Milk Money

Movie review by
Barbara Shulgasser-Parker, Common Sense Media
Milk Money Movie Poster Image
Frank '90s comedy about boys befriending a prostitute.
  • PG-13
  • 1994
  • 110 minutes

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Kids say

age 15+
Based on 1 review

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A lot or a little?

The parents' guide to what's in this movie.

Positive Messages

A double standard condemns women who are paid to have sex but allows the men who pay for the sex to be viewed as upstanding members of the community.

Positive Role Models & Representations

Frank has grown up without a mother and is extremely competent, resourceful, and responsible. He cooks dinner, does laundry, and plunges clogged drains. He tells lies to evade getting into trouble. He and his friends want to see a woman naked and raise $100 to facilitate this goal. V is generous and helpful and often unselfish. Frank's dad is able to overcome his prejudices and see who V really is. Frank and V lie about how she makes a living.


A thug pulls a gun on the boys and tries to take their money but is thwarted. A pimp speaks harshly to his prostitutes and pushes them around. A killer in a car chases the boys who dangerously drive a car through town. The car eventually explodes, but no one is injured. A pimp betrays his partner, and his heart is cut out of his chest in retaliation.  


Three 12-year-old boys leave the suburbs and head for the city on a quest to pay a woman to let them see her naked. They encounter a kind prostitute named V who obliges them. First she asks the boys to raise their shirts so she can examine them. "You're not hairy enough to be dangerous," she observes. A 12-year-old explains that diaphragms "prevent the passage of sperm into the uterus." A father tells his son that it is probably not advisable to have a baby with someone you don't know. The boy asks a prostitute, his new friend, if it's true that you can touch women in a certain place and it drives them crazy. She says, "I wouldn't count on it." The boy asks, if you kiss a girl, what base is that? Another comments, "If I had my own naked lady, I'd never leave my room." The boys watch a few minutes of a pornographic movie but can't figure out what’s going on. A prostitute wears a tight, short, low-cut dress, exposing plenty of décolletage.


"S--t," "snot," "boobs," "fart," "friggin'," "bitch," "a--hole," "shut up," and "tart."

Drinking, Drugs & Smoking

Adults smoke cigarettes. At one point the three boys have cigarettes in their mouths but no matches.

What parents need to know

Parents need to know that Milk Money is a 1994 comedy about the sexual curiosity of three 12-year-old boys who pay a prostitute to let them see her naked and its unintended consequences. The most serious is that one boy's widowed father falls in love with the kind-hearted prostitute the boys bring home to suburbia. Later, when the son draws ovaries and fallopian tubes on her shirt for a sexual reproduction presentation to his science class, the teacher is not amused. The boys are held up by a gunman but saved by the caring prostitute. A pimp manhandles and threatens his employees. He betrays his partner, and his heart is cut out of his chest in retaliation. No sex acts or private parts are seen but misunderstandings and outright lies lead to many conversations filled with sexual innuendo. There is discussion about diaphragms, snot, and farts. A boy laments that his mother died in childbirth. Expect to hear "s--t," "bitch," "boobs," "a--hole," and "tart."  

User Reviews

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Teen, 17 years old Written byVabien September 6, 2020

One disgusting scene, but safe to watch with mature children

Let's get this off the bat, the prostitute showing kids her boobs? Kinda messed up. If it was flipped in gender, believe me that scene would get a much dif... Continue reading

What's the story?

In MILK MONEY, 12-year-olds Frank, Brad, and Kevin are intent on seeing a naked woman. Brad says such a thing can be had for $100 in "the City." So they jump on their bikes, leaving the suburbs and a trail of lies behind, and find themselves on an urban sidewalk wondering how you can tell a prostitute from all other women. Offering a bag containing $100 in change to various shocked ladies, they attract the interest of a thug who scams them into a dark garage, pulls a gun, and nearly gets their cash. They are saved when V (Melanie Griffith), a prostitute partying with an older gentleman in his limo, saves the boys. The client, not wanting to get involved, dumps her without paying, and she's terrified her pimp will knock her around for showing up with no money. Thus begins a beautiful friendship between Frank and V. The boys give their money to V for a peek (but Frank is too gentlemanly to look). She borrows her pimp's car and drives them home, where she falls for suburban privilege and Frank's sweet, nature-loving dad (Ed Harris).

Is it any good?

Milk Money is almost entirely about sex and the reputation of prostitutes vs. the reputation of johns, but it's also about love, family, virtue, and commitment. That's no easy accomplishment, but director Richard Benjamin and writer John Mattson achieved it with humor and intelligence and, perhaps, a nod to an earlier film about a call girl who makes good, Pretty Woman. Here the filmmakers start with a cloying cliché and elevate it into something more thought-provoking. Yes, suburbia is idealized, and, yes, Melanie Griffith plays V, the hooker with a heart of gold. But she conveys the longing for connection to community and family as well as an appreciation for holding on to what's important, whether it's a last patch of wetlands or a man and his 12-year-old son who share a spirit of generosity. Parents may waver about whether this story will be appropriate for kids as it will almost certainly spark frank discussions about a sexual marketplace that, it can be argued, relies in some sense on trapping desperate women into a form of servitude.

Talk to your kids about ...

  • Families can talk about how the movie partly idealizes and partly condemns life in the suburbs. What does the movie tell us about V that would lead viewers to believe she might appreciate the family-oriented suburbs?

  • The "hooker with a heart of gold" is a common stereotype in movies. Why do you think that is?

  • What messages does the movie send about women who accept money for sex vs. the men who pay for sex?

Movie details

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