

An Expert Gives 3 Crucial Tips For Building Wealth In The Black Community
Growing up, I didn't even really know what the word "wealth" truly meant. I never heard about it in a sense that applied to my family. All I knew was that we were real fly and I had all of my needs met, but lowkey, we were living paycheck to paycheck. All of the people around me were living the same way as well. It never dawned on me as to why things were the way that they were in my community until I got a bit older. It saddened me deeply to know that "MONEY IS POWER." And we had NONE.
Especially here in the U.S., that saying couldn't be more true.
Unfortunately, African Americans have always been behind in the wealth and power game. "It's time for the black community to start making asset collection and wealth building a top priority," says Lawrence Watkins, President of The Black Business School. Having wealth provides opportunities that the black community as a whole have not been afforded to for years and years and that's a major problem. That's why we need more resources like The Black Business School. Through teaching on all things wealth building and entrepreneurship, one of their main goals is to create one billion dollars of black wealth over the next 10 years.
I wish that my parents had the opportunity to get a piece of the pie early on, but the great thing about becoming financially literate and building wealth is that it's never too late to get started. I'm currently focused on being the cycle breaker in my family so that the legacy I leave behind goes beyond just my children.
Here's a few tips from Watkins that will put you on the road to taking control and creating economic power.
Redefine the concept of income.
We've been told all of our lives to go to college and then get a good job in corporate America, thinking that there's security in those jobs. But the reality here is this, job security is very slim these days and you could lose everything in the blink of an eye. That's why it's important to think of yourself as an entrepreneur. "We're all entrepreneurs whether you're working for a corporation or have your own company; the only difference is the number of clients you have," says Watkins.
With this mindset, you have to start looking at your paycheck a bit differently. Watkins explains that we have been tricked by corporate America and that what they call income is actually revenue. Start looking at your paycheck as personal revenue and then what you have left over after paying all of your expenses is your actual income. Once you know how much income there is, you then have to manage your budget as a profit and loss statement and determine how much you're spending and where.
If your revenue is more than your expenses, then you need to determine how much of that money that's leftover will go to savings and investments. If your revenue does not cover all of your expenses/savings goals, then you need to figure out where you can trim the fat. Additionally, it's imperative to diversify your revenue/income streams to reduce financial risks.
Stop thinking/operating like a consumer.
You have to make sure that you don't continue to fall into the trap of spending, spending, spending and not having anything to show for it. "Historically, African Americans have been a nation within a nation of consumers. Our community consumes Nike, we consume Pepsi, we consume Ford, we consume Mercedes...we consume all these different things but we aren't necessarily responsible for the producing of these things," says Watkins.
You have to stop thinking about the here and now and think big. Start thinking about the consequences that come as a result of your spending habits and make better financial decisions for your future. In order to become more aware of what you're spending your money on, Watkins suggests that you write down all of your spending and then go back to see where those things that aren't producing value or contributing to your long term financial goals, and cut those things out of your life.
Start investing.
Putting money away and making it work for you is major key when it comes to building wealth. Once you get a grip on what you're consuming, it's important that you use what you have in excess to save and invest into productive assets that are going to build wealth for you and and future generations. Two apps that Watkins recommend you get started with are Betterment and Robinhood. These apps are designed for you to put your investments into stocks and bonds on autopilot. You can determine the specific amount that you want to invest and the frequency that the money is deducted from your account.
For people who get a little intimidated by investing in stocks like me, another micro-investing opportunity is with the popular app Acorns. It takes your spare change from a linked bank account by rounding up your transactions and invests it according to the percentage and the kind of profile you select. You receive $5 during sign up when opening an account and pay $1 a month for the service. The great thing about these apps is that you invest without even feeling it.
The main part to remember is this: "Act like that money doesn't exist," and get into the habit of investing consistently.
You should start with investing at least 10% of your income or, if that's not feasible, start lower and work your way up. "It's the bottleneck that is keeping us from attaining our other goals that we may have as a community. We see these shootings by police, we see that our communities aren't necessarily in environments that we'd wanna raise our kids in...many of these problems can be solved by the creation of wealth within our communities. The most important thing for African Americans of this generation is to remove that bottleneck and push forward on wealth building so that we create stronger and more cohesive communities," he says.
Wealth building starts by simply deciding that you want more out of your life and the legacy that you want to leave behind. Once your mind is made up, your actions will start to follow!
