Chapter 1
I was, without a doubt, the poorest sugar baby in the history of Manhattan.
While other kept women draped themselves in Cartier and flew private to St. Barts, my billionaire benefactor, Chase, paid my monthly allowance entirely in supermarket clipping coupons.
Every holiday gift was an assortment of roadside junk: complimentary tissue packets, branded plastic hand fans, and canvas totes from local bank openings.
Over Labor Day weekend, while the rest of the high-end mistresses were yachting around the Mediterranean, Chase’s live-in housekeeper, Mrs. Hobbs, dragged me to a wholesale warehouse club to binge on free samples.
I finally snapped.
Right there beside the frozen-taquito stand, I crushed my tiny paper sampling cup and hurled it into the trash. Pulling out my cracked iPhone, I hammered out a message to Chase:
"Can you manage to be generous for once in your life? Like a normal billionaire?"
"Give me an AmEx black card, or I'm packing my bags."
The very next morning, Mrs. Hobbs smugly slapped a piece of laminated plastic into my palm.
"Mr. Chase says you can use this secondary card whenever you like."
I looked down. It was a visitor parking pass for the apartment complex's underground garage.
I didn't even own a car.
I packed my battered suitcase that night, sneaked out through the service elevator, and immediately joined an exclusive high-roller dating network. A month later, after successfully securing a new arrangement with Big Al—a middle-aged, newly wealthy building materials supplier—Chase suddenly came barreling into my life again.
He pulled up to Al’s grand opening ceremony riding Mrs. Hobbs’s beat-up, lime-green Vespa.
"Abigail!" Chase roared, his bespoke Italian suit jacket fluttering in the exhaust fumes. "I gave you four hundred thousand dollars a month! And you’re two-timing me with "that"?"
I stared at his disheveled, sweat-streaked face and burst into bitter laughter.
"Would you stop pretending, you cheap bastard? Four hundred grand? Buy yourself a helmet first before your last brain cell gives out!"
Frantic, Chase shoved his phone in my face, displaying his bank records.
When my eyes landed on the tiny memo line beneath each wire transfer, the world stopped spinning.
Holy shit.
Someone was skimming off the top.
…
At one in the morning, the group chat reserved for elite kept women lit up like a Christmas tree.
"Ugh, I swear, Brett just bought me the latest Patek Philippe and I absolutely loathe it. Why is the rose gold so heavy? My wrist is practically sprained after an hour!"
"Tell me about it! You won’t believe the utterly thoughtless Labor Day gift I got. A private island off the coast of Maine! The views are gorgeous, sure, but it’s so remote I have to take a helicopter just to get an iced matcha."
The flexing was unrelenting, dripping with manufactured boredom.
Then someone tagged me.
@Abigail:
"If I remember right, you’ve been in the game for over two months now, haven’t you? We never hear you complain about your man. Does he just nail your aesthetic every single time? Don’t be stingy, Abby, show the girls what you’re working with!"
I knew they were just circling like vultures, waiting to pick at my pride. But the ping struck a raw nerve.
I had been doing this for two whole months.
Two months of gathering free plastic fans, dental-office fliers, and scratchy tote bags. Beyond the junk, I hadn’t seen a single cent of an actual allowance.
The next morning, I resolved to confront Chase face-to-face. But by the time I woke up, his side of the penthouse was immaculate; he had already boarded a red-eye to inspect an eco-resort development in Aspen.
Before I could process his absence, Mrs. Hobbs, his pinched-faced housekeeper, rapped hard on my bedroom door.
"Miss Abigail. I’m afraid you haven’t passed your probationary period."
I stared at her, completely bewildered. "Wait… since when does being a kept woman come with a probationary period? Chase never said anything about that."
Mrs. Hobbs looked me up and down, her thin lips puckering in disdain. "You're barely out of college; you clearly don't understand the realities of this market. Even entry-level cleaners have a ninety-day trial. Did you think a position as delicate as this wouldn't require vetting?"
My spine stiffened. "I've done everything asked of me. How did I fail?"
