

The Faith-Guided Money Mantra This 27-Year-Old Forex Investor & Coach Swears By
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.
Lately, there's been a lot of chatter around Forex and cryptocurrency, but do we really know what it is or how to use it? Thankfully, Umanagement Public Relations' lead publicist Milan Mobley is a business coach, Forex trader, and investor willing to dispel any myths about the system for us. Though the D.C. native is well-known for her work as a full-time entertainment and corporate publicist, she has developed a passion for teaching millennials how to build generational wealth and deeper understanding of multiple streams of income. "I entered the Forex market almost three months ago, my girlfriend Che` introduced me to it. She's been in this space for a few years now. She ended up taking a break to focus on her career full-time, but she never lost touch," she told xoNecole.
During the pandemic, Milan's business slowed down and she began to fall into a depression due to the unexpected pivot of her business thanks to COVID-19. From there, her friend began to show her the ropes and through following by example, Milan is now developing a steady cash flow and effortlessly recouping from any financial loss she may have suffered. "Now I am still growing to be a master of the art but it is a skill that I am forever grateful for. It changed my life when life was changing the most."
Courtesy of Milan Mobley
Now with a current ranking of P1000, meaning she's been able to mentor and educate over 31 new investors, Milan is able to pay the education forward by passing along any and all information that was once given to her by her partner Che. "I made this choice based on Che`. Her mentorship and guidance made me the trader I am today, and allowed me to be educated in a space I was unfamiliar with. Becoming an IBO, I've been able to educate others on the Foreign Exchange Market who were in the same space of wanting to build generational wealth, needing an additional stream, and wanting money working for them. I do not have the conversations of becoming an IBO (independent business owner) with my mentees until I see they are being successful in the FX market."
In this installment of "Money Talks", xoNecole spoke with the Atlanta, Georgia resident on being a "Frugal Fran" when it comes to spending habits, her worst money decision, and why she believes most people think Forex trading is a scam. Check it out below!
On myth-busting Forex and why most people believe it’s a scam:
"People believe it is a pyramid scheme because they are uneducated of what the difference is between Forex and the iMarkets Academy. The Academy is the number one educational platform/software for Forex Traders. This platform was designed to assist traders in their learning about the market, learning how to trade, software and strategies to assist in developing signal points for profitable trading and a special chart known as the Harmonic scanner. All of this is to help you earn while you learn. In an illegal pyramid scheme––or scam as we like to call it––there is no way for anyone who is under the head honcho to profit as much as that one person or to exceed them. Forex trading is a skill and trait you obtain and become successful with, on your own with the proper teachings."
On what being a trader and investor has taught her about her business and personal financial habits:
"It taught me how to capitalize financially. When you first start trading, not everyone has thousands to invest. In trading, you commonly use the word 'compounding', meaning you take what you invest and you build your account over time. For example, Che' and I encourage our Mentees who are afraid of the process or have lower capital to invest $50 but only trade with $20 and build your account slowly. With those teachings, our mentees have taken $20 and turned it into $95.00 in a day. We also tell them to focus on growing your account by 10% daily.
"All in all, teaching them has taught me to focus on compounding my personal finances and act always as if I have the lowest capital possible. Using money management on your investment amount will take you further as long as you are patient and not looking to get rich overnight. Rome wasn't built in a day and neither is wealth. In the business aspect, there's a strategy and system known as S&S for everything. Based on the S&S you select/determine, your journey in business or trading can be either very simple and profitable or it can be complicated and a struggle."
"Using money management on your investment amount will take you further as long as you are patient and not looking to get rich overnight. Rome wasn't built in a day and neither is wealth."
On questions she wished people would stop asking her about Forex:
"'How early can you actually start seeing profit coming in for yourself?' And, 'How much have you made?' It's a common question and I get it. However, that is like asking a fitness trainer, 'How soon am I going to see results?' The answer a trainer would give is the same answer I give. Everyone is different, no one person is the same. How early you start seeing profit and how much profit you see is how much effort you put forth to see results."
On how much she makes per year and her savings habits:
"It is very hard for me to say how much I make a year or a month honestly, being an entrepreneur that fluctuates so much––last year after the dreading amount of taxes, I made over $90,000. Normally, I don't share numbers in my finances since I am so private but I am comfortable to share that because that was my most profitable year in business. I try to save at least $2,000 to $3,000, that way it can be split between my business and added to my personal account. I have both my high-yield savings account through Marcus by Goldman Sachs and my Roth IRA is through my long-time bank Navy Federal."
