Ronalds, generally called "Fanny", was born in New York City and raised in
Boston, Massachusetts, the daughter of Joseph Ballard Carter (1813–1889) and his wife, Mary (
née Chamberlain) Carter (died 1898). In the mid-1850s, showing a talent for singing, she travelled to Italy to take singing lessons. In 1859 at age twenty, she married Pierre Lorillard Ronalds (grandson of
Pierre Lorillard II), a dozen years her senior, a New Yorker called by
The New York Times, "The Father of American Coaching". She quickly became a noted socialite and hostess. At one magnificent ball that she gave in the early 1860s, Ronalds famously appeared dressed "as Music, in a white satin gown embroidered with bars from
Verdi's
Un ballo in maschera", wearing a harp-shaped, illuminated crown. From 1860 to 1862 the couple lived in Paris, and from 1862 to 1864 in New York. The Ronalds had four children. A contemporary account described Fanny Ronalds as follows: "Her face was perfectly divine in its loveliness, her features small and exquisitely regular. Her hair was a dark shade of brown –
châtain foncé [deep chestnut] – and very abundant... a lovely woman, with the most generous smile one could possibly imagine, and the most beautiful teeth." She developed a relationship with the wealthy
Leonard Jerome (
Winston Churchill's grandfather), a notorious womanizer, but somehow maintained a friendship with his wife and daughters, including
Jennie Jerome, who remembered Ronalds singing them to sleep. During a party, Napoleon rescued her after she fell into one of his ponds. She had met
Arthur Sullivan in the early 1860s. With the faltering of the
Second Empire as unrest grew in France, her opportunities there collapsed, and Ronalds moved with her children to
Tunis in 1869. There she became a partner in a farm near
Sidi Thabet with Ferdinand Veillet-Devaux, the Count de Sancy; after some legal troubles, the venture ended in 1874. ==Years as Sullivan's mistress==