I’m a rich stay-at-home daughter – my daddy pays for everything thanks to my unlimited credit card but I’m not a brat

A RICH stay-at-home daughter has lifted the lid on what her life is really like.

Chloe’s lavish lifestyle is one most of us can only dream of and it's all thanks to her dad's successful investment company.

The brunette beauty, who got her first designer handbag for her first birthday, explained that her daddy pays for everything thanks to her unlimited credit card.

But, despite this, the 21-year-old confessed that she has never had pocket money.

The content creator assured her followers that she is grateful for her lifestyle and promised that she isn’t a ‘brat’.

Posting on social media, the influencer shared assumptions people make about her and whether they are true or not.

She explained that one assumption she gets “all the time” is that her parents pay for her living and she “lives off daddy's money”.

Chloe then confirmed: “I'm pleased to confirm that those rumours are true - yes, my dad pays for my expenses, yes he pays for my entertainment and my shopping and my education, but what do you want me to do?”

Chloe admitted that she is “so lucky” that her dad “funds” her life, as the money she earns through TikTok goes into her savings, investment or shopping.

The fashion and jewellery lover then confessed that people always assume she gets an “allowance” from her parents, but in fact, that isn’t true.

Instead, Chloe shared: “I've never had an allowance in my life, I just have a subcard, obviously with the subcard, the limit is basically until one of my parents gets angry when they look at the next credit card bill, even though it is my dad's money, I basically just have to convince my mum and thankfully for me, my mum and I have a very similar hobbies.

“Obviously my parents can see everything that I buy - I am allowed to use my own money, but I don't wanna use my own money, I wanna use my dad's money.

“I think it goes without saying that I'm very grateful to my father for funding my life.”

In another clip, Chloe, who grew up with chefs and has never cooked a full meal for herself, claimed: “I think you can be spoiled and not a brat, that is what I aspire to be in life.”

Can your dad adopt me?

The TikTok clip, which was posted under the username @chloeabeth4545, has clearly left many totally stunned, as it has quickly racked up 915,000 views.

Social media users were gobsmacked by Chloe’s lifestyle, and whilst many joked they were keen to be adopted by her father, others expressed their appreciation at her ‘transparency’.

What is a Nepo Baby?

A 'nepo baby' is a colloquial term used to describe individuals who have gained opportunities or success in their careers primarily due to familial connections or the influence of their well-known or wealthy parents, rather than solely through their own talent, skills, or efforts.

The term 'nepo' is short for 'nepotism', which refers to favouritism granted to relatives or close friends, often in a professional context.

Key Characteristics:

• Inherited advantage: Nepo babies often benefit from their family's established reputation, wealth, or industry connections.
• Access to networks: They typically have easier access to influential networks and resources within their chosen field.
• Public perception: The term can carry a negative connotation, implying that their success is not entirely merit-based.

Industries Affected:

Examples:

The concept of nepo babies is often debated, with some arguing that it undermines the notion of meritocracy.

Meanwhile, others believe that it is natural for families to support and help each other succeed.

One person said: “I love how transparent you are. It’s a bit refreshing on this app.”

Another commented: “I love this for you! You are so blessed.”

Meanwhile, a third asked: “Do you need a sister?”

Whilst someone else questioned: “Can your dad adopt me?”

Richest Nepo Babies

NEPO babies - children of celebrities or influential individuals who benefit from their parents' fame and connections - often have a leg up in their careers. Here are some of the wealthiest nepo babies:

Blue Ivy Carter

• Parents: Beyoncé and Jay-Z
• Worth: Estimated to be worth millions due to her parents' combined wealth and her own ventures in music.

Brooklyn Beckham

• Parents: David and Victoria Beckham
• Worth: With parents who are icons in football and fashion, Brooklyn has carved out his own space in photography and modelling.

Kaia Gerber

• Parents: Cindy Crawford and Rande Gerber
• Worth: Following in her supermodel mother's footsteps, Kaia has a flourishing modelling career.

Jaden Smith

• Parents: Will Smith and Jada Pinkett Smith
• Worth: Jaden has succeeded as an actor, musician, and entrepreneur, leveraging his parents' fame and his own talents.

Lila Moss

Lourdes Leon

North West

These individuals exemplify how familial connections can provide significant advantages in building wealth and achieving success.