Dr. Lakisha Simmons, an author and single mother of two children, saved $750,000 in four years and is on the road to be a millionaire by the end of 2022. However, this wasn't always her reality. The Nashville, Tennessee resident once described herself as "house poor."
Growing up, Simmons followed the "American Dream" path until she realized it wasn't the dream it was sold to be. "I was doing all the things that you're taught you're supposed to do: Go to college, get a good job, a nice car, house, get married, and have kids," she told xoNecole.
But that path led her to hit rock bottom. After a divorce in 2016, her finances were being used to keep up with a lifestyle that no longer satisfied her and left her feeling depleted. "It was completely draining me," she said.
"My money was going into the house and utilities with $300 a month. The lawn care was $150 every two weeks. I'll never forget. I was in this huge house that was supposed to be a happy home, yet I was broken and cried my way into the new year in 2017."
After hitting rock bottom, she knew there was nowhere left to go but up. She started asking herself questions about her finances such as: What can I do to grow my money? What can I do to be financially independent?
After being honest with herself and researching, she discovered a solution that would change the trajectory of her life: the FIRE Movement, which is an acronym for Financial Independence Retire Early.
Courtesy of Lakisha Simmons
For adopters of the FIRE Movement lifestyle, the intention is to save and invest in extreme amounts over a short period of time with the goal being to retire early as a result. Lakisha explained:
"I focused on the idea of financial independence by saving up 25 times my annual living expenses and I will live off of 4% of that lump sum."
Simmons is now teaching people through courses and workbooks about her financial freedom journey and how the FIRE Movement put her on a path to becoming a millionaire.
"I've consistently invested 60% of my income and proceeds from my workbook to help women learn how to skills to make themselves more marketable in The Unlikely AchieveHer. Not having to 'work' to pay my bills and live a comfortable lifestyle is a stress-free way to live so it isn't difficult for me to cut back on some luxury items here and there in order to invest more money. I have more choices on how I spend my time and that's what life is all about," she added.
If you're ready to level up your finances in 2021 and expand your mind to what is financially possible for you, then here are the steps Simmons recommends.
1.Reduce Your Expenses
Courtesy of Lakisha Simmons
One of the first steps Simmons took was selling her home. Even though the appearance of it was nice, she knew she no longer needed it for where she wanted to go. This decision allowed her to save $12,600 a year, according to Business Insider. To slash your expenses, you should look at where your money is going line by line in your budget, and identify areas you can cut back on.
- Cut your grocery bills by considering Aldi (gluten-free, organic, and fresh produce options available).
- Cut your phone bill by switching to Mint Mobile - plans start at just $15 a month. Simmons says she's been a customer for years.
- Shop around for auto and home insurance every two years.
- Don't be afraid to downsize, don't be ashamed.
Ask yourself what you truly value, and determine the expenses holding you back that can go. No need to keep up with Joneses!
2.Invest. Invest. Invest.
Simmons highly encouraged women at any age to start investing. "It's not as scary as it seems," she said.
Adding, that a common fear she noticed was that people believed they would "lose all their money in the stock market." She explained that you should calculate your risk in the stock market and allow your money to sit, grow, and mature.
"We're going to plant a seed out of our 401k this year, and in five years, seven years, 10 years, that seed will be fully grown in blossom and harvest into a nice lump sum."
If your employer doesn't contribute to your 401k, she went on to explain what it's still important to contribute:
- Your contributions are tax-deferred which means you get to invest the money pretax. That actually allows you to save money that isn't taxed and lowers your taxable income on your paycheck.
- Compound interest is your friend. Over the years, the stock market's compound interest is working for you growing your money even if you stop contributing new funds.
3.Maximize Your Retirement Accounts
Courtesy of Lakisha Simmons
One of the main challenges Simmons sees among women is that they are not taking advantage of their tax-deferred retirement account at work.
"That's how I built most of my wealth," she said. She noted that she has a 457(b) through her employers. A 457(b) plan is an employer-sponsored, tax-favored retirement savings account. With 457(b) plans, you contribute pre-tax dollars, which won't be taxed until you withdraw the money.
"The benefit of the 457 is as soon as you leave that workplace, you can start accessing that money. So it's perfect for people in the FIRE Movement because I'm planning to retire early. I can go ahead and start using my 457 as soon as I decide."
