Z did not plan on becoming a prostitute. At 13, she becomes responsible for her younger sister. At 16 a VERY lucky boyfriend enters the picture. Sister issues arise. At 18, Z gets an offer she didn't refuse. She advertises and soon multiple clients come her way. Most are good people. A few are rich. Several clients are married couples.
Young American couple first time swapping partners in 1990s Holland with a twist. See tags. Rewrite of another writers personal experience in Holland, so she said (with permission). True story.