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The Ultimate Risk - Part 1
Pairing: Bucky Barnes x Female Reader
Word Count: 4500
Series Summary: Reader is a full-time college student at 30 years old who is starting over in life. When she loses her full-time job as a waitress, CEO James “Bucky” Barnes steps in with a proposition. Can he sell you on a way to help you by offering a Sugar Daddy relationship? In time who will get feelings first? Can a Sugar Daddy relationship really work out?
Series Warnings: Sugar Daddy au, Reader is 30 & Bucky is in his 40s, trust issues, angst, eventually falling in love, smut, oral (m & f).
The Ultimate Risk Masterlist
A/N: @avengers-assemble-bingo for James Buchanan Barnes - 108th Birthday Bingo
Square: Sugar Daddy (card #4B 024)
A/N 2: Thanks to my beta readers @gremlin-girly & @lfnr-blog-blog-blog Thank you to @nekoannie-chan for reading this. Thank you to @late-to-the-party-81 for my amazing moodboard.
Please Read, Reblog, & Comment. It lets me know you like my work. 😊💜
I do NOT consent to translating or reposting my work on any social media platform, app, or third-party site or run through AI. If you see my work anywhere besides my personal Tumblr & AO3 accounts, it has been stolen.
The alarm went off way too early for your liking and you instantly hit the snooze button on your phone. You roll over with a grumble and fall back asleep instantly. Ten minutes later your alarm goes off again and you curse at the loud alarm. You grabbed your phone, turned off the alarm, and placed your phone on the bed. Your eyes finally open and you’re hissing at the sunlight that is streaming through the curtains.
You let out a groan knowing your long day has just begun. You stay in bed for another ten minutes before you climb out and shuffle to the bathroom to get ready for your day.
After showering and getting changed into comfy clothes you grab your laptop. Logging onto the college’s website you start working on your homework for the classes you have today. You would have done it sooner but you worked a late shift again last night.
You wish you could complain but you really needed the money to keep a roof over your head.The apartment was quaint; one bedroom and one bathroom. It had a small kitchen that was open to the living room. It may not be much but it was yours to rent.
A part of you wished you could win the lottery to help get you caught up on bills. That way your money wasn’t going mostly towards rent. You sigh, thinking how long it’s been since you had a vacation. What you needed was a miracle but those don’t happen for you.
An hour passed and you had completed your school work. The next two hours pass and you get two online classes done. By the time you knew it it was noon and you had two hours to get to work.
You changed from your comfy clothes to work ones. You grabbed something to eat for lunch so you had food in your stomach. Placing the plate in the sink you go put your shoes on. Grabbing your purse, phone, and keys you head out the door, locking it behind you, and head to work.
At the sidewalk sits your 2010 Toyota Corolla. It’s not much to look at but it gets you from point a to b. Unfortunately, the check engine light is on and you have no idea how much longer your car will last. Maybe one day you will get a better car.
It’s a fifteen-minute drive to work and you huff getting out of the car. Your boss likes you at work an hour before your shift so he can go over the special guests who will be attending tonight. It’s an upscale restaurant that you work for but one you would never visit due to funds.
The group of staff members stand in the back as your manager speaks.
“Tonight is Friday night and we have a list of “A” list customers coming in. I need you all on your “A” game tonight. Remember our goal is to keep the customers happy.”
You fought the urge to roll your eyes with his last sentence. Your boss believed the customer came first and foremost. Which you believed in, because, depending on who they are some of these customers tip well.
He spoke a little more about business and an hour later he ended the meeting. You thank the heavens above that he was finished. Taking a breath you get ready for your shift.
At first, it was the usual slow afternoon crowd. You enjoyed the slow time but were anxious for the real crowd to roll in. The crowd filters in around five in the afternoon and you were busy working tables. Taking orders and bringing food out was stressful at times but you smiled through it all. Thankfully nothing was dropped.
At seven in the evening, you were informed that James “Bucky” Barnes had requested to sit in your section with his friends. You couldn’t help the smile that graced your face. The man was the CEO of a company in the heart of New York. He was well-mannered, benevolent, charming, and easy on the eyes. To say he was your favorite was an understatement.