On her definitions of wealth and success:
"Health is wealth and having much abundance in your life through happiness and prosperity brings great success. Wealth to me is being able to live the way I choose to––not working countless hours and working about how much I've made or haven't made or what's to happen next. Living the kind of life that makes you happy and fulfilled. Success is truly being open-minded and opening yourself to a new level of life that challenges you to grow and develop mentally, spiritually, and professionally forever."
Courtesy of Milan Mobley
"Wealth to me is being able to live the way I choose to––not working countless hours and working about how much I've made or haven't made or what's to happen next. Living the kind of life that makes you happy and fulfilled."
On the lowest she’s ever felt when it came to her finances and how she overcame it:
"The end of last year and the start of this year was the lowest I've felt – I was tapping in and having to drain my savings and not being able to replenish it for a while due to the decline in business from COVID-19. As stated previously, I was depressed from being in this unfamiliar state. I wasn't sure which way to turn for a while. Then I started focusing more on S&S and developing residual streams and being open to learning new skills. I could have counted myself out but a big part of my system was letting go and letting God. I started doing what I could and allowing Him to do the rest."
On her biggest splurge to date:
"I have never been a 'splurger'. My friends will tell you I am very financially responsible. I don't purchase much designer, I don't shop much, I don't spend money unnecessarily. I don't spend money that I can't spend two times over. HOWEVER, I did 'treat myself' last September for my birthday and that's because I didn't go out of the country or on a trip like I normally do. So I showered myself with the Louis Vuitton boots, red bottoms, one of the top suites at the W and a private chef all weekend. I can say that was a properly planned splurge I had prepared for that moment. It's OK to 'splurge' as long as you've properly planned for it."
On whether she’s a spender or a saver:
"I am Frugal Fran––I am very much a saver. It wasn't training, I just looked at my environment and listened to mistakes others made and used that as my guide to not repeat the same steps."
On her savings goals and what retirement looks like to her:
"I make contributions to my Roth, to my 401k, business and personal savings, Digit (the savings app I use it takes money from your account daily without a notification), I want each to represent and hold six- to seven-figures in them. Retirement to me looks like never having to work again, fully enjoying life, my family, and all that it has to offer, without the worry of making money. Also, retiring in my early 40's late 30's, not the time that has been placed on us. If I can retire before my desired time frame, that is even better!"
On the importance of investing:
"It is very important to invest in my opinion––you don't become wealthy by having zero investments. The goal is to be wealthy and have a strong net worth, not to be rich. I invest in, of course, my trading, but I also have stock investments, life insurance investments, and plans to invest in property and other assets in the upcoming years."
Courtesy of Milan Mobley
"I make contributions to my Roth, to my 401k, business and personal savings, Digit, I want each to represent and hold six- to seven-figures in them. You don't become wealthy by having zero investments. The goal is to be wealthy and have a strong net worth, not to be rich."
On her budgeting must-haves:
"At one point I would have said my nails. After the shutdown from the pandemic and not having that luxury, I realized how I didn't need it in my budget. My budget must-haves now are groceries, daily incidentals, emergency fund, household maintenance, bills, work wardrobe, subscriptions for business, [and] gas."
On the intention behind creating her multiple streams of income:
"In my business, I have both live and digital courses, pop-up consultations for various aspects in business, whether it be social media, marketing, etc., e-books, digital products, business coaching, and more. When developing those streams, I wanted relief for myself––where I didn't always have to be so hands-on. I had those residual pieces and money working for me all days of the week, even when I'm sleeping. My intention behind having multiple ways to make money was to have financial freedom, build generational wealth, and to grow my companies."
On her money mantra:
"God will bless me abundantly financially if He sees I can manage a little. He will not give me a lot If I can't handle the little."
On the craziest thing she’s ever done for money:
"I haven't had to do anything crazy––I just had to learn to be still and fully rely on faith. God gave me everything I needed; I just had to use what was in front of me to pivot."
On the worst money-related decision she’s ever made:
"Investing in t-shirts was the worst money and business decision I've ever made. The sayings on the shirts were great––but it wasn't the right product, right audience, or the right timing."
On her budget breakdown:
How much do you spend on rent?
