
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.
Adrian Marcel On Purpose, Sacrifice, And The 'Signs Of Life'
In this week's episode of xoMAN, host Kiara Walker talked with R&B artist Adrian Marcel, who opened up, full of heart and authenticity, about his personal evolution. He discussed his days transitioning from a young Bay Area singer on the come-up to becoming a grounded husband and father of four.
With honesty and introspection, Marcel reflected on how life, love, and loss have shaped the man he is today.
On ‘Life’s Subtle Signals’
Much of the conversation centered around purpose, sacrifice, and listening to life’s subtle signals. “I think that you really have to pay attention to the signs of life,” Marcel said. “Because as much as we need to make money, we are not necessarily on this Earth for that sole purpose, you know what I mean?” While he acknowledged his ambitions, adding, “that is not me saying at all I’m not trying to ball out,” he emphasized that fulfillment goes deeper.
“We are here to be happy. We are here [to] fulfill a purpose that we are put on here for.”
On Passion vs. Survival
Adrian spoke candidly about the tension between passion and survival, describing how hardship can sometimes point us away from misaligned paths. “If you find it’s constantly hurting you… that’s telling you something. That’s telling you that you’re going outside of your purpose.”
Marcel’s path hasn’t been without detours. A promising athlete in his youth, he recalled, “Early on in my career, I was still doing sports… I was good… I had a scholarship.” An injury changed everything. “My femur broke. Hence why I always say, you know, I’m gonna keep you hip like a femur.” After the injury, he pivoted to explore other careers, including teaching and corporate jobs.
“It just did not get me—even with any success that happened in anything—those times, back then, I was so unhappy. And you know, to a different degree. Like not just like, ‘I really want to be a singer so that’s why I’m unhappy.’ Nah, it was like, it was not fulfilling me in any form or fashion.”
On Connection Between Pursuing Music & Fatherhood
He recalled performing old-school songs at age 12 to impress girls, then his father challenged him: “You can lie to these girls all you want, but you're really just lying to yourself. You ain't growing.” That push led him to the piano—and eventually, to his truth. “Music is my love,” Marcel affirmed. “I wouldn’t be a happy husband if I was here trying to do anything else just to appease her [his wife].”
Want more real talk from xoMAN? Catch the full audio episodes every Tuesday on Spotify and Apple Podcasts, and don’t miss the full video drops every Wednesday on YouTube. Hit follow, subscribe, and stay tapped in.
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Sometimes I get asked the same question, often enough, that I’m like, “It’s time to address this on a larger platform,” — and for, whatever the reason, as of late, folks have been asking me what different sex acts mean.
No, not from the perspective of positions or techniques. What they’ve basically wanted to know is if making love, having sex, and f-cking are simply different words to describe the same thing or if there truly is something deeper with each one.
Let me start this off by saying that of course, to a certain extent, the answer is subjective because it’s mostly opinion-rather-than-fact driven. However, I personally think that sex is hella impactful, which is why I hope that my personal breakdown will at least cause you to want to think about what you do, who you do it with, and why, more than you may have in the past.
Because although, at the end of the day, the physical aspects of making love, having sex, and f-cking are very similar, you’d be amazed by how drastically different they are in other ways…at the very same time.
Making Love
Back when I wrote my first book, I wasn’t even 30 at the time and still, one of the things that I said in it is, I pretty much can’t stand the term “make love.” Way back then, I stated that sex between two people who truly love each other and are committed for the long haul, when it comes to what they do in the bedroom, it’s so much more about CELEBRATING love than MAKING it. To make means “to produce” or “to bring into existence;” to celebrate means “to commemorate,” “to perform” or “to have or participate in a party, drinking spree, or uninhibited good time.”
The act of sex, standing alone? It can’t make love happen and honestly, believing otherwise is how a lot of people find themselves getting…got.
What do I mean? Tell me how in the world, you meet a guy, talk to him for a few weeks, don’t even know his middle name or where he was born and yet somehow, you choose to call the first time you have sex with him (under those conditions) “making love.” You don’t love him. You don’t know him well enough to love him. He doesn’t love you either (for the same reason). And yet you’re making love? How sway? Oh, but let that sex be bomb and those oxytocin highs might have you tempted to think that’s what’s happening — and that is emotionally dangerous. And yes, I mean, literally.
