Servers bartenders do you declare all your tips? (credit card, average . . . Back then tips averaged 10%, no, I didn't claim every penny However, ten years before I quit, I DID claim "every penny" My reasoning was that I was going to get zip in social security if I didn't It hurt my co-workers though because I was claiming much more than they did and they had "allocated tips" added to their W-2s because of me