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How Jamisa McIvor-Bennett Built A $3.2 Million Real Estate Portfolio At 26
This is what financial freedom looks like. It looks like being completely debt-free, student loans and all. It's doing work that you love and not just settling for a steady paycheck at a job you hate, or maybe packing up the kids and taking them on trips to St.Thomas, Ocho Rios, or to the Discovery Children's Museum in Las Vegas. And in the case of Jamisa McIvor-Bennett, it also looks like a $3.2 million real estate portfolio with 21 properties— all paid for in cash with the exception of one home.
It all started with an unexpected question that would lead to a life-changing opportunity when a 19-year-old McIvor-Bennett, then a cashier at ShopRite Supermarket in Philadelphia, was approached by her grandmother. "She said, 'I just wanted to know what would happen to the house if something was to happen to me?' I said, 'Grandma I'm not really sure, I can find out.' She was like, 'No, I was just asking because, if something was to happen, I want you to take full responsibility for it. You're the most responsible one.'"
At the insistence of her grandmother, the pair did a quitclaim deed transfer, allowing her grandmother to transfer the property to McIvor-Bennett for $400 total once the dust settled. Over a year later, her grandmother passed away unexpectedly, and all hell broke loose as the family clamored to make claim to the home, unaware of the agreement between McIvor-Bennett and her grandmother. "We made a video because this is during the era of record everything, so I had what I needed in terms of a paper trail."
Courtesy of Jamisa McIvor-Bennett
With no knowledge about financial literacy or real estate, McIvor-Bennett got to work on researching her best options for turning a lemon into lemonade. She didn't have the funds to make the necessary repairs to the home, so she decided to sell the paid-off abode for $152,000 at the encouragement of a real estate agent. And thanks to advice from a real estate investor turned mentor, she used the profit to purchase her first home in cash for $400— a house that she still owns today and that's worth $330,000.
Gaining more knowledge and experience through mentorship and mistakes, McIvor-Bennett has since bought 21 properties worth $3.2 million in the Philadelphia area, affording her a lifestyle that at one point never seemed imaginable for the now-married mother of two. Seems impossible? Well, don't just take our word for it. The real estate mogul is spreading knowledge on the power of investing through her company Rosebud's Investments to those looking to get in the game. "I have so many people who are interested in real estate investment just by seeing my lifestyle change gradually," McIvor-Bennett says.
xoNecole chatted with the self-made millionaire for tips on tapping into lucrative deals and how to build generational wealth through real estate investing.
1.Learn From Others’ Mistakes
Courtesy of Jamisa McIvor-Bennett
"I learned so much from my mentor just through his mistakes. He gave me a lot of information, but he showed me a lot of stuff just because I was paying attention. He was a really big dreamer. He would get really good deals and run out of money. That's why he ended up selling me the properties he did out of desperation because he was locked into a deal and ran out of money to finish it and needed to close. So he was selling off what he had just to get their money to get through that next deal.
"The second time he did it, it ended up helping me because I was down to my last $50,000. And he was like, 'I need money.' So I'm like, 'All right, I'm going to give you the money to finish your deal, and you give me back the money in interest.' And he did. He gave me 25% interest on my return. But I learned a few things— don't get into these high ticket deals without a contingency fund. I was taking notes, which is why it took me so long. I didn't get any mortgages until literally the 13th of December [2019]. So all of these houses later, I was kind of scared because of what I watched him go through."
2.Don’t Overlook Ugly Houses
"The second house sold to me was for $6,500. It looks like a scary movie. I call it the Treehouse, literally, there was a tree growing inside. But I bought it because it was $6,500, and my mentor had purchased it for $2,500. Even though it was ugly, it was structurally sound. So it wasn't one of those things where I had to do anything to it. We put a new roof on it, boarded it up to winterize it, and made sure it was safe. We had to buy a vacant property permit for it. I didn't know what equity was, I was just buying time until I conjured up enough to figure out what I wanted to do at home, but it was worth a lot. Year two [of investing], I started to really get into markets and stuff like that. By year three, the house directly up the street had sold for almost $200,000, and it was smaller than mine. I didn't know it was going to end up being a good deal, but now I knew that buying a house for $6,500 was OK."