She rolled her eyes and let out a dry, theatrical scoff. "'Chase'? You address him as Mr. Chase. And if you wish to remain under this roof, you must accept our revised compensation structure."
I glanced out the floor-to-ceiling windows of the triplex penthouse. Beyond the glass, the city was cruel and expensive. In my home state, my parents were drowning in catastrophic debt after a bad business venture, with loan sharks threatening to take everything we owned.
I swallowed my bile. "What structure?"
"Grocery store coupon offsets."
I rubbed my temples, sitting bolt upright. "Do I look like an idiot to you? What am I supposed to do with grocery coupons?"
Seeing me reach for my duffel bag, Mrs. Hobbs’s eyes flickered with a brief, nervous panic. She lunged forward, clutching a battered accordion folder stuffed with glossy circulars.
"They have immense value! Look—save three dollars on imported butter, ten dollars off laundry detergent. This is real money! Cold, hard savings!"
Her sharp eyes darted toward my ancient iPhone 8 with its cracked screen. "Look at this manufacturer’s rebate! You can save fifty bucks on a new smartphone!"
When I didn't budge, her tone shifted to an oily, grandmotherly cajoling. "If you don't use them, you can sell them in couponing swap-meets online. That's pure cash. Besides, this isn't permanent. Six months of good behavior, and Mr. Chase will deliver on everything he promised."
God help me, in my sheer financial desperation, I let her talk me into it.
She wasn't entirely lying—you "could" sell coupons online. But after three grueling months of posting in neighborhood forums, I had only managed to offload eight coupons, pocketing a pathetic eighty dollars. It wasn't even enough to cover an emergency dentist visit.
I counted the days on my knuckles, praying for the six-month mark to arrive.
Then, with fifty-eight days left on my countdown, my mother called, her voice shattered by tears.
"Abby… it’s your dad. The collectors came to the house. They beat him so badly he’s in the surgical ICU. They said if we don't have two hundred thousand dollars by Friday, they're… they're going to take your little sister."
Panic seized my chest, choking off my air.
I hung up, swallowed every scrap of pride I possessed, and sent Chase a text begging for a credit card.
That evening, Mrs. Hobbs presented me with a small, stiff piece of plastic.
My jaw dropped.
"A resident parking decal? Mrs. Hobbs, are you out of your mind? I asked Chase—Mr. Chase—for an AmEx card I could use to pay medical bills!"
Mrs. Hobbs didn’t even blink. "Miss Abigail, are you questioning my professional competence? Mr. Chase resides in an ultra-luxury high-rise. Without this decal, overnight parking costs four hundred dollars a month."
A hysterical laugh ripped from my throat. "I ride the subway! I can't afford a bicycle tire, let alone a car to park down there!"
Mrs. Hobbs cleared her throat loudly, cutting me off with regal indifference. "Furthermore, Mr. Chase explicitly stated this pass constitutes taxable fringe benefits. Therefore, your monthly coupon allotment will be reduced by four hundred dollars."
The sheer audacity of it left me numb. Were the ultra-rich really this pathologically stingy? Nickel-and-diming me out of clipping coupons?
My phone buzzed again. It was a photo from my mother showing the hospital bill and Dad hooked to a tangle of beeping monitors.
"Abby, the doctors say his heart is giving out. He needs a ventricular assist device to stay alive. The co-pay alone is sixty thousand dollars. We have nowhere left to turn."
My eyes burned with hot, helpless tears.
Knowing Chase was scheduled to land at JFK that afternoon from Aspen, I dropped the useless parking permit, rented a shared city bike, and pedaled frantically toward Queens, fighting through traffic until my thighs burned.
I spotted him emerging from the private aviation terminal, flanked by assistants.
"Chase! Please, you have to talk to Mrs. Hobbs—"
He stopped, his brow furrowing into a hard, irritated line.
"Abigail? What are you doing here?" He cut me off sharply. "Didn't I tell you to stay at the penthouse? Do you have any idea how many business paparazzi lurk around this terminal? You're exposing us."
