If she's over 23 and has her own fully paid off property plus a yacht then she qualifies as a sugar mommy.

FWB is fun until one party decides to make a commitment. If the other party isn't in agreement then tension starts and everything stops. Then they'll end up looking around for a new FWB thing with another person.

But if both parties agrees to take it to the next level it can be fun. If the sex was really good during the FWB period then things will only get better once they tie the knot.