3.Check The Comps
"When you're in real estate, you do what's called comps, or comparable property. So if you ever want to know what your house is worth, you have to find something that's comparable to it. Then we look at the work that was done to it. Obviously, if I put a waterfall and elevator in my house, and you got a little patio and vinyl sliding, mine is going to be worth a little more. But this is how you compare the numbers and you look at what [the] dollar consistency [is] in that area. You look at the last three things that sold and you get the average."
4.Buy Cheap Properties At Auctions
"When you buy a house in an auction, you get the equity, but you don't get the debt. There are actually nice houses sometimes, especially foreclosures. Somebody went through the whole mortgage process and out of the 30 years they might've had a good 125 months and they can no longer pay the mortgage. You are getting all of that equity per penny on a dollar because somebody else fell on hard times, which is bad for them, it's very sad. But if they're losing it anyway, you just happen to be the one to purchase it.
"I had purchased my own property for $1,700, and what was really interesting about it was that when I purchased it, I didn't even have to buy it. I had the money. But when you are at an auction, you can't pay for it there. You have to actually finalize your paperwork elsewhere on another day. I had to put down a deposit. The deposit is either 10% or $600, whichever is the highest. After that you have 30 days to do one or two things, the first thing you can do is obviously pay the remaining balance. But the second thing that you can do is sell the property, which I thought was really cool. I ended up returning like two or three days later and then I decided to go back every single month because they had them every month. I still have the $1,700 property. Right now the comp in the area is like $175,000. It's a bad area, but it's coming up. So I will just wait."
5.Buy Properties With Positive Cash Flow
"For myself, I'm looking for positive cash flow. I'm an urban investor so I like to stay true to my roots. I think people spend a lot of time focusing on gentrification, and they are pushing us out. I got a home that's in the city right now that's worth $600,000, you can't tell me that I'm being pushed anywhere. I typically stick to urban properties and the overhead is way less. We usually have about 1,200 to 1,600 square feet, depending on if it's a corner house or not. So with that being said, it's only but so much work that needs to be done to a house of that size."
6.Decide If You Want To Flip Or Rent
"As an investor, I never went in with the intention to flip. I sold one or two during the course of time just because I needed some fast cash and because I'm living off of the rental income, so I was like, 'All right, let me free up something.' Then I would sell one and replace it with two more, but I wasn't really interested in the flipping aspect. Some people need a quick flip. I have children and I like freedom. To me, flipping is too much of a job. You do all this to make money to then do what? You have to do it again because once you get the money, you've got to spend it on something. I like the idea of buying a house and renting it out. Right now my portfolio total is $3.2 million, cash flow is a little under $50,000 a month."
7.Look For Hard Money Lenders
Courtesy of Jamisa McIvor-Bennett
"Hard money lending is a go-to for investors because it doesn't require tax returns and you don't need anything except a good deal because they're funding you based on how much the property is worth. You do need 10% of the money because they'll give you money to purchase and rehab it, but they don't give you the money to fix it up outright. So you have to actually put money into it and then they reimburse you. And when they reimburse you, you use the reimbursement money to keep going. When you are getting a regular loan from a bank, they need at least two years of consistent tax returns. With hard money lending, you decide how much the house is worth. So it's easier to get funding, but you have to pay more upfront and altogether because it's interest-only payments too.
"The benefit of it is [money] is accessible fairly quickly. But you got to do it right because the first couple of payments are interest-only payments, and then you still owe whatever you borrowed. So let's say you did $100,000— $50,000 to purchase and $50,000 to rehab, times it by 10% interest. You owe $10,000 additional on a loan, where a normal loan is usually around 3.5% percent or so. So now you divide that $10,000 by 12 months because usually the loan is between 12 to 13 months. You have to pay them $830 every single month. Then at the end of the loan, you still give them back their whole $100,000."
8.Cash Is Still King
"You definitely get more of a return when you leverage, but the moment that you get a mortgage you owe somebody else. The market goes up and down, and what can end up happening is if the market crashes like it did last time, the value of your property decreases, which is why it's good to be an owner. Let's say for instance you bought a property worth $100,000. A bank will give you up to 80% of what the property is worth. So at $100,000, they will give you the $80,000 to play with. Then the market crashes, now the $100,000 property is only worth $60,000.
"You borrowed $80,000, so now you owe $20,000 more than what it's even worth. Not to mention most people who are investing don't even live in their investment property, so they still maybe have a mortgage. Now, you're struggling to even pay what you owe. If you are a more financially stable person, you can move money around, and then investors do things called diversification, so they have different streams of income other than [real estate] investments. But it depends on what your risk tolerance is."
