
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.
On her debut album,CTRL,SZA crooned about her desire to be a “Normal Girl.” Now, nearly eight years since its release, her Not Beauty line represents her commitment to existing outside of traditional beauty norms.
The singer whose real name is Solána Imani Rowe first teased the idea of a lip gloss line during Super Bowl LIX in February, noting that the release would be happening “very shortly.” Not Beauty debuted simultaneously with the Grand National Tour, which she co-headlines with Kendrick Lamar, in Minneapolis on April 19.
Each Not Beauty pop-up would offer fans the opportunity to purchase the glosses, learn more about the brand, and have the opportunity to meet the superstar in the flesh regardless of their ticket status.
During the Los Angeles tour stop, which spanned three dates on May 21, May 23, with the finale on May 24, xoNecole had the opportunity to test out the glosses included in this soft launch, as SZA revealed in a statement that "this is just the start of other lip products, including plans to launch stains, liners, and creams all inspired by SZA's “infamous layered lip combinations.”
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So, what is included in the first Not Beauty launch?
The current Not Beauty products available are lip glosses that come in three shades: In the Flesh, Strawberry Jelly, and Quartz.
During my visit to the first LA Not Beauty pop-up activation, I not only had the chance to purchase all three glosses but also took a peek inside the blow-up log tent. Inside, fans got to experience SZA’s love for nature and her fascination with bugs, which are prominently featured in her performances for this tour. At one point, she even had human preying mantis prancing across the stage y'all.
There were blow-up photos of the beauty that is SZA for fans (myself included) to take photos, but in wooden-like tree trunks were a deeper dive into some of the ingredients featured in her products and their benefits.
For example, the glosses feature Hi-Shine Lip Jelly and Shea Butter as key ingredients and some of the listed benefits included are:
- Shea Butter - “A powerhouse ingredient, offering both functional and nourishing benefits.”
- Hi-Shine Lip Jelly (featured in the In the Flesh shade) - “Formula glides on with perfect adhesion to the lips without stickiness).
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What are in the products?
Featured in an orange package, with images of a bug and flower on the side, the back of the box reads: “It’s NOT BEAUTY, it just works. Developed by Solána “SZA” Rowe.
As someone who never leaves home without a good lip gloss, I loved how compact the wood panel packaging is. Perfect to slip into my purse, or in the case of the show at SoFi Stadium, into my pocket when I’m not carrying a bag.
Because I’m a sucker for a good black and brown lip liner and clear gloss combo, I decided to wear the Quartz flavor on night one of the Grand National Tour LA stop, and it did not disappoint. I’ll admit, it’s light weight feel made me nervous because it felt like there was nothing on my lips. However, when I checked my lips in my compact mirror several times throughout the night, I was shocked to find that my gloss was still intact. I only reapplied once out of the habit of looking cute and applying my gloss, but not necessity.
Here are some of the ingredients featured, but not limited to, in the Quartz flavor.
- Polyisoubutene
- Butyrospermum Parkii (Shea)Butter
- Ricinus Communis (Castor) Seed Oil
- Mentha Piperita (Peppermint) Oil
- Tocopherol
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Lip prep
I’m a simple girl who loves to stay true to her roots. So ahead of the show, I stopped by a local Inglewood Beauty Supply store and grabbed a Black and Brown shade lip pencil for just under $2 a piece.
Shading the outline of my lips with the black pencil first, I used the brown to lightly fill the inside of my lips before applying my Quartz Not Beauty shade gloss.
How to apply
There’s truly no right or wrong way to apply lip gloss (in my opinion), with this being a brush applicator sort of product, I simply untwisted the top and swiped the gloss around my top and bottom lip generously.
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Results
Again, my Not Beauty Quartz product stayed on my lips from the start of the show, which began with a fire DJ set from LA’s very own, Mustard, to the conclusion when Kendrick and SZA reunited on stage to send us home to their duet, “luther,” featured on the rapper's GNX album.
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It’s almost always “annoyingly fun” to have conversations with super churchy folks. Example? Recently, I had on an anklet that a particular woman took notice of. When she complimented it and asked what it was made of, I said, “Moonstone, which is one of my birthstones.” Oddly enough, she then turned up her nose and said that stones and crystals were tied to witchcraft, to which I casually replied, “Then I guess you hate Aaron’s breastplate, huh?” She paused and turned her nose up again — this time, though, because she just experienced a good old-fashioned “checkmate.”
This article is about crystals not Scripture, so when it comes to the latter, I’ll just briefly say that if you mosey on over to Exodus 28, you’ll see that a high priest breastplate is referenced; one that contains precious gems including topaz, sapphire, agate, onyx and jasper (and that’s just for starters!). Yeah, it really is important to not just throw judgments around like confetti — know of what you are actually speaking of first (because that’s what Matthew 7 is really all about).
I did think it was important to mention that for potential skeptics about why this article even exists. Because although there are Scriptural and evenscience-based individuals who roll their eyes at the power of what gemstones and crystals can (possibly) do, I’m pretty sure that some of you are not surprised that the holistic and Ayurveda worlds see it all very differently.In those realms, energy plays a big role in physical, emotional, and mental health, and crystals are believed to cultivate balance or intensify certain feelings or experiences through that said energy.
That said, when it comes to sex, specifically, there are certain stones (which are basically what crystals are;in fact, all gemstones are a type of crystal) that are believed to help make intimacy even more satisfying. If you’re curious about which ones are, I’ve got 10 for you below.