If I’ve said it once, I’ve said it a thousand times before, that one of the reasons why I like that the Bible defines sex between a husband and his wife is by using the word “know” (Genesis 4:1) is because, well, I think that is what celebrating love is all about — we know each other well enough to know that we love each other, we know each other well enough to know that we aren’t going anywhere, and that knowing is what makes us want to celebrate that union by getting as close to one another and bringing as much physical pleasure to each other as we possibly can…as often as absolutely possible.
To me, that is what the peak of physical intimacy is all about — and the people who choose to use the term “make love,” it should be seen through this type of lens. When this type of mental and emotional bond comes together via each other’s bodies, they are amplifying love, enjoying love, embracing love.
Making it, though? Chile, the love has already been made. Sex is just the icing on the cake.
Having Sex
A few nights ago, I found myself rewatching this movie called Four of Hearts (which you can currently view on yep, you guessed it: Tubi). It’s about two married couples — one that is in an open marriage and another that isn’t although they somehow thought that sharing a night with the other couple would be a good idea (chile). Anyway, as one of the partners found themselves getting low-key sprung, the one they fell for said in one of the scenes, “It wasn’t a connection. It was just sex.” JUST. SEX.
Listen, when you decide to let a man put an entire part of his body inside of you at the risk of potentially getting an STI/STD or pregnant (because no form of birth control is 100 percent except for abstinence), it can never be “just sex” (somebody really needed to hear that too). At the same time, though, I got the character’s point because, if one or both people do not love each other or even deeply care for one another and/or sex is treated as an activity more than an act to establish a worthwhile connection and/or you and the person you are sleeping with have not really discussed what you are expecting from sex besides the act itself — you’re definitely not making/celebrating love.
Not by a long shot. What can make things get a bit complicated, though, is you’re doing the same act that “love makers” do without the same mental and emotional ties…or (sometimes) expectations.
You know, back when I decided to put all of my business out there via the piece “14 Lessons I've Learned From 14 Sex Partners,” now more than ever, I am quite clear that most of those guys fell into the “having sex” category. I wasn’t in the type of relationship with them where “making love” even made sense; however, because I was friends with most of them, we weren’t exactly f-cking (which I will get to in just a moment) either. We had a connection of some sort for the bedroom yet not enough to be together in the other rooms of the house.
We were really attracted and curious, so we decided to act on that. Oftentimes, the sex was good and so we rationalized that “having sex” was enough because if the friendship was, eh, “sound enough”, that we could justify the physical pleasure.
And y’all, that’s kind of what having sex is — it’s the limbo (or purgatory, depending on your situation) between making love and f-cking. The thing about limbo ish is it’s a lot like something being lukewarm: it’s not really one thing or another which means that it can completely blindside you, if you’re not careful (and totally honest with yourself as well as your partner(s)).
So, if you are contemplating having sex, I really — REALLY — recommend that you figure out how you feel, what you want (outside of the act itself) and if you are prepared for what “not quites” can bring. My mother used to say that the consequences of sex don’t change just because the circumstances do — and there is some solid “wow” to that, if you really stop to think about it.
And finally, f-ck. Although most experts on the word (and yes, there are some) agree that its origin is rooted somewhere within the German language (although some say that it might’ve come from Middle English words like fyke or fike which mean “to move about restlessly” or the Norwegian word fukka which means “to copulate”), you might have also heard that it is an acronym that once stood for “Fornication Under Consent of the King”; and there is actually some data that is connected to that as well.
Legend has it that way back in the day, in order to keep reproduction rates where a particular king wanted them to be, he would instruct his residents to have sex with each other — whether they were married or not (hence, the word “fornication” being in the acronym). However, because sex outside of marriage was taken far more seriously at the time, residents had to apply for a permit to participate so that the king could determine if things like their occupation and lineage would prove to be beneficial for the kingdom overall. F-ck: no love; just necessity. And although some believe this to be more myth than fact, what is certain is it was only over time that f-ck was seen as a profane/swear/cuss word — a word that was perceived to be so offensive, in fact, that between the years 1795-1965, it didn’t even appear in dictionaries.