"No, you don't understand, my dad is—"
My voice cracked, words tangling into a desperate mess.
Chase didn't listen. He simply pulled his cashmere baseball cap lower over his eyes, sidestepped me as if I were a spilled cup of coffee, and climbed into the waiting black town car.
I tried to run after him, but my phone battery blinked red, and my bank account had exactly sixty-two cents in it. The bike rental app locked my account for an unpaid fee.
Tears streamed unchecked down my cheeks.
I walked. For three agonizing hours, I walked all the way back across the bridge into Manhattan.
By the time I dragged myself to the penthouse doors, blisters weeping on my heels, Mrs. Hobbs was waiting in the foyer, her face like carved granite.
"Miss Abigail. Mr. Chase has arrived."
I was so exhausted my eyelids fluttered. "I know. Let me through."
She planted her sturdy frame directly in the doorway, thrusting two battered garbage bags toward me. "Mr. Chase has decreed that due to your public insubordination, your quarters have been relocated to the basement storage unit. Here are your belongings. Furthermore, your six-month evaluation period has been indefinitely extended."
I leaned against the doorframe, fighting for breath. "Extended? For how long?"
"A year. Two years. Three. It depends entirely on your compliance."
A harsh, ragged laugh tore from my chest.
They really thought I was an indentured servant.
I looked down at the blood soaking through the thin canvas of my sneakers, and a strange, clean clarity washed over me. There were thousands of wealthy men in this city. Why should I starve myself in Chase's golden cage?
That very night, I reached out to Kelly, an acquaintance who had turned elite companionship into an art form.
"Hey. You mentioned an invite-only networking group for self-made moguls. Can you get me in?"
Word traveled fast; everyone in the circle already knew I was practically starving under Chase’s roof. Kelly didn't ask questions. Within an hour, she introduced me to Big Al, the owner of a sprawling regional lumber and concrete empire.
Al was fifty-two, completely unpolished, with a round beer belly and a bald head ringed by three lonely strands of greased hair. But none of that mattered.
What mattered was that Al agreed to give me five thousand dollars a month upfront—and immediately wired me two hundred thousand dollars as an emergency loan for my father’s surgery.
When the transfer cleared, I broke down in tears of pure relief.
A crude, outer-borough contractor had shown more humanity in ten minutes than Chase had in three months with all his billions.
At first, I was timid around Al, terrified of failing another imaginary "probationary period."
When I nervously brought it up, Al laughed so hard beer nearly shot out of his nose.
"A trial period? For a pretty girl keeping me company? Sweetheart, your only job is to make me smile after a ten-hour day on a job site. If I'm happy, you're happy."
And he meant it. When Al asked me to bring him a basin of warm water and epsom salts to soak his calloused feet, I did it without complaint. The next morning, a fresh tube of Dior lipstick sat on my nightstand.
It was an atrocious shade of hot magenta, and the perfume he gifted me smelled like synthetic cotton candy, but I didn't care—I listed them on an online resale app that very afternoon.
Within two weeks, I had built up an emergency fund of three thousand dollars. I celebrated by buying myself a massive pastrami sandwich and eating the whole thing in Central Park, savoring every single bite of warm, real food.
A month later, Al’s new distribution center held its grand opening ribbon-cutting in Queens. He insisted I stand beside him on the podium.
Local trade reporters were snapping photos, flashing lights bouncing off the giant red ribbon. I held one side of the oversized golden shears, smiling alongside Al.
Suddenly, the unmistakable sputter of a two-stroke engine cut through the brass band.
A battered green Vespa mounted the curb, screeching to a halt right at the foot of our stage.
"Hey! What the hell do you think you're doing?" Al bellowed, his face turning the color of a ripe tomato. "Can't you see we're in the middle of a ceremony? Security, get this pizza delivery junk off my lot!"
Murmurs rippled through the gathered crowd. Someone in the front row gasped.
"Wait… is that Chase? The CEO of the venture firm?"
