As young millennial women, we don't talk about money enough - how we use it, how we earn it, how we feel about it, and everything else in between. Money Talks is an xoNecole series where we talk candidly (and anonymously) to real women about how they spend money, their relationship with money, and how they get it.
In this installment of Money Talks, xoNecole chats with Simone Faulker*, a 25-year-old graduate student who had her credit card debt paid off by a sugar daddy who also sends her to Bergdorfs and pays for her facials. Here's what she had to say.
Interview has been condensed and edited for clarity. Names have been changed to protect identity.
Did you always want a sugar daddy, or did you meet this man out of the blue?
I met him out of the blue, definitely. One night I was out at the bar with my friends, and Tim* came over and introduced himself. Of course, I wasn't paying him any mind because I could immediately tell he was older, but he was extremely persistent in a grown man way. I gave him my number and he called me the next day, and we started going out on dates.
Were you judged by family and friends when they found out you were dating an older man?
People definitely side-eyed me when he and I first started going places. My friends were surprised that I was still talking to him, which is understandable because he and I are twenty years apart. He and I didn't care though because we both wanted something out of this and we were both fulfilled.
What were the things you and he wanted?
Well, Tim works in finance and has worked in the industry for a long time. He made it known to me, almost immediately, that he had money and he wanted to financially take care of me. Of course, he also 'wins' because he gets a pretty girl on his arm when he has to attend galas and fancy meetings and whatever else he has to go to. We love to sit and talk to each other, so it's not like we can't stand one another.
Did it ever bother you being financially dependent on a man? There are still money taboos around women when it comes to money.
I was uncomfortable at first and would tell him he didn't need to buy me this or that. But if we were in a department store and he saw me looking at something, he would come back and get it later if I didn't agree that I wanted it then. Money is not the most important thing in the world, but I definitely learned how liberating life could be when you don't have to worry about bills and you can have a lot of the things you want. Sometimes he would just give me money, which I would use for things like my tuition money, books, and my hair or nails.
"Money is not the most important thing in the world, but I definitely learned how liberating life could be when you don't have to worry about bills and you can have a lot of the things you want."
Are there any parameters you have to abide by?
Not really. Obviously there's an emphasis on my looks, like making sure my hair or my nails always look nice. I get facials once a month and have a membership at Equinox so I can stay in shape. He usually doesn't like for me to wear the same thing at events, so he will usually schedule for me to go somewhere like Barneys or Saks to get a dress and any alterations. I get asked by my friends a lot if I am obligated to have sex with him, and that's never been something he has pushed on to me or forced me to do in exchange for money.
There are other women he talks to and possibly wines and dines, but that has never been a breaking point for us and something that directly impacts our relationship.
But do you guys have sex?
Yes.
What's been the largest financial act he's done for you?
The largest single moment was when he paid off my credit card debt. It was about $15,000, and had mostly happened from a lack of knowledge on using a credit card while in college. One day he came home and said that he had paid it off. Of course, he pays for other things that can get pretty close to that number, but that's the biggest one that comes to mind immediately.
If you don't mind me asking, what else does he pay for?
He pays my rent, gives me money for food, my hair, my nails, and sometimes a clothing allowance. I pay for graduate school myself because investing in my own education is very important. I use that for important events or situations that I need something to wear. I wish people, not just women, would stop looking down on situations like mine because they don't know everything on the backend. People may see me as small or dependent on him for finances, but I know how to take care of myself. I'm in important rooms with important people and I get to learn and network. I get to focus on the things that matter to me while also having fun.
If that's not liberating, or at least reclaiming power in my own way, then I don't know what is.
"If that's not liberating, or at least reclaiming power in my own way, then I don't know what is."
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Reset Your Relationship: How To Start 2025 Strong With Your Partner
As the calendar turns and a new year unfolds, many of us are laser-focused on our career goals, fitness resolutions, and vision boards that outline the journey to our best selves. But amidst all the planning and self-improvement, have you made room for another important part of your life? Your relationship.
It's easy for couples to fall into a routine, going through the motions and letting their connection sit on autopilot. While comfort is natural in a long-term relationship, it’s important to remember: that what you don’t nurture, eventually fades. So, why not make 2025 the year you reset your relationship? Here’s how to start the year with a renewed bond, reigniting the spark that brought you together.
Step 1: Schedule Your Reset Meeting
The first step to hitting the reset button is a State of the Union meeting with your partner. This is your chance to take a pulse on the relationship, discuss what's working, and identify areas that need attention. It’s all about creating space to reflect, without distractions.
