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?
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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Unapologetically, Chlöe: The R&B Star On Finding Love, Self-Acceptance & Boldly Using Her Voice
On set inside of a mid-city Los Angeles studio, it’s all eyes on Chlöe. She slightly shifts her body against a dark backdrop amidst camera clicks and whirs, giving a seductive pout here, and piercing eye contact there. Her chocolate locs are adorned with a few jewels that she requested to spice up the look, and on her shoulders rests a jeweled piece that she asked to be turned around to better showcase her neck (“I feel a bit old,” she said of the original direction). Her shapely figure is tucked into a strapless bodysuit with a deep v-neck that complements her décolletage.
Though subtle, her quiet wardrobe directives give the air of a woman who’s been here before, and certainly knows what she’s doing. At 24 years young, she’s a “Bossy” chick in training— one who’s politely unapologetic and learning the power of her own voice.
“I'm hesitant sometimes to truly speak my mind and speak up for myself and what I believe,” she later confessed to me a couple of weeks after the photoshoot. “It's always scary for me, but now I'm realizing that I have to, in order to gain respect as a Black woman— a young Black woman— who's still navigating who she is. And you know, I'm realizing that closed mouths don't get fed. And if I keep my mouth shut just because I'm afraid of what people's opinions of me will be or turn into, then that's not any way to live.”
For Chlöe, the journey into womanhood is about embracing who she is, without succumbing to the perceptions of what others think of her. From the waist up she’s everything you’d imagine. A gorgeous goddess with the kind of sex appeal that some work hard to embrace but fail to exude. But unbeknownst to anyone not on set, her bottom half is covered by a white robe, surprising coming from the girl who boasts “'Cause my booty so big, Lord, have mercy” on her first hit single “Have Mercy.”
But that’s the beauty of Chlöe. There’s more to her than meets the eye. More than what a few sensual photos sprinkled throughout an Instagram feed could ever tell you. Just like the photo-framing illusion of her portrayed from the waist up, what we know about the songstress is just the tip of the iceberg. There’s so much more beneath the surface.
Some hours later Chlöe leans back in a high chair as her locs are transformed from a formal updo to a seemingly Basquiat-inspired one. It’s pure art, and at her request, no wigs are a part of the day’s ensemble. She’s fully embracing her natural hair, a decision that wasn’t always a socially accepted one.
In the suburbs of Atlanta, Georgia, (Mableton, to be exact) Chlöe began to explore the foundation of her self-image. At an early age she and her younger sister, Halle, demonstrated a vocal prowess and knack for being in front of the camera that caught their parents’ attention. Soon after, they were sent on a parade of local talent shows and auditions, and eventually broke into the digital space with song covers on YouTube.
It was during these early years that Chlöe first learned that the entertainment industry could be unforgiving to those who didn’t fit a particular beauty standard. Despite the then three-year-old snagging a role as the younger version of Beyoncé’s character, Lilly, in Fighting Temptations, casting agents requested that her natural locs be exchanged for more Eurocentric tresses. Ironic, considering that growing up Chlöe saw her hair as no different than that of her peers. “I remember specifically in pre-K we had to do self-portraits and I drew myself with a regular straight ponytail, like how I would put my locs in a ponytail,” she says. “I just never saw myself any different.”
Chlöe would also learn the true meaning of a phrase that would later become an affirmation posted on her bedroom mirror: “Don’t Let the World Dim Your Light.” After attempting to wear wigs to fit in, the Bailey sisters instead chose to rock their locs with pride, which undoubtedly cost them casting roles. Yet they would have the last laugh when making headlines as the “Teen Dreadlocked Duo” who landed a million-dollar contract with Parkwood Entertainment, and the coveted opportunity to be groomed under the tutelage of a world-renowned superstar.