One of the biggest challenges she had to overcome was her mindset and belief that she could do it. She encourages women to find community. Simmons offers a free Facebook group people can join and courses and coaching opportunities for people ready to dive in.
Looking back on her financial journey, she can't believe how far she's come, and if she could tell her younger self anything, it would be to be fearless.
"I would tell her to be fearless, set a stretch goal for yourself. Because anything that you put out in the atmosphere that you want, you can have it as long as you believe you can have it," she said.
For more of Lakisha, check out her website.
Featured image courtesy of Lakisha Simmons
Amber Riley Is In Her Element
Amber Riley has the type of laugh that sticks with you long after the raspy, rhythmic sounds have ceased. It punctuates her sentences sometimes, whether she’s giving a chuckle to denote the serious nature of something she just said or throwing her head back in rip-roarious laughter after a joke. She laughs as if she understands the fragility of each minute. She chooses laughter often with the understanding that future joy is not guaranteed.
Credit: Ally Green
The sound of her laughter is rivaled only by her singing voice, an emblem of the past and the future resilience of Black women stretched over a few octaves. On Fox’s Glee, her character Mercedes Jones was portrayed, perhaps unfairly, as the vocal duel to Rachel Berry (Lea Michele), offering rough, full-throated belts behind her co-star’s smooth, pristine vocals. Riley’s always been more than the singer who could deliver a finishing note, though.
Portraying Effie White, she displayed the dynamic emotions of a song such as “And I'm Telling You I'm Not Going” in Dreamgirls on London’s West End without buckling under the historic weight of her predecessors. With her instrument, John Mayer’s “Gravity” became a religious experience, a belted hymnal full of growls and churchy riffs. In her voice, Nicole Scherzinger once said she heard “the power of God.”
Credit: Ally Green
Riley’s voice has been a staple throughout pop culture for nearly 15 years now. Her tone has become so distinguishable that most viewers of Fox’s The Masked Singer recognized the multihyphenate even before it was revealed that she was Harp, the competition-winning, gold-masked figure with an actual harp strapped to her back.
Still, it wasn’t until recently that Riley began to feel like she’d found her voice. This sounds unbelievable. But she’s not referring to the one she uses on stage. She’s referencing the voice that speaks to who she is at her core. “Therapy kind of gave me the training to speak my mind,” the 37-year-old says. “It’s not something we’re taught, especially as Black women. I got so comfortable in [doing so], and I really want other people, especially Black women, to get more comfortable in that space.”
“Therapy kind of gave me the training to speak my mind. It’s not something we’re taught, especially as Black women."
If you ask Riley’s manager, Myisha Brooks, she’ll tell you the foundation of who the multihyphenate is hasn’t changed much since she was a kid growing up in Compton. “She is who she is from when I met her back when she was singing in the front of the church to back when she landed major roles in film and TV,” Brooks says. Time has allowed Riley to grow more comfortable, giving fans a more intimate glimpse into her life, including her mental health journey and the ins and outs of show business.
The actress/singer has been in therapy since 2019, although she suffered from depression and anxiety way before that. In a recent interview with Jason Lee, she recalls having suicidal ideation as a kid. By the time she started seeing a psychologist and taking antidepressants in her thirties, her body had become jittery, a physical reminder of the trauma stacked high inside her. “I was shaking in [my therapist’s] office,” she tells xoNecole. “My fight or flight was on such a high level. I was constantly in survival mode. My heart was beating fast all the time. All I did was sweat.”
There wasn’t just childhood trauma to account for. After auditioning for American Idol and being turned away by producers, Riley began working for Ikea and nearly missed her Glee audition because her car broke down on the highway while en route. Thankfully, Riley had been cast to play Mercedes Jones. American Idol had temporarily convinced her she wasn’t cut out for the entertainment industry, but this was validation that she was right where she belonged. Glee launched in 2009 with the promise of becoming Riley’s big break.
In some ways, it was. The show introduced Riley to millions of fans and catapulted her into major Hollywood circles. But in other ways, it became a reminder of the types of roles Black women, especially those who are plus-sized, are relegated to. Behind the scenes, Riley says she fought for her character "to have a voice" but eventually realized her efforts were useless. "It finally got to a point where I was like, this is not my moment. I'm not who they're choosing, and this is just going to have to be a job for me for now," she says. "And, that's okay because it pays my bills, I still get to be on television, I'm doing more than any other Black plus-sized women that I'm seeing right now on screen."