9.If You Don’t Have The Cash, Consider Wholesaling
"Wholesaling isn't hard at all. You find a seller and you find a buyer. The most involved part is having time. That's what people underestimate. If you don't have credit or money, you have to have time, because the hardest part of wholesaling is finding a seller. But it's definitely not difficult depending on the numbers. Let's say a friend came to you like, 'Listen, I've got this house, I'm over it. I want to sell it for $80,000.' You sign a contract. You don't actually have to have the money when you sign a contract because the contract says that if the original buyer can't secure funding or can't close, they have the right to assign it to somebody who can. You sign a contract agreeing to purchase it for $80,000. You know I buy houses. You call me like, 'Hey, I have a house for sale for $100,000,' and if the numbers make sense and it's worth what you're asking for, I buy it and you give her $80,000 and take the other $20,000."
10. Protect Your Primary Residence
"Every person's situation is different, but I'm not going to ever tell a person to outright start with debt unless they absolutely have to. Once you lock into a 30-year mortgage, you owe them, no matter what. If things go right, good. If things go bad— you lose your job or you break your foot — you owe [the bank], and this is your primary residence. You want to always make sure your home is safe. You should be in a situation where your assets protect your liabilities. Even if you live in a house and you're like, 'I love it, it's beautiful,' it's a liability. It doesn't do anything for you other than makes you happy when you see it. You live there so you're not getting any gains from it."
11. Consider Investing In Multi-Family Units
"The idea is you get a mortgage and you get a multi-unit as opposed to a single-family. A multi-unit can be a duplex or a triplex, or it can even be a quad, which is four units. You live in one unit, you rent out the other units, and what they pay covers what you owe. Now it's not so much of a hassle on you, and then at the end of the day, you are still building equity. So if you ever decide you want out, you can still pull the equity out of your house and then reinvest it into a single-family, or you can go on to a nicer house and a nicer place."
12. Change Your Mindset Towards Money
"Believe it or not, people in urban communities have a whole lot of money. You still got people like, 'I'm not ready to buy,' and I think they're just afraid. When it comes to these properties, these tenants, they spend money consistently. I've met people who've rented for years straight, never missing a day. How do you have the discipline to know that you have to pay a landlord, but you don't have equal discipline to pay yourself? How do you invest in somebody else's equity and tell yourself you're not good enough to do the same thing for yourself? And they do it time and time again."
13. Ignore The Naysayers
"I tell people, it's not what you do is how you do it. I see people posting like, 'It's not like she got it from the muscle.' I did. [My grandmother] didn't give me 20 houses at random, she gave me an opportunity and I made the best of it. I've read, 'Oh she sold her family's legacy for money.' No, I've created a legacy. There was none."
Jamisa McIvor-Bennett is the proud owner of Rosebud's Investments, which offers individualized services in investor processes, for both new and seasoned investors who are looking to enhance their knowledge and expertise, and helps provide a blueprint for purchasing property without using credit.
Featured image courtesy of Jamisa McIvor-Bennett
Originally published on March 2, 2020.
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Kiah McBride writes technical content by day and uses storytelling to pen real and raw personal development pieces on her blog Write On Kiah. Follow her on Instagram and Twitter at @writeonkiah.
This article is sponsored by Hulu.
UnPrisonedhas returned for its highly anticipated second season, delving deeper into the complex dynamics of the Alexander family.
The series premiere comes a year after its debut season garnered rave reviews from fans and critics and earned record-breaking ratings for Hulu's Onyx Collective brand. UnPrisoned's success can be attributed to its raw, relatable themes and comedic appeal.
Inspired by creator Tracy McMillan's life, the show follows Paige (Kerry Washington), a therapist and single mother whose life takes an unexpected turn when her father, Edwin (Delroy Lindo) --who was released from prison-- moves in with her and her teenage son, Finn (Faly Rakotohavana).
Throughout UnPrisoned's first season, viewers witnessed how Edwin's incarceration deeply affected Paige's life and relationships. In the series, Paige unpacks her trauma through interactions with her inner child and her online followers. Meanwhile, Edwin is overcoming specific struggles with his own past that led to his life of crime, including a dysfunctional upbringing and his mother's arrest. As the Alexanders attempt to reconcile, new challenges arise.