Credit: Derek Blanks
While that could be the end of a beautiful fairytale of self-empowerment, the reality is that it’s just the beginning of the story of her evolution. For most girls, the transition into womanhood takes place in the comfort of their own worlds, often limited to the number of people they allow to have access to them. But for Chlöe, it’s happening in front of millions of critiquing eyes just waiting for an opportunity to either uplift or dissect her through unwarranted commentary.
Many in her position wouldn’t be able to take that kind of pressure. But Chlöe is handling it with grace. “I feel like all of us as humans, we have the right to interpret things how we want,” she says. “I put art out into the world and it's up for interpretation. I'm learning that not everyone is going to always like me and that it's okay.”
Chlöe isn’t the first artist to receive criticism for her carnal content, and she certainly won’t be the last. In 2010, Ciara writhed and rode her way to banishment on BET when the then 24-year-old released her video for “Ride.” In 2006, 25-year-old Beyoncé received backlash for “Déjà Vu."
"I put art out into the world and it's up for interpretation. I'm learning that not everyone is going to always like me and that it's okay.”
So much so that over 5,000 fans signed an online petition demanding that her label re-shoot the video because it was “too sexual.” Even 27-year-old Janet didn’t escape critical headlines when she shed her image of innocence for a more risqué appearance with the 1993 release of janet.
It’s almost as if public reproach is a rite of passage for young Black women R&B singers on the road to stardom. Good girls seemingly “go bad” whenever they embrace the depths of their femininity, and fans only like you on top figuratively. But Chlöe has learned not to bow down to other people’s opinions, but to boss up and control the narrative. As the saying goes, well-behaved women seldom make history. If sex appeal is her weapon, she wields it well.
On set, Chlöe exudes the energy of Aphrodite in an apple red, off-shoulder dress with a sexy high split. In between shots, she mouths the lyrics to Yebba’s “Boomerang” as it echoes throughout the space in steady repetition at my recommendation. The hour grows late, yet Chlöe is heating things up as eyes stare in deep mesmerization of the girl on fire.
Credit: Derek Blanks
Through music, she explores the depths of her being, a journey that seems to be, at its foundation, rooted in self-discovery. Whereas their debut album The Kids Are Alright (2018) boasts a young Chloe x Halle empowering their generation to embrace who they are while finding their place in the world, their second album Ungodly Hour (2020) shows the Bailey sisters shedding the veil of innocence for a more unapologetic bravado.
What fans looked forward to seeing is who Chlöe shows herself to be on her debut solo album In Pieces. In an interview with PEOPLE, she confesses that releasing her first project without her sister was “scary.” "It was a moment of self-doubt where I was like, 'Can I do this without my sister?’”
Chlöe has never been shy about sharing her insecurities or her vulnerabilities, all of which are laced throughout the 14-track album. “I want people to have fun when they listen to it and to just realize that they're not alone and it's okay to be vulnerable and raw and open because none of us are perfect; we're all far from it. And I think it's healing when we all admit to that instead of putting up a facade.”
The gift of time has given the self-professed “big lover girl” more encounters with romance and heartbreak. Love songs once sung for their beautiful riffs and melodies become more than just abstract lyrics and are replaced by real-life experiences, which she tells me is definitely in the music.
In her single “Pray It Away,” for example, she contemplates going to God for healing instead of going at her ex-lover for revenge for his infidelities. “With anything dealing with art, I am completely vulnerable,” she says. “I'm completely myself, I'm completely open and transparent. So it's pretty much all of me and who I am right now.”
Has Chlöe been in love? That still remains to be said. Of course, she’s been linked to a few potential baes, but dating in the digital age isn’t as easy as a double tap or drop of a heart-eyes emoji. It requires a level of trust and vulnerability that’s hard to earn, and easy to mishandle. To let her guard down means to potentially set herself up for disappointment. “It’s difficult dating right now, honestly, because you really have to kind of keep your guard up and pay attention to who's really there for you. And you know, I'm such an affectionate person and I love hard.
"So when I meet the one person that I really, really am into, it's hard for me to see any others and I get attached pretty easily. And you know, I don't know, it's…it's a scary thing.”