Personally, when I think of this four-letter word, the first thing that actually comes to my mind is animals. Take a dog being in heat, for instance. That’s basically when a female dog is ovulating and wants to have sex the most. It’s not because they are “in love” with another dog; they are simply doing what instinctively comes to them — and since animals do not reason or feel at the same capacity that humans do, although they science says that many of them do experience pleasure when they engage in their version of sexual activity, it’s not nearly as layered or even profound as what we experience.
Let’s keep going. Another reason why f-cking makes me think of animals is due to the doggy style position. Hear me out. Ain’t it wild how, most of us pretty much know that the term comes from how dogs have sex, even though most animals have sex that same way — and think about it: Doggy style doesn’t consist of making eye contact or kissing while having intercourse. It’s “hitting from behind” without much emotional energy or effort at all. Just how animals do it. And so, yeah, f-cking does seem to be more about pure animal — or in our case, mammal — instinct. I don’t need to feel anything for someone, so long as the sexual desire is there. Hmph.
Something else that I find to be interesting about f-cking is how dictionaries choose to define it. Many of them are going to provide you with two definitions: “to have sexual intercourse with” and “to treat unfairly or harshly (usually followed by over)” and that definitely makes me think of another term — casual sex and words that define casual like apathetic, careless and without serious or definite intention. So, the dictionary says that while f-cking is about having sexual intercourse — just like making love and having sex is — it goes a step further and says that it can include being treated unfairly or harshly.
And although that can make you think of assault on the surface, for sure — sometimes being treated unfairly or harshly is simply feeling like someone had sex AT you and not really WITH you; instinct (i.e., getting off) and that’s about it. Yeah, the way this puzzle is coming together, f-cking seems to be more about lust and self and not much else.
Now That You Know the Difference, What to Keep in Mind
Y’all, this is definitely the kind of topic that I could expound on until each and every cow comes home. That said, here’s hoping that I provided enough perspective on each act to close this out by encouraging you to keep the following three things to keep in mind:
1. Before you engage in copulation, be honest with yourself about what you’re ACTUALLY doing — and that your partner agrees with you. You know, they say that our brain is our biggest sex organ and honestly, breaking down the differences between making love, having sex and f-cking helps to prove that fact. I say that because, although the sex act itself is pretty much the same across the board, you and your partner’s mindset can make the experience completely different. That said, if you think that you are making love and they think y’all are just having sex — stuff can get pretty dicey. Bottom line: communicate in the bedroom before attempting to connect outside of it. It’s always worth it when you do.
2. Yes, you can feel one way and do something else. I can just about guess what some of y’all are on: Shellie, we can love our partner and still just want to f-ck. If what you are saying is you can emotionally love someone and physically lust them and want to act sometimes on the lust without really factoring in the love — yes, I agree. Doggy style continues to be a favorite sex position for people, in general, and I’m more than confident that many of the participants polled are in a serious relationship. However, having lust-filled sex with someone who you know loves you is vastly different than doing it with someone who you have no clue what they think about you or you barely know at all. Y’all, please just make sure that you know…what you should know. Sex is too amazing to have a lot of regret after it.
3. Have realistic expectations about sex. Listen, so much of my life consists of writing and talking about sex that I will be the first one to say that it deserves a ton of props for what it is able to do, in a wonderful way, for people mentally, emotionally and physically. Yet again, I’m not a fan of “make love” because something that feels really good doesn’t always mean that it is good for you. Meaning, you’ve got to be real about what sex with someone will do to your mind and spirit — not just what it will do for your body. An author by the name of Gabriel García Márquez once said, “Sex is the consolation you have when you can't have love.” For no one, should this be a constant norm. Feel me? I hope you do.
____
One act. Three very different experiences.
It’s kind of wild that sex has the ability to create that — and yet, clearly, it does.
Please just make sure that you know which experience you’re signing up for.
So that you’re having sex (you know, in general) instead of sex having you. Real talk.
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