Taking a deep breath in and out you head to a table in the back of the restaurant. Bucky likes his privacy, so this is where he would sit when he came here every week.
Approaching the table you see Bucky and two other men. When Bucky’s eyes look up from the menu he offers his million-dollar smile. His blue eyes gaze into yours for a minute before he greets you.
Smiling at him first then the other two, you ask for their drinks for the night. They give you their alcoholic drink of choice and you are off to grab their drinks. After a few minutes you return to the table and give each man their drink.
Bucky introduces you to his friends Steve and Sam. You shake their hands and smile at each one.
Sam blurts out, “You were right Buck. She is beautiful.”
You look from Sam to Bucky and see Bucky blush. Was he talking about you to his friends? Why would he, you’re just a waitress. You were nothing special.
Bucky looks at Sam with a dirty look. “Shut up.”
Bucky glances back at you and apologizes for his friend's behavior. Changing the subject, he quickly orders his food followed by the two men. You smile at Bucky before you head to the back to put their order in. As you leave you hear the men mumbling to one another. Hopefully, whatever’s going on doesn’t involve you. The last thing you want to be is a butt of a joke to the one customer you enjoy.
You continued to serve other customers in between grabbing Bucky’s table more drinks and eventually their food. The night seemed to be going well until your ex-fiance showed up with a couple of his friends. The greeter was leading them into your section as you cussed under your breath. The night just took a step in the wrong direction. You huffed a little before plastering a smile on your face and heading to your ex’s table.
“Good Evening gentleman my name is…”
John Walker interrupts you before you can say another word. “Yeah, darling, we know who you are. Why don’t you grab us some beers and be quick about it.”
“Sure thing,” you bite out.
You headed to the bar and grabbed the beer they liked. Taking your time you bring the beer to the table and place them on the table.
“Oh darling, why do you look so glum? Wait, don't answer that 'cause I don’t care.” John sneers. Making his friends laugh before you take his order.
As you turn to leave John grabs your arm. “Oh, don’t forget to keep the beers coming. Gotta work for that tip.”
At that moment Bucky turned his head to the right and saw John’s hand around your arm. Before he could get up to say anything, the man let you go and you quickly headed to the back/kitchen. You put in his order and then stepped into the hallway that led to the bathrooms to take a few breaths. You knew John was going to make your life hell and there was no doubt he would tip garbage. While you were trying to calm down Bucky stepped into the hallway with a sad smile.
“Hey, sweetheart, are you okay? It’s just I saw that man put his hand on you before you walked out of the dining area.”
Embarrassed, you covered your face briefly with your hands. “I can’t believe you saw that.”
Bucky gave you a small smile. “Hey, it’s okay. Do you know him or is he just a handsy customer that needs to be spoken to?”
You looked at Bucky and gave him an awkward smile. “He’s my ex-fiance, John Walker. He left me 6 months ago and ghosted me. He didn’t even give me a reason why he left. Gosh, I shouldn’t be sharing this with you, you're a regular customer here James.”
“Please call me Bucky. No need to be formal, sweetheart.”
“Bucky. Well, I should get back in there to do my job. Don’t need the manager mad at me for being back here.” You start to walk away and you look over your shoulder to see Bucky staring at you while smiling.
You get back in the dining room area and see John flag you down. Again, you huff but head over to the table.
“Where the hell were you? I told you to keep the beer flowing. Now be an obedient waitress and go get us more!”
Everyone in the restaurant turned around to look at you and John. People were whispering amongst themselves as you headed to the bar to grab more drinks for the table. Tears started to form in your eyes at the embarrassment that John was causing. He was trying to cause a scene and so far he’s been successful at it. You took a deep breath and headed back to the table where you switched the empty cups for the new ones. Walking away before he could say a word you turned your attention to Bucky’s table. You see they are almost done eating and ask, “Do you gentlemen need any boxes to go?”
Bucky puts his fork down. “I’m good. Steve and Sam, do you need one?” Both men shake their heads saying ‘no thanks.’ Bucky flashes his smile at you. “How about another round for us when you get the chance? No rush, sweetheart.”
You smile back at Bucky and head to the bar area.
