Stepdaughter fantasy

How do I f*** my ex 19 yr old stepdaughter? She's so f****** beautiful and has me masturbating to super imposed pics of her that I made. I know she is broke right now with 1 kid and no husband and is always asking me for money. How do I get that p**** wet for me without seeming like a creep? I have had this fantasy since she was 16. I know she is not a hoe but she will f*** for help even tho she would never admit it.