The actress can recognize now that she was navigating issues associated with trauma and low self-esteem at the time. She now knows that she's long had anxiety and depression and can recognize the ways in which she was triggered by how the cult-like following of the show conflicted with her individual, isolated experiences behind the scenes. But she was in her early '20s back then. She didn't yet have the language or the tools to process how she was feeling.
Riley says she eventually sought out medical intervention. "When you're in Hollywood, and you go to a doctor, they give you pills," she says, sharing a part of her story that she'd never revealed publicly before now. "[I was] on medication and developing a habit of medicating to numb, not understanding I was developing an addiction to something that's not fixing my problem. If anything, it's making it worse."
“[I was] on medication and developing a habit of medicating to numb, not understanding I was developing an addiction to something that’s not fixing my problem. If anything it’s making it worse.”
Credit: Ally Green
At one point, while in her dressing room on set, she rested her arm on a curling iron without realizing it. It wasn't until her makeup artist alerted her that she even realized her skin was burning. Once she noticed, she says she was "so zonked out on pills" that she barely reacted. Speaking today, she holds up her arm and motions towards a scar that remains from the incident. She sought help for her reliance on the pills, but it would still be years before she finally attended therapy.
This stress was only compounded by the trauma of growing up in poverty and the realities of being a "contract worker." "Imagine going from literally one week having to borrow a car to get to set to the next week being on a private jet to New York City," she says. After Glee ended, so did the rides on private planes. The fury of opportunities she expected to follow her appearance on the show failed to materialize. She wasn't even 30 yet, and she was already forced to consider if she'd hit her career peak.
. . .
We’re only four minutes into our Zoom call before Riley delivers her new adage to me. “My new mantra is ‘humility does not serve me.’ Humility does not serve Black women. The world works so hard to humble us anyway,” she says.
On this Thursday afternoon in April, the LA-based entertainer is seated inside her closet/dressing room wearing a cerulean blue tank top with matching shorts and eating hot wings. This current phase of healing hinges on balance. It’s about having discipline and consistency, but not at the risk of inflexibility. She was planning to head to the gym, for instance, but she’s still tired from the “exhausting” day before. Instead, she’s spent her day receiving a massage, eating some chicken wings, and planning to spend quality time with friends. “I’m not going to beat myself up for it. I’m not going to talk down to myself. I’m going to eat my chicken wings, and then tomorrow I’m [back] in the gym,” she says.
“My new mantra is ‘humility does not serve me.’ Humility does not serve Black women. The world works so hard to humble us anyway."
This is the balance with which she's been approaching much of her life these days. It's why she's worried less about whether or not people see her as someone who is humble. She'd rather be respected. "I think you should be a person that's easy to work with, but in the moments where I have to ruffle feathers and make waves, I'm not shying away from that anymore. You can do it in love, you don't have to be nasty about it, but I had to finally be comfortable with the fact that setting boundaries around my life – in whatever aspect, whether that's personal or business – people are not going to like it. Some people are not going to have nice things to say about you, and you gotta be okay with it," she says.
When Amber talks about the constant humbling of Black women in Hollywood, I think of the entertainers before her who have suffered from this. The brilliant, consistent, overqualified Black women who have spoken of having to fight for opportunities and fair pay. Aretha Franklin. Viola Davis. Tracee Ellis Ross. There's a long list of stars whose success hasn't mirrored their experiences behind the scenes.
Credit: Ally Green
If Black women outside of Hollywood are struggling to decrease the pay gap, so, too, are their wealthier, more famous peers.
Riley says there’s been progress in recent years, but only in small ways and for a limited group of people. “This business is exhausting. The goalpost is constantly moving, and sometimes it’s unfair,” she says. But, I have to say it’s the love that keeps you going.”
“There’s no way you can continue to be in this business and not love it, especially being a plus-sized Black woman,” she continues. “We’re still niche. We’re still not main characters.”
"There’s no way you can continue to be in this business and not love it, especially being a plus-sized Black woman. We’re still niche. We’re still not main characters.”