Grab a pen and paper (or open a shared note on your phone) and come prepared to share your top 2-3 desires for your relationship.
What do you both want to feel more of in 2025? Maybe it’s feeling more appreciated, or perhaps you want to reignite the passion you had when you first started dating. Whatever it is, get clear about it, and make sure both of you are on the same page.
This isn’t just about listing your own wants, it’s also about discussing ways to nurture each other’s needs. Relationship goals should be focused on fostering deeper intimacy, trust, and mutual respect. Use this time to check in, not only with each other but with your individual feelings and expectations. Set the foundation for a fulfilling year ahead.
Step 2: Set A Date (Or Multiple!)
Having the meeting is only the first step. Now, it’s time to take action. One of the simplest ways to breathe new life into a relationship is by reintroducing consistent, intentional time spent together. For many couples, life gets busy, and date nights fall by the wayside. But dating doesn’t stop when you say "I do"—in fact, it’s even more essential.
During your reset meeting, lock in a regular date night that works for both of your schedules. This could be a weekly dinner date or an every-other-week adventure—whatever keeps things fresh. The goal is consistency. It’s easy to push date nights aside when life gets hectic, but if you set a specific date each week or month, you’re making your relationship a priority.
If you’re unsure what to do for your date nights, don’t worry! The key is creating new experiences together. This is what sparks excitement and brings you closer as a couple. Whether it’s cooking a new recipe together, trying a dance class, or exploring a nearby town, it’s about creating shared memories that build your connection.
Step 3: Find an Accountability Partner
Just like you might have a personal trainer to help you crush your fitness goals, an accountability partner for your relationship can do wonders for keeping both of you on track. Consider hiring a marriage coach or therapist—someone who can meet you where you are and guide you in strengthening your relationship.
When selecting a professional, it’s important to choose someone who truly wants the best for your marriage and can provide actionable advice.
Don’t be afraid to set high standards for your relationship, and seek guidance on how to keep it thriving for the long haul. In your reset meeting, discuss your commitment to growth, and be honest about areas where you may need support.
Marriage isn’t a set-it-and-forget-it endeavor—it’s an ongoing process. Regular check-ins with a professional can help keep your relationship in tip-top shape and “divorce-proof” by addressing issues before they become insurmountable.
Step 4: Try Something New Together
Stale routines can easily make a relationship feel monotonous. Spice things up by trying something new! Couples that explore new activities and create new memories together have stronger, more fulfilling bonds.
My husband and I host one of the top luxury marriage retreats, A Weekend For Love, designed to help couples experience new things together. From couples' workshops to outdoor adventures, the retreat provides a platform to rediscover each other and reconnect on a deeper level.
The element of surprise can reignite your connection. It’s exciting, fresh, and shows your partner that you’re committed to growing together. This doesn’t have to be a huge commitment—it could be as simple as trying a new hobby or planning an impromptu weekend getaway.
Your Relationship Should Be A Priority
As you start the year with personal goals in mind, don’t forget the importance of nurturing your relationship. It’s easy to get caught up in work, fitness, and family obligations, but your bond with your partner deserves to be at the top of your list. Resetting your relationship offers an opportunity to reignite that spark and remind each other why you fell in love in the first place.
In 2025, make a commitment to prioritize your partnership, to nurture it daily, and to invest in its growth. Take time to celebrate each other’s victories, support one another’s dreams, and build a foundation of love and respect. When you start the year with a clear focus on your relationship, you’re setting it up for success.
So, before you start mapping out your new workout plan or work goals, do yourself a favor: put your relationship at the top of that list. Your love story deserves a fresh start, too.
Happy New Year, and here’s to a love-filled 2025!
Couples, if you are ready to do the work and invest in your relationship register for A Weekend For Love: Heart Retreat Feb 21-23, 2025.
Featured image by zamrznutitonovi/Getty Images
The Essential 3-Step Skincare Routine Every Woman Over 30 Needs
At the tender age of 29, I discovered the world of skincare after complaining to a coworker about excessively oily skin. Her list of suggested products? A cleanser, toner, serum, and moisturizer in that exact order. It was that simple. Easy enough, I began using her recommendations, and my life was completely changed forever.
Now that I'm in my 30s and diving deeper into my love of beauty, I've begun to question the simplicity of my everyday regimen wondering if there's more to maintaining beautiful, healthy, and youthful-looking skin.
