Fashion or Finance: Why and How the Savvy Sugar Baby Invests

When it comes to the financial rewards of dating a Sugar Daddy, many Sugar Babies are quick to assume that the rewards come in the shape of designer purses, meals out at fancy restaurants, and tickets to the hottest shows in town.

However, did you ever stop to think that maybe the most important reward of all isn’t that Gucci purse – but a healthy savings portfolio or mutual fund? After the knowledge that you have become financially independent is so much more satisfying than another purse and will truly contribute to your wellbeing and happiness.

Sure, it may not necessarily be as sexy as a pair of new Gucci heels, but trust me: when you’re able to live a fabulously wealthy lifestyle without having to rely on the generosity of a Sugar Daddy, you’ll feel the kind of satisfaction that even a closet full of designer heels couldn’t bring you.

I really want to drive this point home. Let’s imagine that your Sugar Daddy gave you $500 to play with. For some Sugar Babies, that money will immediately be spent on a pair of shoes or a designer pursue. Maybe you’d put it towards debt that you owe. But what happens when you put that money into a high-interest savings account or CD? In five years, that $500 becomes so much more.

You could spent that on exotic travel, put it towards getting your graduate degree or even put it towards your retirement. You could even start your own business with that $500, and set up an independent income for the rest of your life. Just $500 could help you achieve your lifelong dreams – and all it takes is a bit of delayed gratification.

That’s where savvy money-saving and investment strategies for Sugar Babies come into play. If you’ve been blessed with a generous Sugar Daddy, don’t just fritter away your new gifts and monies on designer items that will go out of style in just a couple of seasons – instead, invest in yourself.

After all, some Sugar Daddies may come and go, and some Sugar Daddies may last a lifetime – but at the end of the day, the only person looking out for your financial well-being is you. So make sure you stay protected by getting savvy about your financial situation!

• Put money aside that you can designate as your “fun money”. This is the kind of money that you’re allowed to spend whatever you want on. Be it a new pair of shoes or tickets to a Broadway musical; don’t feel bad about spending this money. One important note: make sure that your “fun money” isn’t a huge percentage of what you’re getting from your Sugar Daddy. Ideally, your disposable income should make up about twenty to twenty-five percent of whatever monies your Sugar Daddy gives you.

• Now that the fun money has been determined, it’s time to get savvy with your finances. Visit a financial professional and open up a mutual fund or a high-interest savings account (you can compare interest rates online for the best deal). If you have the patience, invest your money in a CD – your finances will grow with every year, but you won’t be allowed to touch that money for a few years without incurring some hefty tax penalties.

• Finally, ask your Sugar Daddy for some investment advice. After all, he’s a diligent man who managed to make it big in the business world, and that comes with a lot of financial savvy. He may be able to help point you down the path towards better savings, smart investments and other financial decisions that will allow you to build your own wealth.
Remember, designer shoes and purses may last for a few seasons, but smart financial investments – and the independence that they bring – will last forever. It’s never too late to start investing and saving your money. You just have to start. After all, your Sugar Daddy is here now – but he might not always be there in the future.
What money moves are you making to ensure a bright future? Are you investing your money? Do you have trouble with investing the money your Sugar Daddy gives you?

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Taylor B. Jones

I’m a Sugar Baby strategist, profile writer and educator on all things Sugar Daddy dating - attracting him, asking for what you want (or more of it, until you’re building wealth and expanding opportunity).

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