Last year, Riley starred alongside Raven Goodwin in the Lifetime thriller Single Black Female (a modern, diversified take on 1992’s Single White Female). It was more than a leading role for the actress, it also served as proof that someone who looks like her can front a successful project without it hinging on her identity. It showcased that the characters she portrays don’t “have to be about being a big girl. It can just be a regular story.”
Riley sees her work in music as an extension of her efforts to push past the rigid stereotypes in entertainment. Take her appearance on The Masked Singer, for instance. Riley said she decided to perform Mayer’s “Gravity” after being told she couldn’t sing it years earlier. “I wanted to do ‘Gravity’ on Glee. [I] was told no, because that’s not a song that Mercedes would do,” she says. “That was a full circle moment for me, doing that on that show and to hear what it is they had to say.”
As Scherzinger praised the “anointed” performance, a masked Riley began to cry, her chest heaving as she stood on stage, her eyes shielded from view. “You have to understand, I have really big names – casting directors, producers, show creators – that constantly tell me ‘I’m such a big fan. Your talent is unmatched.’ Hire me, then,” she says, reflecting on the moment.
Recently, she’s been in the studio working on original music, the follow-up to her independently-released debut EP, 2020’s Riley. The sequel to songs such as the anthemic “Big Girl Energy” and the reflective ballad “A Moment” on Riley, this new project hones in on the singer’s R&B roots with sensual grooves such as the tentatively titled “All Night.” “You said I wasn’t shit, turns out that I’m the shit. Then you called me a bitch, turns out that I’m that bitch. You said no one would want me, well you should call your homies,” she sings on the tentatively titled “Lately,” a cut about reflecting on a past relationship. From the forthcoming project, xoNecole received five potential tracks. Fans likely already know the strengths and contours of Riley’s vocals, but these new songs are her strongest, most confident offerings as an artist.
“I am so much more comfortable as a writer, and I know who I am as an artist now. I’m evolving as a human being, in general, so I’m way more vulnerable in my music. I’m way more willing to talk about whatever is on my mind. I don’t stop myself from saying what it is I want to say,” she says.
Credit: Ally Green
“Every era and alliteration of Amber, the baseline is ‘Big Girl Energy.’ That’s the name of her company,” her manager Brooks says, referencing the imprint through which Riley releases her music after getting out of a label deal several years ago. “It’s just what she stands for. She’s not just talking about size, it’s in all things. Whether it’s putting your big girl pants on and having to face a boardroom full of executives or sell yourself in front of a casting agent. It’s her trying to achieve the things she wants to do in life.”
Riley says she has big dreams beyond releasing this new music, too. She’d love to star in a rom-com with Winston Duke. She hasn't starred in a biopic yet, but she’d revel in the opportunity to portray Rosetta Tharpe on screen. She’s determined that her previous setbacks won’t stop her from dreaming big.
“I think one of my superpowers is resilience because, at the end of the day, I’m going to kick, scream, cry, cuss, be mad and disappointed, but I’m going to get up and risk having to deal with it all again. It’s worth it for the happy moments,” she says.
If Riley seems more comfortable and confident professionally, it’s because of the work she’s been doing in her personal life.
She’d previously spoken to xoNecole about becoming engaged to a man she discovered in a post on the site, but she called things off last year. For Valentine’s Day, she revealed her new boyfriend publicly. “I decided to post him on Valentine’s Day, partially because I was in the dog house. I got in trouble with him,” she says, half-joking before turning serious. “The breakup was never going to stop me from finding love. Or at least trying. I don’t owe anybody a happily ever after. People break up. It happens. When it was good, it was good. When it was bad, it was terrible, hunny. I had to get the fuck up out of there. You find happiness, and you enjoy it and work through it.”
Credit: Ally Green
"I don’t owe anybody a happily ever after. People break up. It happens. When it was good, it was good. When it was bad, it was terrible, hunny. I had to get the fuck up out of there. You find happiness and you enjoy it and work through it.”
With her ex, Riley was pretty outspoken about her relationship, even appearing in content for Netflix with him. This time around is different. She’s not hiding her boyfriend of eight months, but she’s more protective of him, especially because he’s a father and isn’t interested in becoming a public figure.
