
I used one expensive moisturizer for ten years before I ever made anything. So when I compare brand name moisturizers vs tallow moisturizers, I’m not describing a world I’ve only read about. I was the customer.
The useful comparison is learning to read the back of the jar, because once you can do that you don’t need me or anyone else to tell you what you’re holding.
Why Do Moisturizers Have So Many Ingredients?
Pick up a drugstore or department store moisturizer and you’ll usually find somewhere between fifteen and forty things on the label. That number surprises people, and the explanation is more boring than sinister.
Most of that list exists because of water. A water-based cream needs something to keep the oil and water from separating, something to control how it feels going on, something to keep it stable in a warm truck, and something to hold all of that together for the eighteen months to three years it might sit in the supply chain.
None of those ingredients are there to help your skin. They’re there so the product still behaves like a product by the time it reaches you.
Moisturizer Ingredients Explained, in Plain English
Here’s roughly how a label breaks down once you know what you’re looking at.
- Water, or aqua. Usually first, which means most of it. Cheap, and it makes a cream feel light.
- Humectants. Glycerin is the common one. It draws water toward the skin’s surface.
- Emollients and occlusives. The oils and butters. These are the part actually doing the moisturizing.
- Emulsifiers. They stop the oil and water separating in the jar.
- Stabilizers and thickeners. Texture, and keeping it stable on a shelf.
- Fragrance. Often listed as one word covering many.
A long list isn't a bad list
Every one of those is doing a real job. My objection is that most of that list exists to solve problems created by the water. You’re paying for the solution to a problem the formula chose to have.
What Is Glycerin in Skincare?
It comes up on nearly every label so it’s worth knowing.
Glycerin is a humectant, which means it pulls moisture toward the surface of your skin. It works, it’s cheap, it’s been used for a very long time, and there’s nothing wrong with it.
The one thing worth understanding is where it pulls that water from. In humid air it draws from the air. In very dry air, which is most of a Montana winter, it can draw from deeper in your skin instead, which is the opposite of what you wanted. That’s why a humectant usually needs something over the top of it to hold the moisture in.
Brand Name Moisturizers vs Tallow Moisturizers: The Actual Difference
Mine has a short list and no water in it.
That short list isn’t restraint on my part. Water is the thing that makes a label long: it needs an emulsifier to keep the oil and water together, a preservative because bacteria grow in water, and a stabilizer to hold all of it in suspension. Take the water out and that whole group of ingredients has no job left to do. The formula got short because the chemistry got simpler.

What you give up is real. No water means it goes on richer, it doesn’t vanish the way a lotion does, and a little goes much further than people expect. That last part catches people out, so start with less than you think you need and give your skin a couple of weeks to settle into it.
If You Can’t Pronounce It, Should You Avoid It?
No, and I want to say that clearly, because scaring people about chemistry is one of the cheapest moves in my industry and I’ve watched plenty of brands make a living from it.
A long chemical name usually means somebody wrote out the full name of a molecule instead of its common one. Tocopherol is vitamin E. Sodium chloride is salt. Water is dihydrogen monoxide if you want to be difficult about it. None of that tells you whether something is good or bad for your face.
What a long list actually tells you is that the formula is complicated, which is a different fact and a more useful one. Complicated isn’t dangerous. It does mean more places for your skin to meet something it doesn’t get on with. If you’re the kind of person who reacts to things, fewer variables makes it easier to work out which one was the problem.
That’s the honest reason I like a short list. Not because the long words are frightening, but because when something goes wrong on a list that short you can find it.
Active vs Inactive Ingredients in Skincare
This trips people up, because the words sound like a ranking and they aren’t.
“Active” is a regulatory word. It means the company has made an approved claim about that one ingredient, the way a sunscreen or an acne treatment does, and those get regulated as drugs. Everything in an ordinary moisturizer gets listed as inactive instead, including the oils and butters doing the actual work.
So mine has no active ingredients in it. Neither does most of what sits on a department store shelf. The word tells you nothing about whether a jar works, only that nobody filed a drug claim for what’s in it.
What About the Price?
Mine costs more per jar than most of what you’d find in a drugstore. Less than a lot of what sits behind a department store counter. I’m not going to pretend it’s a bargain.
Where the comparison gets slippery is per use. A water-based cream is mostly water, so you use a lot of it. A dense fat with no water in it goes much further. The single most common mistake people make with mine is using far too much out of habit. A pea-sized amount for a whole face is genuinely the right amount.
So the jar price and the cost of using it for a month are two different numbers. Only one of them is on the label. Work out the second one before you decide either way.
How to Read a Moisturizer Label
You don’t need to switch to what I make. You need to be able to read a label and know what you’re looking at.
- Read the first three ingredients. That’s most of the jar. If it’s water and two things that hold water in place, you have a light lotion.
- Find the fats. The oils and butters are the part doing the work. If they’re near the bottom, there isn’t much in there.
- Notice what the rest is for. Stabilizers and emulsifiers are solving the formula’s own problems, not your skin’s.
- Check the glass on an oil-based product. Light degrades fats. Clear glass on an oil-heavy jar is working against it from the day it’s filled.
Why I Made Something Different
For ten years I bought the expensive one, and my skin was worse at the end of it than at the start. I don’t know that the moisturizer caused that, and I’m not going to claim it did.
What I know is that when I finally made something with a handful of ingredients I could pronounce and no water, I stopped wondering what was in it. I wrote up what a decade of the expensive kind did to my own face if you want the longer version.
The best thing you can do tonight costs nothing. Turn over whatever is in your bathroom and read the first five ingredients on it, and you’ll know whether you’re paying for the fat or for the water it’s suspended in. Then come see what I make, or read how it’s made first if you’d rather know where the fat comes from before you try any of it.
Not sure which suits your skin?
Answer a few questions and I'll point you at the jar that suits your skin.