This new season promises to further explore their unconventional family dynamic. Here are several compelling reasons why season two of UnPrisoned should be on everyone's watchlist.
The Alexander Family Life Is Still In Shambles
UnPrisoned's second season resumes where the series left off, with Paige grappling with the fallout from her troubled therapy practice and Edwin navigating life independently after moving out. Meanwhile, Finn faces his own challenges. The teenager is battling anxiety and seeking information about his father—a topic Paige avoids discussing.
The Alexander Family Are Attending Therapy To Resolve Their Underlying Issues
Amid the chaos in their lives, the Alexander family decides to mend their bond by confronting their past traumas. They seek professional help and attend therapy sessions with a “family radical healing coach,” played by John Stamos, a new cast member. This collective effort aims to unravel the complexities of their shared history and strengthen their relationships.
The process of unraveling each character's internal conflicts and their potential impact on future relationships may clash with Paige's textbook therapy approach. While Paige is used to being in the therapist's seat in both career and family, this forces her into the unfamiliar role of a patient during therapy sessions. This shift would compel her to look in the mirror and try a radically different approach.
The Alexander Family Learned A Big Lesson During A Therapy Session
In therapy, the Alexanders are tasked with addressing their individual traumas to salvage their remaining relationships. One of the family therapist’s eccentric suggestions was an exercise involving a family wrestling match. During this session, Paige faces tough questions about her refusal to share information about Finn's father.
While it's unclear whether this scene is reality or fantasy, the image of the family duking it out in the ring certainly makes for hilarious yet compelling television.
Paige Tries Dating Again Following Failed Relationships
Amid her life's chaos, Paige decides to step back into the dating field. However, her many attempts have left her with mixed results. The dating apps have turned out to be a fail, and an outing with her ex Mal (Marque Richardson), who is also her father's parole officer, doesn’t go quite as expected after he brings an unexpected guest – his new girlfriend.
The situation takes an awkward turn when Mal's new partner learns why the former couple split, partly due to Paige's self-sabotage.
UnPrisoned Is A Perfect Balance Of Comedy And Drama
As a dramedy, UnPrisoned takes a comedic approach to its heavy subjects. The show takes us on a ride with Paige's dating misadventures and navigating a friendship with her ex.
Other lighthearted moments include Edwin's attempts at CPR based on online videos and, of course, the antics of the Alexander family's unconventional new healing coach.
The second season of UnPrisoned is now available on Hulu.
UnPrisoned | Season 2 Trailer | Hulu
Feature image courtesy
'Dear Black Girls': How A'ja Wilson Is Helping Black Girls Heal & Bloom With Confidence
In recent years, books written by Black women, such as Viola Davis, Michelle Obama, and Taraji P. Henson, have adorned our shelves and shown the great trials and tribulations one has had to endure to become the woman we see today. Though their narratives show great accomplishments, they explain in detail the price that had to be paid to achieve their monumental success. Often, this price came at the cost of having to endure unspeakable tragedy. The world was being carried on their shoulders and backs, and they had to learn to balance the weight of it all. Despite the odds, they managed to grow and become exceptionally talented women with limited support or, most of the time, alone.
However, in A'ja Wilson's recently published book, Dear Black Girls, this narrative is changing for the better. The memoir shows that WNBA superstar, and growing legend, A'ja Wilson isn't just a force to reckon with on the court, racking up championships, MVP awards, Olympic gold, and season-record-breaking accomplishments. Her impact transcends the game, reaching into the hearts of young Black women and girls, who like me might have once felt a pang of otherness for embracing their inner tomboy.
Wilson's recently published book offered a powerful remedy, a story that mirrored my own experiences and gently soothed the wounds of not always fitting in. This collection of honest stories is not just about Wilson's journey, it's also a book that holds the potential to heal and inspire countless other Black girls who deserve to see themselves reflected in the pages of a champion.
Although Wilson discusses the tribulations she had to overcome, she didn't have to do them alone and often had more than one support system installed to ensure her success. This book ultimately shows the beauty that grows when Black girls are raised with nourishment, intentionality, and understanding rather than the unrelenting grief and sadness that many believe are necessary to raise Black girls.