After you leave the dining area Bucky hears who he now knows is John talking about you. He doesn’t like the sound of the conversation or how vulgar it’s about you. His hand is making a fist on the table and both his friends can see the vein in his neck twitch from the anger that is building. Bucky doesn’t want to cause a scene but this man and his friends are being obnoxious at this point. The other diners listen in as John talks loudly about you. Bucky looks Steve and Sam in the eyes before he stands up to go to John’s table.
Bucky walks over to the men at the table and smirks. “Good evening, gentlemen. I just wanted to come over here and say the whole restaurant can hear your disgusting conversation about the nice waitress who is serving you. How about you drink your beer in peace and leave her alone.”
John stands up and is nose-to-nose with Bucky. “How about you mind your fucking business and go back to your table?”
“Or what…?” Bucky cocks his head to the side and stares him down.
John turns a shade of red and starts to poke Bucky in the chest. “Or else I take your sorry ass outside and shut you up.”
Bucky laughs out loud. “I honestly would love to see that.”
You come back from the bar with drinks in hand and see the men causing a scene. You spot Bucky and the other men, who are now all standing, and place their drinks on an empty table. You walk quickly over to the men and try to separate them.
“John, Bucky, this is a restaurant. Whatever has been said just let it go or I’m going to ask that you leave.” Bucky takes a few steps back and keeps staring the man down.
John’s blue eyes are cold as he looks at you. “Why don’t you shut up and leave the men to the conversation?”
“John, I'm asking nicely for you to stop or else I will have you removed from this establishment. No excuses, sit down or leave.”
John swiftly grabbed his beer and started to chuckle. “Women. They just don’t know how to listen.” Walker turns to you and spills his glass of beer over your head causing you to shriek.
That was all Bucky needed to see before he punched John in the face, causing him to fall backward. The two other men jumped out of their seats and before they could swing at Bucky, Steve and Sam punched each man. Patrons were screaming over the fight and other waiters and waitresses were trying to calm them down. Within seconds the manager rushed into the room and started shouting at all six men who were going at it. The manager made his way into the middle of the pack and he was yelling he was going to call the cops. That made the men separate real quick.
“Pay your bills and leave this establishment!” The manager yelled at them. Your manager looked at you covered in beer and made a disgusted face. “And you are fired. I want you out of here now.”
“Wait, please I didn’t do anything.” You started to panic but your boss pointed toward the exit.
“They were your customers and clearly you know them. Guilty by association in my book.”
Your tears finally fell down your face as you were screwed with no job and the rent was due next week. “Please, sir, I’m begging you…”
John starts to mimic you as he tosses down bills on the table. “Please, sir, what? He doesn’t want you around anymore like I don’t. You’re a pathetic piece of trash who whines too much.”
Bucky was about to punch John again when Steve and Sam started to walk him back to their table to pay. As each table was paying their tabs you walked into the back to get your purse and leave. You walked through the hallway and glanced over to the men who were now leaving.
Great.
You hurried along and headed to your car. John left with his friends and they laughed about what happened.
“Hey, sweetheart, wait up!” Bucky called after you.
There would be no seeing him ever again after what just happened. You wiped at your tears as Bucky reached you. You looked up at him with teary eyes. “Sorry Bucky I really should be going.”
“I know but first I wanted to give you your tip in person.” He hands you two hundred dollars. “I know it’s not much but I want you to take my business card with you. I have a possible opening if you’re interested in it. We can talk tomorrow over lunch if you want. See if it’s right for you or not.”
You held his money and business card in your hand. With bills due in a week what would the harm be? You knew he was a kind-hearted and generous man. “Yeah, that sounds fine. Which number do I call on here?”
“Oh right.” Bucky chuckles. He takes the card from you and writes his cell number on the back of the card. “Here, now you can text me when you are ready tomorrow.” He hands you back the card.
“Thank you, Bucky for the money and card. I’ll see you tomorrow.” You turn back around and walk to your car. Getting in you turn it on and slowly drive away. In your rearview mirror, Bucky is standing there watching you drive out of sight.
He is hopeful that you will be interested in taking the job. He’s watched you for months and knows the kind, caring woman you are. Bucky walks to his expensive car, gets in, and drives home.
