MILF=A former wife who has been replaced by her husband for a younger model and therefore needs money so desperately that she's willing to have sex with strangers for money even though she hates every minute of it or a wife whose husband is a lazy loser who can't make any money and has to resort to selling his wife's pussy to African Americans and/or other lowlifes. Some MILFs are still fuckable some aren't.

Cougar=An old woman who was so ugly/vulgar/had such a bad personality when she was young that she was unable to find any man willing to marry her. As a rule of thumb, cougars tend to subscribe to the feminazi ideology and justify their whoring ways by pretending that their immoral behavior is somehow a political stance against societal hypocrisy and for sexual liberation. They also like to claim that they are having the time of their lives. In reality they only wish they were married like all their girlfriends from high school who live happy lives serving their husbands and bearing their children and do not have to be sodomized by Jamal and his whole gang to pay the rent. Cougars are ugly but willing to perform even the most outrageous sexual acts in exchange for as little as a glass of wine.