The 22 year old woman isn't going to care about money when she's mostly evaluating close to her own age. When she's dealing other other 20 something men, looks factors will matter far more than money. When a man in his 30s/40s wants to attract, seduce, and retain an early to mid 20s woman for an extended period of time, money will matter. A 37 year old man is going to need money + looks for a 22 year old girlfriend. The 22 year old woman can get looks alone from 22-27 year old men, but she can't get money from them. That's where money makes a difference.