Fifteen minutes later when you arrive at your apartment you strip out of your clothes so you can shower. Under the warm water, you think back to how John was acting. This was his normal behavior so you were glad he left you when he did. The guy was a total jerk. As you continue to wash your mind shifts to Bucky. The man was charming and the best part was he stood up for you. No one has ever done that before. You wonder what kind of job offer he has for you as you step out of the shower and wrap yourself in a towel.
You dry yourself off and hang your towels up. You change into a pair of sleep shorts and a T-shirt before you collapse on your back on the bed. What kind of job would a CEO have open for you? You were now unemployed and a full-time college student. Would the job be able to be flexible so you could continue your studies? First things first, you need to talk with him about it before worrying.
The next morning after your shower and morning routine you texted Bucky.
You: Hey Bucky, I was wondering when was a good time to meet with you today?
Bucky: Hi sweetheart I’m so happy you texted me. My noon is wide open so let's meet for lunch. I’ll have a driver come by your place and pick you up. Just text me your address and everything will be covered.
Thinking about being picked up made you a little nervous. What if the job interview didn’t go well? He would then know where you lived. On the other hand, you were still tired from not being able to sleep that much last night due to being fired. Of course, this could also be a test to see if you trusted him. You texted him your address and hoped to god he wasn’t some psycho.
Bucky: Thank you, sweetheart. I’ll see you soon.
Well, now that you got that over with, you take your time getting ready. Since this felt like an interview you dressed yourself in a black pencil skirt that was just above the knee with a small slit in the side. Next, you pulled on a cute light blue blouse and you finished off the look with a pair of black heels. It wasn’t an expensive outfit but it will hopefully do for this meet-up. Your hair and makeup were perfect; striking the balance between natural and formal for your interview with CEO Bucky Barnes. You gave yourself a glance in the mirror one more time before you grabbed your purse, phone, and keys and headed for the front door.
You headed down the stairs and opened the front door. Sure enough, there was a black SUV parked at the curb waiting for you. A man got out of the driver's seat and walked around the vehicle to where you stood. He nodded to you and opened the back door. Taking a breath, you climbed into the back and waited as the driver climbed back inside. He pulled away from the curb and off you went to wherever Bucky had planned your lunch. It was a fifteen-minute drive from your place when the driver pulled in front of a fancy restaurant. There was no way you could afford to eat here but as you were pondering your choices, the man opened the door and helped you out.
Great, now you had to head inside to this beautiful restaurant in your clothes that would not fit into this type of place. Clutching your purse you walk inside to the restaurant. Light classical music echoed around you as you made your way up to the hostess with a nervous smile on your face. She looked you up and down, sneering at you.
“Can I help you?” She asked with faux-politeness, staring you down with cold eyes.
Feeling embarrassed to be there you took a step back. “Sorry, I must be at the wrong place.” You turn around to walk away and bump into Bucky.
He looks down at you and smiles. “There you are, sweetheart. I was wondering if you made it. I’m so glad you are here.” Bucky lightly wraps his arm around your back and makes his way to the hostess.
This time she is all smiles when Bucky stands before her. “Mr. Barnes, what an honor to see you today. Would you like your regular booth?” The woman looks at you, seeing his arm around your back and you can tell she is biting her tongue.
“Yes please, a table for two today,” Bucky states as the hostess leads the both of you to a booth in the far back.
Bucky waits for you to take a seat and he soon follows. You are both handed a menu and you start to glance through it. Seeing the exorbitant prices on the menu made your stomach instantly twist and turn. Biting your bottom lip Bucky can see the wheels turning in your pretty head.
“Don’t worry about the prices. Today is my treat as I asked you to meet me here.” He gives you a warm smile and makes you feel more at ease.
“Are you sure? I mean I don’t want you to feel like you have to pay or anything.”
“Sweetheart, I promise you have nothing to worry about today. Let’s just eat and talk.”
You nod your head. “Okay.”
Bucky’s blue eyes wander on your outfit for a moment and he smiles. “You look beautiful.”
“I don’t know about that. The hostess didn’t seem to like my outfit.” Your hands fidget as you look down at yourself.