10 Crystals That May Enhance Your Intimate Life
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1. Garnet
Garnet is a rich shade of red that happens to be January’s gemstone. It’s considered to be one of the oldest gemstones around, one that Egyptians believed was a symbol of life and something that they oftentimes wore in their signet rings. As far as symbolism goes, garnet also represents love and vitality as well as energy, passion and even self-confidence — all of which are quite relevant when it comes to having an active and fulfilling sex life.
2. Amethyst
Queen Cleopatra and Leonardo da Vinci are just two powerful figures who were big fans of the purple gemstone amethyst. Interestingly enough, it is February’s birthstone — the month that Valentine’s Day falls under. Another interesting fact is many early Christians relied on this gem in order to increase their spirituality while many Greeks used to see it as a stone that provided protection. When it comes to intimacy, amethyst is also associated with love and devotion as well as feelings of calm and reduced anxiety — and since the less calm you feel, the easier it is to climax…well. #wink
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3. Orange Carnelian
Looking to experience more joy and happiness? Or maybe you want to strengthen your friendships. Or perhaps it’s time to increase your pleasure levels or to go into deeper levels of sensuality. For all of these things, orange carnelian is a top-tier pick. As I did a bit more research on this stone, it’s considered to be a royal one and something that can bring forth peace. One of my favorite things about orange carnelian is it comes in different hues of orange — the deeper the color, the more passion it exudes. Just an FYI.
4. Rose Quartz
If you want to take your romantic relationship to another level, rose quartz has a solid reputation for helping to make that happen for you. In fact, this pink crystal is oftentimes referred to as being the stone of unconditional love because it encourages the wearers of it to both give as well as put themselves in the position to receive love too. Since rose quartz is also tied to things like emotional healing, restored trust and harmony, if you’re looking to make a much deeper intimate connection with your partner, this just might be the stone for you.
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5. Rhodochrosite
Rhodochrosite is a red-rose colored stone that I personally hold dear. I say that because, as a survivor of sexual abuse, it is one that helps recovering individuals to work through sexual trauma (and trauma, in general). It is associated with love, compassion and strength as it helps you to process your emotions in a positive way, so that you are able to effectively release past pain and deal with any PTSD that you might have. You know, I know a wife who sexually struggled in her marriage for years because she had been sexually assaulted in college and never told her husband.
A stone of compassion is a precious one — including when it comes to dealing with sexual trauma and intimacy challenges and learning how to face them. Salute to this stone right here.
6. Citrine
Citrine is November’s birthstone and its rich yellow color explains why it represents things like abundance, prosperity, radiance and happiness. Aside from this, whether you’re seeking clarity, you’d like to be more creative or you’re interested in becoming more sensual, citrine encourages all of this. Sensuality is a dope word because it’s all about appealing to all five senses; especially during intimacy. To learn more about how to do that, check out “How To Incorporate All Five Senses To Have The Best Sex Ever.”
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7. Red Jasper
While doing my own research on what red jasper represents, what I liked the most is it’s something that encourages emotional stability which is always a wonderful thing to have. Although it is a fiery red color, it also contains grounding properties and it symbolizes strength, courage and, another word that can always make sex more pleasurable: stamina. Since stamina is what helps both men and women to last longer during sex, anything that is a “stamina hack” earns an automatic mention when it comes to sex-themed content — including this.
8. Clear Quartz
A fun fact about quartz is it’s one of the most common minerals on this planet. When it comes to clear quartz, specifically, I like the way that it looks because it’s either a cloudy white or something that you can see straight through. As far as its symbolism is concerned, if you want to reduce physical discomfort, remove distractions and focus more on heightened levels of yourself, this crystal represents all of that. Clear quartz also encourages healing, spiritual growth and balance. To me, it seems like if you want to cultivate a spiritual or meditative (check out “What Exactly Is 'Orgasmic Meditation'?”) experience with your partner, clear quartz is a stone to try.
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9. Shiva Lingam
I ain’t got no lies to tell you — when I first happened upon this particular stone, the first thing that came to my mind was an article that I penned for the site back in the day entitled, “Blow Your Man's Mind By Giving Him This Tantalizing Massage.” That’s because it explains what a lingam massage is and, as you can see, this crystal has that word all up in it. The history of lingam is a bit layered (you can read about it here); however, because it is considered by many to be a phallic symbol and that typically represents the penis — shiva lingam is a neutral-colored crystal that represents both sexuality as well as fertility. Shocking, right? #sarcasm
10. Pyrite
It doesn’t escape me that it’s kind of funny that I’m closing this out with a crystal that has the nickname “fool’s gold.” That’s due to its appearance. That said, it’s also a stone that has some interesting symbolism to it. Since it comes from a Greek word that means fire — of course, it’s a crystal of passion. Since it also taps into things like heightened energy, self-esteem, creativity, awakened senses and the removal of toxic thoughts — if any stone should be in your “let’s get it on” crystal collection, pyrite would be the one!
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Know what’s kinda wild? While I was on Etsy’s site looking for another moonstone, a sake popped up in my feed on what the merchant calls their “libido crystal set” — and six of the 10 stones that I’ve mentioned throughout this article are featured in the collection.
Yeah, I’ll take that as a confirmation that whether you purchase a piece of jewelry that has one (or more) of these stones or you buy a piece of crystal itself to place somewhere in your bedroom — just putting your own energy into wanting a better sex life is a powerful step in the right direction to achieving it.
And what science can’t refute is the benefits of positive thoughts and actions — crystals or not.
So, if precious stones are totally your thing — enjoy, sis. Enjoy!
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