Actress Tracee Ellis Ross Has The Keys To Financial Literacy
Tracee Ellis Ross is known for her quick wit, affable personality, and impeccable style as the co-star of the television mega-hit Black-ish. But what I love most about her, is her willingness to be outspoken on topics most important to her. The three-time Emmy nominated actress spoke withInStyle Magazine and dropped some major financial advice that anyone can use.
To me, one of the nastiest four-letter words is "debt"—it grabs ahold of you, and seems to to let go. From student loans to credit card bills and mortgages, debt is a part of life. And if we don't spend "smart", our financial woes will continue to pull us down. Ross says that learning this tip was her key to financial freedom:
"Spending smart is part of my motto in life...I believe that you can feel extraordinary in your life without spending tons of money. I'm a really strong advocate for living within your means and not trying to keep up with the Joneses, because then you don't have debt."
Additionally, Ross touched on the importance of establishing credit as an a rite of passage into the world of "financial maturity".
DFree / Shutterstock.com
You can't get credit without already having credit, and although it makes sense to only spend within your means, it is also important to establish your credit history early-on. That way, when you are ready to make bigger investments (like a car or home loan), you've proven that you are, in fact, credit-worthy. She shared:
"Part of learning how to be responsible with your money does require getting a credit card. If you just work with the cash that you have in your pocket, it's easier to know when that cash is done. Same with a checking account. People don't write checks anymore, but I do! Still, credit cards are really important in terms of financial maturity. I remember when I got my first credit card in college—I still have some of the credit cards from back then, actually—and I really gained an understanding of how it works. That's been important in my financial literacy as an adult."
The NAACP Image Award winner also gave some great advice when it comes to our ability to negotiate. As women, we've been pigeonholed into presumably not having this important skill, but Ross says if you know what you're worth, you need to speak on it. Demand your just due at the negotiation table. According to the award-winning actress, we can all support one another a little when it comes to learning his skill.
"Negotiating is a very scary experience because it requires a lot of courage and, to a certain extent, the willingness to lose the opportunity, which most people don't have the luxury to do. It's you saying, 'This is what I'm worth,' and as women, culturally, there isn't a training that supports us in that. That, I think, is what we are attempting to change from a systemic place. It's important to have a supportive group around you that you can use as a sounding board to be smart and creative in your negotiation. [Companies] might not be able to pay you in dollar amount, but maybe there's other ways you can be supported in the work that you do—like your travel expenses or something. There are a lot of ways you can negotiate."
As millennial women, our financial literacy is more important now than ever. We are increasingly starting more businesses than any other demographic, more likely to earn degrees, and are more often the breadwinners of the family. Tracee's advice should encourage us to start having conversations concerning women and financial independence. Tracee says that it's time to eliminate stigma surrounding these tough conversations, because in the end, knowledge is power. She said:
"Women's financial solvency, transparency, and the ability to have these conversations without being afraid are incredibly important things. We have to take the stigma away from it and actually try and make some change, and that will require us having knowledge."
It's never to early, or too late, to learn the ins-and-outs of credit and financial responsibility. It's not only a good idea to learn as much as you can about these areas, it can also be the difference between trying to keep up with the Joneses and actually becoming one of them.
To read more financial tips from Tracee Ellis Ross, check out her full interview here.
Featured image by DFree / Shutterstock.com
Article originally published on July 13, 2018
Michelle Schmitz is a writer and editor based in Washington, DC originally from Ft Lauderdale, FL. A self-described ambivert, you can find her figuring out ways to read more than her monthly limit of The New York Times, attending concerts, and being a badass, multi-tasking supermom. She also runs her own blog MichelleSasha.com. Keep up with her latest moves on IG: @michellesashawrites and Twitter: @michellesashas
ItGirl 100 Honors Black Women Who Create Culture & Put On For Their Cities
As they say, create the change you want to see in this world, besties. That’s why xoNecole linked up with Hyundai for the inaugural ItGirl 100 List, a celebration of 100 Genzennial women who aren’t afraid to pull up their own seats to the table. Across regions and industries, these women embody the essence of discovering self-value through purpose, honey! They're fierce, they’re ultra-creative, and we know they make their cities proud.
VIEW THE FULL ITGIRL 100 LIST HERE.
Don’t forget to also check out the ItGirl Directory, featuring 50 Black-woman-owned marketing and branding agencies, photographers and videographers, publicists, and more.
THE ITGIRL MEMO
I. An ItGirl puts on for her city and masters her self-worth through purpose.
II. An ItGirl celebrates all the things that make her unique.
III. An ItGirl empowers others to become the best versions of themselves.
IV. An ItGirl leads by example, inspiring others through her actions and integrity.
V. An ItGirl paves the way for authenticity and diversity in all aspects of life.
VI. An ItGirl uses the power of her voice to advocate for positive change in the world.
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I think we all can agree that social media really is a double-edged sword. What I mean by that is there is just as much bad that can come out of it as good. At the end of the day, it really is about 1) having your own mind, 2) finding balance when it comes to how much time you spend online, and 3) doing your own research instead of taking random people’s opinions as the gospel (i.e., facts).
Gee, I wish more folks did all of this when it comes to if a man needs to have a large penis to sexually satisfy a woman (he does not) and if a woman who has had multiple sex partners will ultimately end up with a vagina that is too large for smaller penises to please her (a lie).
Science totally has my back on debunking both of those things (more on that in a bit). Know what else does? A particular type of sex method that is becoming more popular by the day. One that just might convince you to, as they used to say back in the day, focus less on the “size of the wave” and ride out the “motion of the ocean” instead.
It’s called shallowing. Here’s what it’s all about.
