ruined the mood. Usually it's 100 no face 200 face. 100 option isn't worth in my opinion. Yuki is 200 face.

This hobby is a mental game. For the reasons you stated, I don't go expecting video. Even though it's always happened. That reduces disappointment. I have a script in mind if I want to back out (from no face or low light) but never used it. My approach is to break the ice and get to know her during BT and shower. It really improves results.

I even had a girl tell me it's 400 for video, like it would change my mind, but then when I gave her 400 she said she was scared and didn't want to do it. Handed my money back. I fully supported her. I was too excited and asked too soon, which was a factor among others. After getting to know her in shower she changed her mind and we did video. She realized there was nothing to be scared of, she actually enjoyed it since we got along and I never pressured her. I read her body language and worked with her level of comfort. We got a long so well that even though she is officially no face she changed her mind about that too.

I have often repeated video with a girl and the second visit is even more cooperative. So it is a comfort and trust issue. Since I am actively in all videos and make it fun and interesting, there is less worry. These are videos clearly made for myself only. I would not leak myself as a porn star. It would embarrass me more than her.

If a girl is not supportive of the video you want, yes it is disappointing but you have to think positive. There are several solutions I cannot say here, but I can PM you if they would help. I do not believe in writing a guide on this since it is so ymmv and other reasons. In any case, it is a mental game where we have to be prepared for all possibilities. And there are always things we can do to improve a girl's cooperation.