Credit: Derek Blanks
“With anything dealing with art, I am completely vulnerable. I'm completely myself, I'm completely open and transparent. So it's pretty much all of me and who I am right now.”
While broken hearts yield good music (queue Adele), what’s in Chlöe’s prayer is the desire to be happy. What does that look like? Well, she’s still figuring that out herself. “Honestly, I'm the type of person who I don't truly learn unless I experience it. So it's like I can view and watch my parents and watch the loving relationships that I see in my life and be like, ‘Oh, I want that. I would love to have that.’ But then I also have to experience [love] on my own and see what my flaws or my faults might be or see what my good things about myself are. I feel like it's really all about self-reflection. And even though our base is our family and that's our foundation, we are still our own individuals and we have to find out specifically the things about ourselves that may be different from what we saw from our parents when we were growing up.”
Her ideal beau, she tells me, is someone she can feel safe to be her fun, goofy self with, but who also gives her the space to be the boss chick chasing her dreams. A man who understands that just because the world compliments her doesn’t mean she doesn’t want to hear those words from his lips or feel it in his touch. A bonus if he shows up on set after a long hard day of work with vegan cinnamon rolls. You know, the basic necessities. “I like whoever I'm with to constantly tell me they love me and that I look beautiful because I do the same. I am a very mushy person, and if I see something or you look good, I will never shy away from saying it out loud. And I want whoever I'm with to do the same, be very vocal. Tell me that you love me. Tell me what you love about me because I'm doing the same for you because that's just the person I am.”
Until she meets her match she’s married to the game, and for now, that seems to be perfect matrimony.
Credit: Derek Blanks
On stage at the 2021 American Music Awards, Chlöe solidified her position as a force to be reckoned with. It was a full-circle moment. In 2012, bright-eyed and baby-faced Chloe and Halle would walk onto the set of The Ellen Degeneres Show and blow the audience away as they bellowed out their future mentor’s song. Ellen would present the sisters with tickets to attend the AMAs, assuring them that they would be back and had a promising future. Nine years later, Chlöe descends from the sky cloaked in a snow-white cape and matching midriff-baring bodysuit for her debut performance. It’s the first time she’s graced the stage of the very award show that she was once an audience member of.
As she shakes and shimmies and boom kack kacks out her eight counts, it’s clear that she’s in her element. Just like her VMA performance a couple of months prior, and the many more stages she’ll continue to grace, she brings an energy that has earned her comparisons to the beloved Queen Bey herself. An honorable statement, considering few R&B songstresses are getting accolades for their entertainment capabilities. It’s on these very stages, in front of hundreds of astonished eyes and millions more glued to their televisions at home, that she tells me she feels most sexy. Powerful, even.
But off stage, it’s a different story.
It’s more than just the commentary about her image and media-flamed rumors that get to her. Mentally, she’s in competition with herself. The desire to be the best burns at the back of her mind with every performance, every production, and every time she steps into the booth. Before, she could share the weight of this burden with her sister. Being a part of a duo meant she could turn to Halle for quiet confirmation and encouragement without a word being exchanged. But lately stepping on the stage means stepping out on her own. And despite being a breathtaking, five-time Grammy-nominated star, Chlöe doesn’t escape the reality that sometimes we can be our own worst critics.
Over the last year, she’s been coming to terms with who she is on her own while overcoming the fear of failing to become who she’s destined to be. While the world waits to see how Chlöe wins, the real triumph is in every day that she chooses herself and continues to walk in her purpose. “I don't really have anything all figured out, honestly. But what I try to do, a lot of prayer. I talk to God more and I just try to do things that calm my mind down and just breathe.”
To whom much is given, much will be required. She’s been chosen to walk this path for a reason. Once she fully embraces that everything she’s meant to be is already inside of her, she’ll be an unstoppable force. “My grandma, Elizabeth, she just passed away and my middle name is her [first] name. So I feel like I truly have a responsibility to live up to her legacy that she's left on this earth. I hope I can do that.”