In Dear Black Girls: How to Be True to You, the two-time MVP shows us that love, rather than unending tragedy, can be the source of success for all Black girls--past, present, and future. Wilson also shows us how love can occasionally come from an unexpected source--a stranger who only has compassion, empathy, and understanding to offer.
Living While Black
There comes a point in time, in every Black girl's life, where they learn that they are not just a girl, but a Black girl. For me, it was on the playground of my elementary school, where a white girl--who I thought was my friend--called me the n-word when I refused to join her in a fight against a mutual friend. For A'ja Wilson, it was when her "friend" refused to invite her to her house for a sleepover, unless she slept outside. When asked why she had to be the only one to sleep outside, she was quickly informed it had been due to her race. Though her parents discussed it with her and explained why she and the young lady could no longer be friends, A'ja Wilson offers a relatable lens to express the grief of realizing one's otherness.
The year she discovered her Blackness meant a difference, Wilson felt alone and began isolating herself. It wasn't until she met a woman who worked in the cafeteria that she understood the importance of being seen by someone who looked like her. In Dear Black Girls, Wilson teaches the importance of representation and finding someone who "looks like you" and actively cares and checks in with you. Though the young readers of this book will most likely never meet Wilson, she provides her novel as a stand-in role model who actively sees how alone some Black girls feel in the world and tells them lovely: "I see you, I got you."
Finding Oneself
There is a certain power in discovering one's "why." In Dear Black Girls, Wilson explains that in order to find oneself or one's reasons for doing things, it might be important to look to your elders. The ones that could make you believe in yourself. For Wilson, it was her grandmother. Her grandmother was her place of solace and the person she felt closest to. Before she picked up the game of basketball, A'ja's grandmother believed she was special and would achieve so many things in life.
Through this belief, she nurtured Wilson and taught her to believe in the good that everyone had to possess. She taught Wilson that Black women could be heroes, and knew how to "walk the walk" and "talk the talk." She taught Wilson, and in turn, Wilson has taught Black girls, that finding oneself can be done at the hands of the ones that we love. And that if one's love is strong enough, we can "freeze it, and preserve that safe space forever."
It's Okay to Be Different
In school, Wilson was considered a "slow learner." Diagnosed with dyslexia at the late age of 16, she believed she had not been as "smart" as the other kids. Wilson would freeze up in class, and despite loving to write narratives and the school itself, she found she did not catch on with her peers as quickly as she liked. She spent hours on end stressing about being different, so much so, that at times the thought of her otherness became debilitating and all-consuming. With her family and in her solitude, she understood who she was. However, among her friends and in class, she found that she didn't know who she was, nor who they wanted her to be.
From this, she taught Black girls that being a teen is stressful enough, so being oneself should be easily embraced. Though, she admits to not knowing the right thing to say, do, or act, and therefore is unable to give us "cheat codes," the best thing a young Black girl can do, is just be.
Find Your Gardener
I often say that Black women have learned to grow without nourishment. So, in reading Dear Black Girl, it was a refreshing change of pace to read that Wilson had been adorned with love, guidance, honesty, and protection by strong support systems in her life. One of those support systems was Wilson's father. Her father taught her many things in life, but one that was most essential was the importance of perseverance and overcoming mediocrity. See, despite being the best in her career, Wilson and basketball did not mesh well from the start. Instead, she had been known to try many things and was lackluster at best.
Nevertheless, when Wilson was told that she did not play well by her father--after asking why she wasn't getting any playing time--she finally learned to overcome her challenges.
Not because she suddenly practiced more, or believed she could do anything with time. She became better because her father gave her the option to walk away from the sport. He allowed her to be scared, to be unsure of what she wanted in life, and freed her of the stress of absolutes. Through encouragement, he became her gardener--always trying to bring out the best in her through "easy" and "tough" love. In Dear BlackGirls, Wilson encourages Black girls to find their "gardeners," the people in their lives who bring out the best in them, drive them crazy and are never afraid to tell them how it is. The person that pulls out all of the weeds and negativity, and leaves enough space for you to receive sunlight and bloom.
Gaining a Nonsense Detector
While finding a gardener, Wilson also encourages Black girls to find or gain a "nonsense detector." A nonsense detector is just as it sounds, someone who can detect the nonsense that the world is attempting to bring to them and help them identify what it truly is. They are the person who is willing to approach a spade and call it by its name. In Wilson's life, this was her mother. A'ja's mom encouraged her to think logically about her education and its relationship to her basketball career.
