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Finance

It's always good to not only seek financial freedom, but to achieve it, and when you can make a few extra coins from the comfort of your own personal laptop or computer, that's even better. The options online might seem endless, but there are a few things to consider before pursuing a money-making venture or opportunity that is solely based online. It's telling that recent Pew Research Center findings show that 24% of Americans reported making money from a "digital platform economy." And by 2023, the projected gross volume of the digital-based gig economy is expected to hit more than $450 billion.

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Money Talks is an xoNecole series where we talk candidly to real women about how they spend money, their relationship with money, and how they spend it.

Samari Ijezie is the creator of The Female Economist, a platform created to challenge and disrupt the stereotypical gender norms within the financial industry while educating millennials of financial literacy. However, before founding this financial literacy company for women and marginalized millennials, she had a career in fashion and style as a model that started in her preteen years. Though she briefly kicked off her modeling career at the age of fourteen, it was short-lived because soon after high school, Ijezie decided to go off to college but later had to drop out during her freshman year due to not receiving financial assistance in the next term.

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Being an influencer started as a career that many didn't understand and some didn't respect. There were all kinds of questions and assumptions surrounding the industry like, "Don't they just take pictures?'' Or, "Can you really earn money from doing that?" But, oh how times have changed! Because babyyy, some of these influencers are bringing in dough! One of my personal favorites is JaLisa Vaughn-Jefferson, a Dallas-based lifestyle influencer and content creator who has taken the social media world by storm.

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When it comes to money, many of us are behind in ways to provide passive income strategies for our families. Particularly, something that many of us in the culture don't do enough of, is investing. It's simple, to the point, a way to make sure your family is comfortable without putting much effort into doing so.

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There's always talk about entrepreneurship and how it can be the key to making your financial dreams come true, but there often isn't as much talk about the sacrifices—especially those that hit your pockets hard—required to get a business off the ground, nevertheless keep it running. And maybe you've got a great idea, but when you're out there just trying to live a normal life, who can even think about taking money out of the I'm-barely-making-ends-meet account and putting it toward starting a business? Research even shows that one of the top reasons women don't start businesses is because of the startup costs required.

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Money Talks is an xoNecole series where we talk candidly to real women about how they spend money, their relationship with money, and how they get it.

As we are out here getting to these coins, I want to ask you all something really quick. If you could write down the first idea that pops into your head, how much is it worth to you? And I am not talking about how much money you THINK people would pay for your idea. But how much money do you honestly believe your idea is worth right now? I ask this because a lot of times, as creatives, when we are coming up with ideas, we struggle with being confident in knowing how valuable they are. Now, no idea is too big or too small. But, with so many possibilities in the world with how you make a statement, it can get a little cloudy with believing that your idea can stand out among the rest.

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