We all know Black doesn't crack but when reading up on beauty trends, many online experts suggest that every woman over 30 needs specific products to fight against fine lines and wrinkles. To maintain perfectly smooth glowing skin after a certain age, if it's not eye cream, then it's a specific product or procedure that could cost more than what I'm willing to pay for anti-aging effects. I decided to get the real tea on the skincare needs of Black women over 30.
I spoke with beauty expert Eden Gilliam, an esthetician with 11 years of experience in the beauty industry and founder of EVE MILAN, a Black woman-owned skincare company based in New York City.
Courtesy of Eve Milan
"I like to stay away from adding a bunch of extra products into a person's skincare routine that they're not going to commit to. Too many steps ultimately lead to becoming so frustrated that you're not going to do much of anything." Eden states.
"For example, the area around your eyes is more delicate of course, it's the thinnest skin you have so it may need more attention as you age. However, if you have a nice hydrating serum like hyaluronic acid that's already in your daily routine, then you can definitely get away with using that on your under-eye skin. For people that like to keep it natural, using shea butter also keeps that area hydrated." Her point? "Keep your routine simple."
After working hands-on with clients, Eden identified common skincare struggles which led her to create a line of products designed to restore confidence and a healthy glow no matter one's age. She explains, "There isn't anything that a three-step system can't solve." With age comes responsibility and a quick morning and nighttime routine are extremely effective when balancing healthy skin and busy life. "It should only take 10 minutes of your time, knowing exactly what you're doing and feeling confident in your routine."
The Simplicity Set: 3-Step System
"When it comes to the products we offer, like our best-selling 'Simplicity Set,' it's a hydrating cleanser, gentle exfoliant in the form of pads and a serum."
1. Gentle Cleansing Gel No. 103
Courtesy of Eve Milan
Every routine starts off with a cleanser. Eden suggests tackling your skincare basics with a nourishing cleanser that balances oil production while delivering a deep clean.
2. Superfruit Enzyme Exfoliating Pads
Courtesy of Eve Milan
Recently introduced to the process of exfoliation, when speaking with Eden I learned how instrumental this process is for aging skin. "Exfoliating as you get older is going to be the foundation of any skincare routine. You have to exfoliate. As we age, our skin turnover rate starts to slow down and it's not renewing itself as fast as it used to. That's how you get clogged pores, fine lines, and wrinkles, even dry skin. When exfoliating, that allows the remaining products you apply to be more effective."
When asked what's the difference between an exfoliant and a toner, Eden explains, "A toner completes the cleaning process which is why it's used after a cleanser but exfoliants dissolve the glue that holds your skin cells intact. You want these skin cells to regenerate like they used to."
"A chemical exfoliant, which I believe every Black woman should be using, not a scrub (physical exfoliant), penetrates into the skin and keeps working throughout the day. It also increases your skin turnover and helps with appearing how it was in your teens and 20s."
Another tip when using the enzyme exfoliating pads, you can use [them] on your face, neck, chest, anywhere on your body, even your bikini area when suffering from ingrown hairs. Take care of all areas and achieve a head-to-toe glow by getting the most out of your products. Don't neglect the rest of your body by focusing solely on your face while other areas suffer from dry, cracked skin.
3. Reset Serum No. 422
Courtesy of Eve Milan
To complete the 3-step system, Eve Milan's Reset Serum is the perfect universal hydrating formula created for skin types. Doubling as a moisturizer, this is the final step to securing fresh and rejuvenated skin. Eden shares, "If you are going to invest money in anything skincare-wise, you'll want a serum." For a hydrating, vitamin-rich product, the Reset Serum soaks into the skin with healing ingredients like Gotu kola, niacinamide, and ceramides which provide you with anti-aging benefits. Whether oily or dry skin, this hydrating serum is for everyone.
"Asking whether a hydrating serum is for dry skin only is like asking if a person needs water. Your skin needs water, not oil. One of the main things that African-American women deal with is post-inflammatory hyperpigmentation which is brown spots resulting in the lack of hydration. No matter your skin type, you need products that add water to the skin and keep it in there."
Aside from the 3-step process, Eden also shares the importance of good health and probiotics when it comes to healthy skin. She adds, "One thing I tell my clients, we need to take vitamins. Skincare is what you are eating and the vitamins you are taking. Ask yourself what you are eating and drinking. Like caffeine, is it helping you or causing more problems?"
Without the use of harsh chemicals, Eve Milan's mission is to get customers to feel comfortable in their own skin. All the products are made free of sulfates, parabens, phthalates, artificial color, and fragrance to limit your exposure to toxins.
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Featured image by Getty Images
Originally published on October 30, 2021