My wife is the shy type but every once in a while she let's me take some sweet pics of her hot body. And just to add to the fun, she is a school teacher. Where were all the hot teachers when I went to school?
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The MILFs are single, married but looking, or in open relationships and most have busy lives being moms and working. So discretion is preferred and they are usually quick to act without much in the way of gamesmanship.