She’s traveling more, too. It’s a deliberate effort on her part to enjoy her money and reject the trauma she’s developed after experiencing poverty in her childhood. “I live in constant fear of being broke. I don’t think you ever don’t remember that trauma or move past that. Now I travel and I’m like, listen, if it goes, it goes. I’m not saying [to] be reckless, but I deserve to enjoy my hard work.”
After everything she’s been through, she certainly deserves to finally let loose a bit. “I have to have a life to live,” she says. “I’ve got to have a life worth fighting for.”
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What Is A 'Monogamy Agreement' And Should You Have One?
As a writer, I've gotta admit that it can get more and more challenging to tackle certain topics. Why? It's because I'm a pretty word-literal person. Yet, like a lot of people who I witness on a daily basis, who constantly move the goalposts in order to suit whatever whim they're on at any given moment, even the dictionary has a way of doing something similar when it comes to various words' definitions.
Take monogamy, for example. When I was growing up, it meant "married to one person for a lifetime." This meant that you couldn't be remarried and technically consider yourself monogamous (because you're not with the first person you said vows to). And you definitely couldn't be living with someone or in a long-term relationship and use the word. No, for you, something like "exclusive" would be more accurate (and that's actually the word that I lean into in those instances even now).
These days, though, the goalpost says that monogamy is "marriage with only one person at a time." So, while people who've had more than one spouse can now use the word, when it comes to what we're about to dive into today (a monogamy agreement), folks who are interested in those would still be far better off going with something like "exclusive" to drive their point home. That's because this topic doesn't really have anything to do with marriage…although it does approach commitment in an interesting kind of way.
Yeah, in a world that is ever finding ways to change marriage, redefine marriage or figure out how close they can get to marriage without actually getting married, monogamy agreements have entered the chat. And because we try to cover as many bases as possible, basically on the "FYI tip," I wanted to take a moment to break down what exactly they are.
Let’s Tackle Traditional Marriage First. For Clarity’s Sake.
I won't lie — even as someone who's been working with married couples for many years now, whenever I happen upon a healthy (first) and happy (second) married couple of more than a decade, I'm halfway in shock. That's because, these days, people seem to treat the sacredness of marriage like they would a dating relationship — they have a big party in the form of a wedding, pledge to God and everyone present that they're not going anywhere (Ecclesiastes 5:1-7) and that their love is patient (I Corinthians 13:4) and then, somewhere down the line, when things get rough, they end it…only to rinse and repeat.
Now when it comes to things like infidelity and abuse, that's not what I'm speaking of here. I'm talking about there are so many people acting like they are married before they actually are (a boyfriend or girlfriend is not a husband or wife) that by the time they do say "I do," they are numbed out to the fact that a marriage is supposed to be several steps up in seriousness and sacredness than a dating dynamic is.
I definitely could go on and on about how there is supposed to be a boatload of integrity behind the vows that are exchanged between two people. However, this article isn't about marriage — it's about monogamy agreements. What I will say about marriage, for now, is it's not just about if you love someone a lot. Ask any pastor, marriage counselor, or even lawyer worth their merit, and they will confirm the fact that marriage is a legal contract — that you are not just vowing sentiments and emotional promises. No, under the law of marriage, there are also certain rights and responsibilities that you are agreeing to as well. That's why people should go into marriage with a very sober and level-headed mind because they're a lot easier to get into than they are to get out of. No doubt about it.
Speaking of legalities, let's touch on marriage licenses for a moment, shall we? Because there is something about them that you actually may not know (that I absolutely think that you should).
So, What’s the Deal with Marriage Licenses and Marriage Certificates?
Although this really could get its own article, let me just say that marriage licenses definitely deserve some level of side-eye in this country. Even though history says that it started out as being a business contract in England, in America, the long short of it is racist politicians used marriage licenses as a way to keep track of interracial couples (you can read more about it here, here, and here). Yep. So, that's part of the reason why even some traditionally married couples are not super fond of marriage licenses — because, basically, the government is "regulating" the relationship on some level.
With that cleared up, just what is the difference between a marriage license and a marriage certificate? Good question. A marriage license is what allows you to get married in your state prior to saying "I do," while a marriage certificate is a document that proves you are married once your wedding ceremony is actually over.