There’s no doubt that she will. With a role in The Fighting Temptations at three years old, a million-dollar record deal, a main role on five seasons of Grown-ish, five Grammy nominations, a number one solo record in Urban and Rhythmic Radio, a debut solo album, and starring roles in recently released movies Praise Thisand Swarm (just to name a few), Chlöe’s certainly already made her mark, and she’s just getting started.
Photographer & Creative Director: Derek Blanks
Executive Producer: Necole Kane
Co-Executive Producer: EJ Jamele
Producer: Erica Turnbull
Digitech: Chris Keller
DP: Alex Nikishin
Gaffer: Simeon Mihaylov
Photo Assistant: Chris Paschal
2nd Photo Assistant: Tyler Umprey
Features Editor: Kiah McBride
Special Projects: Tyeal Howell
Hair: Malcolm Marquez
Makeup: Yolonda Frederick
Fashion Styling: Ashley Sean Thomas
For More: Cover Story: Issa Rae Comes Full Circle
How To Make The Viral Cucumber Sweet Pepper Salad At Home
You have to admit that the creations that come out of the culinary institute of TikTok just know how to hit your taste buds the right way. And the latest delicacy to come out of the digital kitchen is a crunchy, savory salad that only takes five ingredients to achieve.
The viral salad recipe comes from the mind of season 25 The Bachelor winner, Rachael Kirkconnell, who might have singlehandedly changed my relationship with cucumbers moving forward.
i thought the salad @rachael_kirkconnell made looked so yummy so i tried it and it was delicious!!! 😊🧡 i can’t stitch her video. #fyp #salad #saladrecipe #healthyeating #recipes #recipesoftiktok #recipe #saladsoftiktok #vegetable #food #foodtok
To create the viral cucumber sweet pepper salad, here's what you need:
- Persian Cucumbers
- Mini Sweet Peppers
- Makoto Miso Ginger Dressing
- Everything But the Bagel Seasoning
- Chili Crunch
To recreate the salad on your own, start by chopping baby cucumbers into small pieces, along with sweet peppers diced into thin rounds. Now, it’s time to add some tanginess. Take your medley of veggies and mix in a splash of Makoto Ginger Dressing (to taste), add a healthy spoonful of Fly by Jin Sichuan Chili Crisp sauce, and complete with sprinkles of Trader Joe’s Everything But The Bagel Sesame Seasoning Blend. Toss and enjoy!
The combination is sure to leave your taste buds dancing in delight, or as Rachael puts it, “I will literally drink the juice.”
Who knew something so simple and veggie-forward could deliver a punch that’d have you wanting more? You get the sweet, savory, crunchy, and crispness all in one. And did we mention it’s healthy?
Viral Cucumber Salad @rachael_kirkconnell 🥒 #cucumbersalad #cucumber #sweetpeppers #cucumberpeppersalad #viralsalad #healthyfood #healthyrecipes #plantbasedrecipes #plantbased #plantbasedfeta #veganfeta #chillionionchrunch #traderjoesmusthaves #traderjoesrecipe
Cucumbers are as refreshing as they are nutritious, offering a number of health benefits. These veggies are a good source of vitamin C, vitamin K, and potassium, as well as other nutrients like magnesium and fiber. They’re also anti-inflammatory and contain antioxidants that help reduce inflammation in the body.
With sweet peppers, you get a low-calorie vegetable that makes a great choice for weight management. They are also high in fiber, which can help to keep you feeling full and satisfied.
Not to mention, the salad stands out for its versatility. Put it over rice, eat it alone, or pair it with salmon for the perfect, fulfilling dinnertime staple. As the warmer months roll in, there’s no better time than to find a snack that cools you down and satisfies your cravings.
Consider yourself influenced.
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Featured image by RuslanDashinsky/Getty Images