<prompt> Human: As a server, we have the responsibility at the end of every shift to document the amount of tips that we earned. In every serving job that I have ever had, every server says that they claim less than they actually made. The reasoning behind this is because of tax purposes, and they will have less money taken out, leaving them with more. About 6 months ago I ran into the issue of being denied a small loan of 25,000 to purchase a new vehicle, on the grounds that the bank did not trust I made enough money to pay it off timely. This turned out to be a good thing for me, but my question is ultimately, should I be claiming 100 of the tips I earn? What are the downsides of not doing so that I am not aware of?  <response>: Legally speaking - Yes - You should be claiming 100 ..Reality speaking - I dont know anyone who ever has. 