She was the person Wilson called when she learned to drive in a new state or deal with the stress of her newfound career. Through her mother's encouragement, she learned not to chase after boys or some concept of a new sense of self, instead, she learned to make decisions with her best interest in mind. In doing so, she chose family, which meant more time with her grandmother, which she would not have had if she hadn't learned to listen to something that encourages no-nonsense.
Grief Has No Timeline, Knows No Bounds
In 2017, during her junior year of college, A'ja Wilson was known as one of the best players in the NCAA. After two seasons of coming up short of winning a national title, she had finally accomplished her goal of winning with Dawn Staley's South Caroline Gamecocks. However, the win was bittersweet, because the champ had been grieving the loss of her grandmother, one of her biggest support systems.
During this time, Wilson discovered that grief could not be neatly packed away in a box, waiting to be unraveled when she had prepared to deal with it. She noted that it was an unending rollercoaster where lows felt all-consuming and endless.
In Dear Black Girls, Wilson discusses the importance of experiencing grief at its pace, and on your own timeline. She explains to young Black girls that the feeling of despair and paralysis is normal and that instead of trying to climb out of the sadness, sometimes it is beneficial to wade through it, with the people you care about. Not only this, she encourages Black girls to embrace support that may be considered unexpected, through a beautiful anecdote involving Dawn Staley.
The champ mentioned the coach drove down to her house, upon hearing about the death of her grandmother, and sat in silence with the athlete as she cried. She informed her that she could take all of the time that she needed and that the "team would be waiting for her when she was ready to return."
You Don't Know What You Don't Know
The issue that many people hold today is they expect to be perfect. Though we know perfection is merely a concept, and the only thing perfect about perfection is the word itself, many dwell on being perfect and having the foresight to ensure it is so. When perfection is inevitably unattainable, we punish ourselves for not knowing better or being fallible. Nevertheless, dwelling on things, especially in relation to being perfect, is nothing more than wasted energy.
In Dear Black Girls, Wilson--through a humorous anecdote of her WNBA drafting day--points out that everyone makes mistakes and that many should not be ashamed for not knowing what they hadn't known before. Instead, beauty lies in learning and giving oneself credit for the knowledge that you now have for navigating future situations. Instead of beating yourself up, Wilson tells young Black girls there is no point in beating themselves up and to allow grace in moments of uncertainty and error.
Protect and Nurture Your Mental Health
The idea of seeking therapy is often a hurdle for Black women. With societal expectations and generational aversions, the concept of the "strong Black woman" often overpowers the necessary, and sometimes dire assistance Black women should seek. In Dear Black Girls, A'ja Wilson points out that most Black women are the first, or one of few, in their families to accomplish significant achievements, such as going to college, getting a corporate job, or making a high-figured salary.
This results in pressure that cannot be seen as relatable by family members, and often results in anxiety disorders, growing, unrelenting pressure, and crippling stress. To solve this, Wilson encourages Black girls to seek help outside of themselves and their friends, to ensure they are not taking on the weight of the world, simply because it was placed on their shoulders. Black women need someone to talk to, especially when it has been ingrained since birth that we should nurture and care for everyone but ourselves. By seeking a therapist, this narrative can change, and the idea of being a "strong Black woman" can come from the idea of learning to be vulnerable and asking for help.
Be Your Own Hero
It is heroic to take control of your own life. Being your own hero gives you confidence and reassurance to face obstacles directly, to follow your passion, and to define success how you see fit. It can be powerful and gratifying to become the best version of yourself and to allow yourself to be. In Dear Black Girls, Wilson teaches Black girls their final lesson, "If you can see them [your heroes], then you can be them." Many Black girls do not seek certain positions in life because they have never seen people who look like them in certain positions.
Nevertheless, Wilson explains the importance of having and seeking out representation, either in life or in media. Then, she encourages young girls to pursue that life they dream of, because anything is attainable with hard effort and--most importantly--love.
Check out A'ja Wilson and the 2024 Paris Women's Basketball Olympic team from July 26 through August 11.
xoNecole's I Read It So You Don't Have To is a recurring series of self-discovery that breaks down self-help books into a toolkit of takeaways and tips that are meant to assist you in finding the best life you can live. Take what works for you, and leave everything else where it is.
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