I'm staggered that you think you would be doing that woman a favour. You're putting her, her family and her home at risk and on $12 an hour of course she may be tempted by your offer.

"Since I need money" - what!, are you playing the stock-market? You just said you had $30K.

Why not make her a gift of a few thousand bucks for Christmas if you feel sorry for her and take your own risks.