What Is Shallowing?
GiphyIf there’s one thing that I wish folks would say more thoroughly when it comes to women and orgasms, it’s that when it comes to75 percent of women not being able to orgasm from only intercourse, the accurate statement is they struggle with achieving a vaginal orgasm without the assistance of some type of clitoral stimulation. Yeah, we’ve really got to remember that very few things in this life are a complete monolith — orgasms included (check out “U-Spot Orgasm, Fantasy Orgasm & 6 Other Orgasms You Should Try Tonight”).
In fact, it was while I was reading up on pairing — a word that is used for when clitoral stimulation transpires during penetration — that I decided to do some deep-diving into shallowing (because it was mentioned inone of the articles that I read).And what is it? Shallowing is when a penis, finger, tongue, or sex toy of some sort is used in order to ever so slightly penetrate the vaginal opening of a woman.
And why is shallowing not just a current sex trend but something that every woman on this planet should try? It’s because of what I’ve said, more than once, on this platform: it focuses on the most sensitive part of a woman’s vagina, which isthe first two inches of her vaginal opening.
When the emphasis is placed there, not only does it increase your chances of experiencing “the big O,” but it can also build up anticipation, which can intensify your orgasms too — yes, shallowing can also be seen as a form of edging.
Another thing that’s cool about shallowing is — and it really and truly can’t be said enough — something that makes vaginal and blended orgasms easier to achieve for some women really has little to do with the size of a man’s package or even his technique; it’s straight up anatomy. Yep, the closer that a woman’s clitoris is to her vaginal opening, the easier it is for a penis to stimulate both. So, science makes it possible for vaginal orgasms to be easier for some women than others.
At the same time, shallowing can make it possible for more women who want to see what a vaginal orgasm actually feels like (because it’s easier for the head of the penis to stimulate the opening of the vagina while the shaft can rub up against your clitoris; based on the position that you are in, of course — the missionary with some pillows propped under the lower part of your back is ideal for this).
Now that you see what shallowing actually is, do you get why I said that penis size doesn’t matter when it comes to doing it — and getting the kind of orgasms that you want? Contrary to popular belief, your vagina is only around four inches. In fact, some health experts say that it ranges between 2-4”. Anything larger, your body literally has to stretch out to accommodate; this includes penises and babies. So, if your vagina is “making room” for more than four inches, why in the world do you think you need a 10-inch man? Yeah…exactly. It really is time to get over the silliness. The average penis continues to be 5.5”. Makes sense when you take it all in (no pun intended).
Aight, so now that you know what shallowing is all about, let me try and hard sell you on why it’s a sex technique that you should try as soon as tonight (if you possibly can).
1. It takes the pressure off of you and your partner.
I’ve been working with couples for almost 20 years at this point. This means that the topic of sex comes up quite a bit. And if there’s one thing that continues to be an issue is inconsistent orgasms (check out “Why Do Orgasms So Often Seem Like A ‘Hit-Or-Miss’ Experience For Women?”).
Listen, no matter how many articles you read or sex positions you try, if you’re anxious, stressed out, or overthinking, it’s gonna get in the way of you experiencing high peaks of pleasure on a consistent basis. Since shallowing is something that can easily be done even in foreplay (via fingering and/ororal sex) if you get that first “release” off, that makes it easier to just sit back and enjoy the ones that (hopefully) are to follow.
2. It teaches you more about your vagina.
A part of the reason why I keep repeating certain facts about vaginas in these articles is that it’s amazing how little certain things are discussed en masse — like the size of the vaginal tube. And since shallowing helps you to stimulate the nerve endings at the entrance of your va-jay-jay along with your G-spot (which is housed a little ways from your opening), shallowing is a great way to explore that area of your body as you figure out what truly works for you and…what doesn’t.
3. It’s the perfect merging of foreplay and intercourse.
When you really stop to think about it, shallowing is like the bridge between foreplay and intercourse because you can use so many different things to do it. So, if you want to experiment with a new sex toy or you want a bit more time to “warm up the engine” before full-on penetration begins, shallowing is one of the most sexually arousing compromises there is.
4. It can help to increase your partner’s stamina.
A few years back, I penned an article for the site entitled, “We’ve Got Some All-Natural Ways To Increase Stamina & Sensitivity.” Listen, even though I onceread a GQ article that said that over 60 percent of the people they polled were fine with intercourse lasting no longer than 5-10 minutes — that poll doesn’t speak for all of us, chile.
So, if you would like your man to build up to going longer, shallowing can help to make that happen. Since he’s barely putting beyond the tip in, he can learn how to be in you for longer periods of time without being, well, in you.
5. It helps you to appreciate whatever “package” he has.
Again — and it really can’t be said enough — if shallowing is all about exploring the mere entrance of your vagina, you don’t need a man with BDE (check out “BDE: Please Let The 'It Needs To Be Huge' Myth Go”) or honestly, even anything close to it.
I mean, even though, reportedly, the size that the average woman says gives her the most orgasms is eight inches — I bet those women have never really tried shallowing before. 10”, 8”, or the average 5.5” can certainly get the job done. And well.
6. It feels A-MAZ-ING.
Okay,so now that you know about shallowing, I promise that if you put the word into your favorite search engine, you’re either gonna see articles on golfing (LOL) or sex, especially as of late. That’s because more couples are trying it out and getting mind-blowing results from it. So, if you’re looking for something new to try, give shallowing a shot.
Hey, anything that’s designed to stimulate your most intense vaginal nerve endings has got to be something for the record books. I mean, how could it not be? Lawd.
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Featured image by Juan Moyano/Getty Images