"For an entire year on rent––$20,280.00."
Eating out/ordering in?
"Monthly, around $500 eating out/ordering in and $530 on groceries. I cook for the majority of the week. But Thursday-Saturday is up-for-grabs for eating out! [There's] two of us, so it is very hard to eat out/order-in and stay with a $20 minimum."
Gas/car note?
"I don't have a car note any longer and I don't drive much because I don't go anywhere since COVID is still a thing. I spend about $26 monthly on gas. I pay $110 monthly in car insurance."
Personal expenses?
"$160 monthly on personal expenses [including] nails, lashes, personal items."
For more of Milan, follow her on Instagram!
Featured images by @heytobs and @Toontyvisuals.
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.
There are moments on our health journey when our bodies are bugging us to hit the reset button.
With life, we can start to see slips in our diet, irregular exercising, and inconsistent sleep schedules, and our mental health can suffer because of it. But what many people come to find is that with just a few adjustments — as opposed to restrictions — being made to their food intake, we can see a focus more on eating “the right” calories and less on being on a restrictive diet.
"Raw Till 4" is a dietary concept and lifestyle associated with the raw vegan and high-carb, low-fat vegan (HCLF) movements. Created by Australian blogger and YouTube star known as 'Freelee the Banana Girl', the method suggests eating raw, uncooked plant-based foods until 4 p.m. each day and then having a cooked, vegan meal in the evening.
The Raw Till 4 lifestyle follows the guidelines of vegan and rawist eating and involves consuming fruits, vegetables, nuts, seeds, and sprouted grains in an uncooked, natural state until the designated time of 4 p.m. or around one’s typical dinner time. After 4 p.m., a cooked vegan meal is consumed, which may include foods like steamed vegetables, grains, legumes, and plant-based sources of protein like tofu or tempeh.
On TikTok, creator Adina Yaffa is repopularizing the trend, sharing how it’s helped to improve digestion, boost energy levels, and support weight loss.
@adinayaffa Replying to @🌜kat🌛 here is what I eat in a day on a raw till 4 lifestyle. I eat with the sun and according to the circadian rhythm that out bodies follow on a typical day. Where i drink liquids during the first 8 hours, then juicy fruits, then smoothies, more dense building fats, proteins and veggies! #snatchedwaist #bellyfat #bellybloat #smallwaist #hourglass #rawtill4
“During the hours of 4 a.m. and 8 a.m., your body is in an elimination phase and needs all the help it can get,” Yaffa says in the clip. “So what you’re going to do is drink coconut water, citrus juices, and green juices during this time, and around 8 a.m., you can break your fast with some fruit. I suggest juicing fruits, and then after that, I suggest having a smoothie or a bowl with berries and granola so you can get your fats and healthy proteins in.”
@adinayaffa Raw till 4 has so many benefits including better digestion, nutrients, belly fat and bloat elimination, snatched waist, more energy and so much more! #snatchedwaist #bellyfat #bellybloat #smallwaist #hourglass
On the official Raw Till 4 website, Freelee the Banana Girl shares tips on how to get the best outcomes of this lifestyle change, which include:
- “Stay hydrated! You should pee about 8-12 times per day, and your urine should be clear. Drink 1 liter of water when you wake up in the morning, and 1 liter of water about 30 minutes before each meal for optimal results.”
- “Fragmented sodium (salt) should be kept to a minimum. Use herbs, lemon juice, etc. wherever possible in place of salt.”
- “Eat unlimited calories at every meal, no restriction. The majority of your calories each day should come from fruit. Don’t under-eat on fruit during the day or 'save up' your calories for dinner time. RT4 is about abundance at every meal.”
- “Move your body daily. Find an activity you love and make it your playful exercise.”
- “Make sure to get lots of rest, relaxation, and good sleep. Learning to incorporate good rest, early nights, and regular sleeping patterns into your life will greatly improve your overall health.”
- “Practice gratitude and peaceful emotions at mealtime, and get a vision book started! Be sure to enjoy this journey. Focus on long-term health instead of short-term results.”
Critics argue that it can be challenging to get all the necessary nutrients from a raw vegan diet and that it may not be suitable for everyone, especially over the long term.
As with any diet, it's important to consult with a healthcare professional or registered dietitian before making significant dietary changes to ensure that it meets your individual nutritional needs and health goals.
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