Bucky reaches across the table and puts his hand on yours. “Well, she’s wrong. I’m telling you that you’re beautiful and as long as you feel it too that should be enough.”
You give him a shy smile. “Thanks, Bucky.”
The waiter comes over to take your order and to pour some wine that Bucky requested. Taking a sip of it made your taste buds explode in your mouth as you have never had wine like that before. The taste had you moan lightly and quickly you realized how silly you were acting. But Bucky was just staring at you with a smirk on his face.
Your lunch arrived a few moments later and you both made small talk as you ate. He talked about his day at work and how he had a few charity events coming up. You talked about schoolwork and working towards your dream career.
After you both were done eating Bucky smiled before he cleared his throat. “You’re probably wondering why I asked you here and not at my place of work to talk about a job I’m offering.”
“Yes, I’m very curious. What is it, a secretary job? I’m not sure how many words I can type per minute but I’m good at typing up reports for college.”
“No, it’s not like that, please let me explain. In my job I don’t have time to go out and meet women. I’m a very busy man with my job. Right now, I’m looking for some companionship to keep me company at work events, charities, and sometimes my travels.” Bucky was the epitome of confidence and giving you a reassuring smile as he spoke. “Someone who will be my shining light during these exhausting times. Someone kind, smart, funny and beautiful. In return, I would take care of that person financially. They would want for nothing.”
“So why not get an escort? I mean that’s what they’re there for. Why even have this conversation with me? I’m an unemployed college student. Why even come to me with this?” You didn’t know how to feel about this conversation you were having with Bucky.
Bucky leaned forward and smiled. “First I don’t want an escort. Second, you meet all the qualities I’m looking for in a companionship or, in layman's terms, a sugar daddy relationship.” Bucky paused for any reaction before continuing. “We already know each other, which is a plus. I enjoy being around you. So why not?”
You stared at him, speechless. Not knowing what to make of this sugar-daddy relationship. What the hell is that? Is this the kind of job you want? What would people think?
“When you say you would take care of someone financially what does that mean?” Curiosity was getting the better of you.
“I would take care of your rent and all your monthly bills. That includes your tuition as well. I would give you a monthly allowance so should you need anything you have money to do it. I would also bring you clothes shopping to update your wardrobe. You will need dresses to attend events with me. You will want for nothing and all I’m asking in return is your companionship.”
You pondered what he just said. “All of that just for a sugar daddy relationship? What about sex?”
“Do you want sex to be involved?” Bucky asked, his eyes never strayed from yours.
“No, I mean is it required?” Now you thought you sounded like a fool but you needed to know if you were going to be a whore to him or not.
“I’m not seeking that but if down the road you want to we can talk about it then. I’m just looking for friendship and a companion. Nothing more.”
You let out a breath you didn’t know you were holding. “When do you need to know? Like, can I think about this?”
Your nerves were getting the better of you. Because of John, your trust issues had blown through the roof. This sounded too good to be true.
Bucky smirks at you. “Take all the time you need. But in the meantime let me help you with your rent and bills that are due next week. No strings attached I promise.”
You were going to be short on money next week so you nodded your head in agreement. “Okay, thank you Bucky. Give me a couple of days and I will reach out to you through text.”
The waiter came over with the bill and sure enough, Bucky paid for the entire meal. You just watched him as he stood and held a hand out for you. After getting out of the booth Bucky once again walked with his hand on your back until you reached outside. The same SUV from earlier pulled into the curb in front of you. Bucky opened the door for you and kissed your cheek gently.
“Whatever you decide I will be fine with. Now, go focus on your school work and I’ll head back to the office.”
“Okay, Bucky. Thank you for lunch. I had a great time.”
“You’re welcome, sweetheart.”
You climbed back into the SUV and gave Bucky a small wave as it peeled away from the curb, leaving him smiling after you. Again, you drove in silence and after the short drive, you finally reached your apartment. Once inside you changed into leggings and a T-shirt and flopped onto your bed.
You knew for sure you liked Bucky and thought he was handsome. You also knew what kind of man he was; kind, caring, protective, and smart just to name a few. This was going to be a big decision to make and you’re gonna need all the time to make it.
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Warning, the last one is a bit hard on the eyes