I froze, my gaze locking onto the man straddling the scooter. Chase pulled off his sunglasses, his eyes burning with a volatile mix of fury and wounded pride.
"Mrs. Hobbs told me you used my money to bankroll some guy's warehouse," Chase panted, looking around wildly. "I didn't believe her. But look at you! Abigail, I gave you four hundred thousand dollars a month, and you run off to play sugar mama to this troll?"
The crowd erupted into an audible gasp. Phones shot into the air, livestreams kicking on in real-time.
"Four hundred grand a month? Is she insane?"
"Leaving a billionaire hedge-funder for a bald concrete contractor?"
I looked at Chase—his rumpled shirt, his bizarre choice of transportation—and felt nothing but tired disgust.
"Would you stop lying through your teeth, Chase? Four hundred grand? I didn't see forty cents!" I shouted back. "If you're so loaded, go buy yourself a helmet before you crash Mrs. Hobbs's moped!"
A voice from the crowd chimed in: "Wait, doesn't Chase own a fleet of bespoke Maybachs? Why is he riding a beat-up scooter?"
"Did his fund collapse?"
"Typical gold-digger! The second he goes broke, she jumps ship!"
Someone shouted at me: "Hey, lady, how much is this old guy paying you to ditch a billionaire?"
I didn't even flinch. I squeezed the golden handles with Al, slicing cleanly through the thick satin ribbon.
"Five thousand a month," I said clearly.
Chase shook visibly on the scooter, his knuckles white against the handlebars.
"Abigail, have you completely lost your mind? Five thousand dollars? For "him"? You had a live-in housekeeper waiting on you hand and foot!" He grabbed his phone and made a clipped, furious call.
Five minutes later, the low rumble of high-performance engines vibrated through the pavement. A convoy of six black Maybachs pulled up in a seamless, imposing formation, blocking the avenue entirely.
The crowd stared, slack-jawed. Al took a nervous step back.
"He's not broke?"
"Then why the hell did she leave?"
"Maybe she has a thing for old guys with bad comb-overs!" Laughter rippled through the spectators.
My blood boiled. I glared at Chase. "Waited on hand and foot? I didn't dare breathe in front of that woman! If she wasn't ordering me to line up at dawn for discounted day-old bread, it was a miracle!"
Chase's expression twisted into utter disbelief. "Discounted bread? What kind of cheap fantasy is this? I had artisanal ingredients flown in from Belgium twice a week for you!"
"Stop making things up!" I snapped, my voice shaking with months of suppressed humiliation. "The only time I had a full stomach was on Labor Day when Mrs. Hobbs dragged me to a warehouse club so we could gorge on free samples! I couldn't even afford to buy tampons under your roof!"
Chase lunged off the scooter, marching up the stairs to grip my sleeve. "Shut up! That's absurd! Four hundred grand a month—you could have bought gold-plated tampons!"
I yanked my arm back and shoved my phone into his chest, pulling up my neighborhood coupon-exchange threads.
"Here! Look at your four hundred grand! It was three hundred dollars' worth of manufacturer coupons! Half of which were already expired!"
Chase's eyes bulged as he stared at the screen. "What… what the hell is this junk?"
"Oh, still acting?" I sneered. "Wasn't it your direct order that my allowance be paid in grocery discounts to 'evaluate my loyalty'? Aren't these the 'luxuries' you had her hand down to me?"
I reached into my canvas bag and pulled out a greasy, crumpled paper napkin printed with a local diner's logo, tossing it onto the podium.
The onlookers burst into raucous laughter.
"Man, she really is the most budget-conscious mistress on the East Coast!"
Chase’s face flushed crimson with rage. "Enough! I never gave you these! I bought you couture pieces from Paris, a custom diamond Patek Philippe—"
"Save it," I scoffed. "If I had seen a diamond watch, I would've wept tears of joy."
Realizing I wasn't backing down, Chase violently unlocked his banking app and shoved the transaction ledger into my face.
My eyes skimmed the lines of figures, and my breath caught in my throat.
Someone was going to federal prison.