What is the religious ruling on dealing with a girl who works as a "lady of the night" and wishes to repent, but stipulates collecting "sufficient capital" before leaving her work, and how can she be guided when she believes that honorable jobs are not enough to meet her needs and care for her daughters?

You erred by engaging in lengthy conversation with a suspicious woman. The duty is to repent and seek forgiveness, for a man's conversation with a young woman without need is a gateway to evil. Her statement that she wants to repent after accumulating money is corrupt and a deception from Satan. Sincere repentance is initiated promptly, and her current wealth is ill-gotten and must be disposed of. Her poverty and need are not an excuse, for piety is the greatest means of sustenance. She must turn to Allah with repentance and supplication, and seek financial support from those obligated to provide it, or seek employment, or ask for help from charitable people. It is not permissible for you to contact her or meet her; rather, inform charitable people about her situation so they can assist her through women.