How this bikini babe makes $170K a year on Instagram

Thanks to her nearly 8 million followers on Instagram, this curvy bikini babe is making bank.

Abigail Ratchford, 25, has come a long way from her days juggling three jobs as a paralegal, secretary and bartender — and earning less than $600 a week — in her hometown of Scranton, Pa.

“I was thinking that there had to be more to life than this hamster wheel that I was on,” she told The Post.

Now, she makes more than $170,000 a year from product endorsements and merchandise sales, all of it fueled by her social-media account.

It started in 2013 when a friend who was a professional photographer asked Ratchford to model swimsuits for a shoot to build up his portfolio. Bloggers spotted the pics on his Facebook page and started writing about this new girl, which caught the attention of Web sites such as Maxim, Sports Illustrated Swimsuit and Barstool Sports.

Sensing an opportunity to capitalize on her budding Internet celebrity, Ratchford started an Instagram account, which quickly shot up to about 20,000 followers.

“Marlo” top, $98, and bottom, $88, both at JYorkTheLabel.com, High-low mesh skirt, $27.95 at Yandy.comAnnie Wermiel/NY Post

From there, she started reaching out to local photographers, offering her modeling services and online exposure in exchange for shoots. While she wasn’t paid, Ratchford was able to make a steady income selling as many as 100 signed photographs a week to her fans, for about $30 each.

She posted a steady stream of photos — usually of her clad in bikinis, lingerie or sports jerseys to cater to her college-aged fan base — and watched as her Instagram following soared to more than 100,000 in seven months. (Ratchford has since deleted those early photos to keep her Instagram feed fresh.)

Once she’d saved up more than $10,000 from her signed photos and side gigs as a bartender and paralegal, she headed to the West Coast in January 2014. There, she said, “I started to think of other people and follow in their foot steps, and I really looked up to Kate Upton and her viral videos.”

So that summer, she coordinated a video of herself bouncing about in lingerie and uploaded it to Instagram. By this point, TMZ was following her account; once they, along with various men’s blogs, picked up the video, Ratchford’s following went from 300,000 to more than a million in a week.

She signed with a manager and the videographers she worked with began referring her to brands that work with social-media influencers….

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