Can you get a marriage certificate without a marriage license? The short answer would be "no," although couples who fall into the category of "common law marriage" sometimes are able to work around this based on what state they live in. For everyone else, getting married without a marriage license is basically a commitment ceremony. That's because, in order to get a marriage license or marriage certificate, your state's county clerk would have to issue you one.
Now, I ain't got no lies to tell you — go to YouTube, and you will see a good amount of videos (like this one here) stating that not only can you work around not getting a marriage license, you absolutely should. To that, I'll just say that one of the biggest problems with social media is everyone is a so-called expert now, even if they have no credentials to back it up. So with that in mind, if this section of the article has you tempted to go down a long rabbit hole (and I totally get it if it does), speak with some people who have actual and literal experience in the field in your state. Don't just go rogue with your own resolve (please don't let YouTube and TikTok hem you up).
Okay, So What Is This Whole Monogamy Agreement Thing About?
So, what does all of that have to do with a monogamy agreement? Well, in order to explain why some people are opting for it as an alternative to a marriage license (or marriage altogether), it was important to explain marriage licenses and certificates just so that you could clearly get what the differences are.
Now that you know, a monogamy agreement is pretty much just how it sounds: it's an agreement that is established between two people who want to have some form of a commitment to one another, yet they don't want all of the legalities that come with traditional marriage.
If you're trying to wrap your head around that, I'll explain it to you this way. You've probably heard someone say that they wish that the marriage contract could be renegotiated every few years. For instance, rather than being "locked into" until death parts us, every five years or so, they wish that they could revisit their marriage to see if they want to opt-out, change certain initial agreements, or restructure the marriage altogether. Well, for folks who are wired this way, a monogamy agreement is probably the best route for them to take because, again, although it's not a legally binding contract, it is a formal agreement between them and their partner about what each of their expectations is.
See it like an integrity agreement — no one is making assumptions about where things stand or where things are headed (hopefully); the monogamy agreement puts things in black and white so that it's all crystal clear.
And when I say "black and white," I literally mean just that. Again, although it's not a legal contract, it is a document that lays everything out so that there is no confusion. And what do I mean by "everything"? It's totally up to you and your partner, yet some of the things that people usually include are goals and values, sexual expectations, financial responsibilities, boundaries (both in and outside of the relationship), how infidelity is defined, ultimate goals for the relationship — and yes, when the agreement is up for renegotiation whether that's in a year, five years or 10.
Who Should Consider a Monogamy Agreement?
Now that you know more about what a monogamy agreement is, let's begin to land this plane with the people a monogamy agreement may be best suited for. While at the end of the day, the short answer is anyone who wants one, there's a specific reason why I decided to even broach this topic.
It's because, while it's not (yet) earth-shattering in either direction, marriage is somewhat on the decline as cohabitation is on the rise in this country. And while research continues to reveal that married couples are more satisfied with their relationship than folks who live together and many who do cohabitate, they see it as a stepping stone towards becoming spouses at some point, let's not act like millennials (and under) aren't a bit gun shy when it comes to saying "I do."
Reportedly, 56 percent of them are not married. For many women, it's because they are prioritizing their education and careers over marriage and a family. Also, some suffer from what is known as gamophobia (the technical term for having a fear of getting married), in part due to a pattern of failed relationships, being the child of divorce (divorce affects children more than a lot of people want to accept) and what getting divorced themselves could possibly cost them. Then there are those who just never wanted to get married…yet that doesn't mean that they don't believe in some form of commitment on some level.
For individuals who don't want to casually date or even just sit at the "boyfriend/girlfriend level" for years on end, monogamy agreements may be a solid fit. You can have your own version of a commitment ceremony (or not), knowing that you're not on one page regarding what your relationship is about while your partner is somewhere totally different. There's no confusion because you literally have documentation about where the two of you are.
Now, I will say this: no agreement works if two people's words are trash (LOL). Yet honestly, that can apply to traditional marriage or a monogamy agreement. I'm just putting you on to what a monogamy agreement is all about if you've been trying to figure out how to have a serious commitment without a legal contract.
No doubt about it, monogamy agreements are gaining some real traction out in these streets.
Something for the committed-yet-not-marriage-minded.
Interesting, right? Relationships always are, chile.
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