<prompt> Human: Situation...I make 120k before taxes. My gf was a nanny for 9 hears, had to move on from her last family and went to work at a daycare. Not a great job but completely legal, pays taxes has healthcare. Shes considering a move back to nannying for 6 week old twin girls for about 16hour, completely under the table.1. Is it risky or likely shed ever get into trouble with the IRS for undeclared income etc. Not sure if she ever filed taxes or estimated during those years.2. Would it be better to go through a legal means of paying taxes through an intermediary website that also covers her health insurance? Many families in the area of NJ do the pay half of the nannies health insurance the first year and then fully from then on  <response>: This does not seem like an amazing idea.Not to mention every year she works under the table is a year she isnt getting credit towards social security in her old age, isnt earning eligibility towards social security disability if she becomes disabled, and is putting herself in a weak position wregard to her employers- if they treat her badly, if shes injured on the job, or even if they turn out to be malicious people who want to actively exploit or harm her, her unreported income leaves her vulnerable. It also leaves her vulnerable to anyone else who might want to hurt her, since they could report her at any time.The small savings shed have working under the table on that salary dont make up for the legal and financial risk shes taking by doing so. 