

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."
To submit your story for a chance to be featured in a Money Talks conversation, submit your email address here and you'll be contacted. All conversations will be anonymous and/or names will be changed for privacy.
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'He Said, She Said': Love Stories Put To The Test At A Weekend For Love
At the A Weekend For Love retreat, we sat down with four couples to explore their love stories in a playful but revealing way with #HeSaidSheSaid. From first encounters to life-changing moments, we tested their memories to see if their versions of events aligned—because, as they say, every story has three sides: his, hers, and the truth.
Do these couples remember their love stories the same way? Press play to find out.
Episode 1: Indira & Desmond – Love Across the Miles
They say distance makes the heart grow fonder, but for Indira & Desmond, love made it stronger. Every mile apart deepened their bond, reinforcing the unshakable foundation of their relationship. From their first "I love you" to the moment they knew they had found home in each other, their journey is a beautiful testament to the endurance of true love.
Episode 2: Jay & Tia – A Love Story Straight Out of a Rom-Com
If Hollywood is looking for its next Black love story, they need to take notes from Jay & Tia. Their journey—from an awkward first date to navigating careers, parenthood, and personal growth—proves that love is not just about romance but also resilience. Their story is full of laughter, challenges, and, most importantly, a love that stands the test of time.
Episode 3: Larencia & Mykel – Through the Highs and Lows
A date night with police helicopters overhead? Now that’s a story! Larencia & Mykel have faced unexpected surprises, major life changes, and 14 years of choosing each other every single day. But after all this time, do they actually remember things the same way? Their episode is sure to bring some eye-opening revelations and a lot of laughs.
Episode 4: Soy & Osei – A Love Aligned in Purpose
From a chance meeting at the front door to 15 years of unwavering love, faith, and growth, Soy & Osei prove that when two souls are aligned in love and purpose, nothing can shake their foundation. Their journey is a powerful reminder that true love is built on mutual support, shared values, and a deep connection that only strengthens with time.
Each of these couples has a unique and inspiring story to tell, but do their memories match up? Watch #HeSaidSheSaid to find out!
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Synthetic Braiding Hair & Chemicals: What To Know & What To Do Next
When I was younger, one of my favorite hairstyles was cornrows. I would get them long (as long as mom would allow me to get) with beads on the end. To get the length I wanted, I would add synthetic braiding hair.
Just like many other Black women I know, going to the hair store with my mom or other family members to grab a pack of kanekalon braiding hair was the norm. As I grew up and advanced, so did the hair industry.
Now, when you go to the hair store you are inundated with all kinds of hair textures, colors, and more. That’s why it was so upsetting to read the latest report about synthetic braiding hair.
Delmaine Donson/ Getty Images
A Feb 27 Consumer Reports article revealed that most popular synthetic hair brands that are used for braiding have dangerous chemicals such as carcinogens, lead and volatile organic compounds (VOCs). The report stated that 10 of the brands were tested and all 10 had these chemicals. These brands included Shake-N-Go, Sassy Collection, and Sensationnel.
These chemicals include benzene, which is a carcinogen that has been linked to acute myeloid leukemia and unsafe levels of lead, which can cause kidney damage, brain damage, and cardiovascular problems in adults.
In children, it can cause brain and nervous system damage, learning disabilities, behavioral problems and even developmental delays.
James E. Rogers, PhD, director and head of product safety testing led the testing for synthetic braiding hair. “Our exposure and risk analysis found all nine products could expose a regular user of any of these products to a level of lead that could be concerning over time,” he said.
As shocking as this is, it also brought some clarity around why I’ve had issues with wearing braiding hair as of late.
Not only have I dealt with scalp irritation, I’ve even had breakouts on my back from the hair touching. Since then, I’ve started rinsing the hair with apple cider vinegar, and haven’t had that many issues. However, the report stated that ACV isn’t a “cure-all” and can potentially release harmful chemicals when rinsing the hair.
@javonford16 Replying to @Julianna Rebundle vid: @Javon Ford Beauty #blackhairstyles #braidinghair #blackgirlhairstyles @Consumer Reports
While the report sparked some outrage, chemist Javon Ford has a different view. In a TikTok video, he shared that the report was tested for oral exposure and not dermal exposure.
He showed a screenshot of an email he allegedly sent Consumer Reports questioning their decision to test this way. The email said, “the best model to use, in our view, is the ingestion model for the reasons given in the article.”
“While I understand they went with that model, I don’t agree with it because you’re not intentionally ingesting braids,” Javon said. The chemist also said that the amount of chemicals found in the brands is “conservative” compared to other types of products.
So what does this mean for us braid-wearers? If you still want to wear braids, but have some concerns, you can limit how often you wear them. Another option is wearing non-toxic braiding hair or plant-based hair. The only downside is that it's pricier than synthetic hair.
The Consumer Report also suggested checking for recalls, reading labels carefully, and reporting adverse effects. Hair isn’t regulated by the Food and Drug Administration, so it’s best to do your research when making purchases.
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Feature image by AzmanL/ Getty Images