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Kristin Sutton (aka the Money Therapist) is a personal finance and lifestyle blogger/coach over at DebtFreeBlackGirl.com that empowers young women to take control of their finances by changing the way they think about money. As a licensed therapist, her daily mission is to uncover and eliminate the mental roadblocks that hinder people from living the life of their dreams. You can find her on all things social: @DebtFreeBlkGrl
Smile, Sis! These Five Improvements Can Upgrade Your Oral Hygiene Instantly
This article is in partnership with Sensodyne.
Our teeth are connected to so many things - our nutrition, our confidence, and our overall mood. We often take for granted how important healthy teeth are, until issues like tooth sensitivity or gum recession come to remind us. Like most things related to our bodies, prevention is the best medicine. Here are five things you can do immediately to improve your oral hygiene, prevent tooth sensitivity, and avoid dental issues down the road.
1) Go Easy On the Rough Brushing: Brushing your teeth is and always will be priority number one in the oral hygiene department. No surprises there! However, there is such a thing as applying too much pressure when brushing…and that can lead to problems over time. Use a toothbrush with soft bristles and brush in smooth, circular motions. It may seem counterintuitive, but a gentle approach to brushing is the most effective way to clean those pearly whites without wearing away enamel and exposing sensitive areas of the teeth.
2) Use A Desensitizing Toothpaste: As everyone knows, mouth pain can be highly uncomfortable; but tooth sensitivity is a whole different beast. Hot weather favorites like ice cream and popsicles have the ability to trigger tooth sensitivity, which might make you want to stay away from icy foods altogether. But as always, prevention is the best medicine here. Switching to a toothpaste like Sensodyne’s Sensitivity & Gum toothpaste specifically designed for sensitive teeth will help build a protective layer over sensitive areas of the tooth. Over time, those sharp sensations that occur with extremely cold foods will subside, and you’ll be back to treating yourself to your icy faves like this one!
3) Floss, Rinse, Brush. (And In That Order!): Have you ever heard the saying, “It’s not what you do, but how you do it”? Well, the same thing applies to taking care of your teeth. Even if you are flossing and brushing religiously, you could be missing out on some of the benefits simply because you aren’t doing so in the right order. Flossing is best to do before brushing because it removes food particles and plaque from places your toothbrush can’t reach. After a proper flossing sesh, it is important to rinse out your mouth with water after. Finally, you can whip out your toothbrush and get to brushing. Though many of us commonly rinse with water after brushing to remove excess toothpaste, it may not be the best thing for our teeth. That’s because fluoride, the active ingredient in toothpaste that protects your enamel, works best when it gets to sit on the teeth and continue working its magic. Rinsing with water after brushing doesn’t let the toothpaste go to work like it really can. Changing up your order may take some getting used to, but over time, you’ll see the difference.
4) Stay Hydrated: Upping your water supply is a no-fail way to level up your health overall, and your teeth are no exception to this rule. Drinking water not only helps maintain a healthy pH balance in your mouth, but it also washes away residue and acids that can cause enamel erosion. It also helps you steer clear of dry mouth, which is a gateway to bad breath. And who needs that?
5) Show Your Gums Some Love: When it comes to improving your smile, you may be laser-focused on getting your teeth whiter, straighter, and overall healthier. Rightfully so, as these are all attributes of a megawatt smile; but you certainly don’t want to leave gum health out of the equation. If you neglect your gums, you’ll start to notice the effects of plaque buildup, which can irritate the gums and cause gingivitis, the earliest stage of gum disease. Seeing blood while brushing and flossing is a tell-tale sign that your gums are suffering. You may also experience gum recession — a condition where the gum tissue surrounding your teeth pulls back, exposing more of your tooth. Brushing at least twice a day with a gum-protecting toothpaste like Sensodyne Sensitivity and Gum, coupled with regular dentist visits, will keep your gums shining as bright as those pearly whites.
Jodie Turner-Smith Files For Divorce From Joshua Jackson After Nearly 4 Years Of Marriage
2023 has become the year of celebrity breakups with headlines breaking left and right about celebs filing for divorce or ending high-profile relationships. The latest couple to announce their dissolution? British actress Jodie Turner-Smith. TMZ reported that Jodie has filed for a divorce from her husband, Dawson Creek alum Joshua Jackson.
As far as her reason for calling it quits, Jodie cited "irreconcilable differences," according to TMZ, and has requested joint custody of the couple's daughter, Juno Rose Diana Jackson. Late last year there were rumblings of there being "trouble in paradise" for the couple after the media realized they were no longer following each other on Instagram.
Those rumors were more than laid to rest when Jodie and Joshua went to the 2023 Oscars together earlier this year, and even more recently, when they celebrated her birthday together last month during the September unveiling of the Lotus Emeya.
Jodie Turner-Smith celebrates her birthday with husband Joshua Jackson at the unveiling of the new fully-electric Lotus Emeya on September 07, 2023 in New York City.
Brian Ach/Getty Images for Lotus
Despite seeming particularly happy and in love, perhaps the writing was already written on the wall even then. In the past, Jodie has been very celebratory publicly about her love for her estranged husband, even boldly recounting their love story for the books in a 2021 interview with Seth Meyers.
When Jodie and Joshua met, it was while at his birthday party in 2018. Their relationship was hot and heavy from the start, with Jodie openly noting that they began as a "one-night stand." During her 2021 interview with Seth Meyers, she jokingly referred to their love story as a "three-year one-night stand." She shared:
"First of all, I saw him before he saw me and when I saw him, I was like, 'I want that.' And then when he saw me, I just pretended like I didn't see him. He had to yell across the room to me, and I was wearing this T-shirt from a movie called Sorry to Bother You and [actress] Tessa Thompson plays a character called Detroit, and she has this T-shirt that says, 'The Future Is Female Ejaculation.'
"And so, he shouts across the room, 'Detroit!' He comes over and… does this really cute, charming thing that he does and just all night -- he just basically followed me around the party."
The couple were together from that moment forth, and even made things "Instagram official" less than two weeks later while on a dinner date. Joshua would later clarify to Insider that the night they met in 2018 was not a 'one-night stand' or a 'three-year one-night stand' like his then-wife joked but instead, it was "technically a three-night stand."
"It was sealed with a kiss that night and then we didn't leave each other's sides for, well, three years now," Joshua continued at the time.
In a July 2021 interview with Jimmy Fallon, Joshua dropped more details about the why behind getting married. He revealed that he didn't know he wanted to get married to Jodie until "the moment she asked me."
"She asked me on New Year's Eve. We were in Nicaragua. It was very beautiful, incredibly romantic, we were walking down the beach and she asked me to marry her."
He added, "I did not know [she would propose], but she was quite adamant and she was right. This is the best choice I ever made."
Joshua Jackson Reveals Jodie Turner-Smith Proposed To Him
Jodie received quite a bit of flack for proposing to Joshua because it goes against tradition and what society sees as acceptable for a woman to do to a man, and proposing isn't one of them. No matter how much time has passed, the viewpoints around who should do the proposing and who should be proposed to are still very traditional.
After being on the receiving end of such backlash, Joshua would later clarify to the media in a separate interview that it wasn't just Jodie's proposal to him that sealed the deal of them getting married, he proposed to her too. She might have initiated it, but Joshua followed through.
"I accidentally threw my wife under the bus because that story was told quickly and it didn't give the full context and holy Jesus, the internet is racist and misogynist," he explained to Refinery29 that same year. "We were in Nicaragua on a beautiful moonlit night, it could not possibly have been more romantic."
David M. Benett/Dave Benett/Getty Images
He continued, "And yes, my wife did propose to me and yes, I did say yes, but what I didn't say in that interview was there was a caveat, which is that I'm still old school enough that I said, 'This is a yes, but you have to give me the opportunity [to do it too].'"
"She has a biological father and a stepdad, who's the man who raised her. [I said], 'You have to give me the opportunity to ask both of those men for your hand in marriage.' And then, 'I would like the opportunity to re-propose to you and do it the old-fashioned way down on bended knee.' So, that's actually how the story ended up."
Joshua and Jodie would eventually marry in December 2019. Shortly thereafter, Jodie gave birth to the couple's first child, Janie, in 2020.
In a recent interview with Elle UK, Jodie shared the ways becoming a mother to Juno helped to heal her of her wounds from colorism she experienced in the past. "It's interesting because I had a lot of resistance to becoming a mother and, throughout my life, I always said if I were to have children, I wanted to have Black, Black babies so that I could affirm them as children with the love that I felt I needed to have been affirmed with by the outside world," Jodie shared with the outlet.
She continued, "Then I fell in love with my husband and we talked about having kids. I did have this mini pause, where I was like, 'She's going to be walking through the world not only having an experience that I did not have, but looking like people that, in a way, I'd always felt a little bit tormented by.' Now that I've got this little, tiny, light-skinned boss, I feel like it’s the universe teaching me lessons. I've been given a daughter who looks this way to heal my own conversations around colorism."
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Featured image by Amy Sussman/Getty Images