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.
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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.”
Courtesy
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).
Courtesy
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
Courtesy
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.
Courtesy
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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Chile, that song is so brilliantly written that I once shouted it out in a podcast that I did with a dear friend of mine a few years back (you can check it out here if you want to): “I can't keep on loving you one foot outside the door/I hear a funny hesitation of a heart that's never really sure/Can't keep on tryin' if you're looking for more/Than all that I could give you, than what you came here for.”
Won’t it preach? “Almost” when it comes to romantic dynamics? It’ll have you out here feeling like you’re in some straight-up purgatory because, when you’re not really sure where things stand with someone and/or things feel like a perpetual game of hot-and-cold, you never really know what you should do — and that can have you in a very uncomfortable mental limbo or feeling like you’re in some emotional version of the throwback game Twister.
Today, though, we’re going to discuss “almost doesn’t count” from a broader perspective. I want to explore what happens when you’re in ANY DYNAMIC where it feels like you’re in a state of almost — and what you should do about it if that is indeed the case.
I’ve added Brandy’s jam for you at the top of all of this. Feel free to play it as your background music as we finally figure out what to do with the “almost ish” that is (currently) in your life.
Almost. Revisited.
GiphyY’all, I am so sick of people allowing social media to redefine words.
For instance, just because something didn’t work out with a guy, that doesn’t automatically make him a narcissist (check out “You Could Be Turning Into A Narcissist...And You Don't Even Know It,” “What If It's Your Parents Who Happen To Be The Narcissists?” and “3 Warning Signs You're In Love With A Narcissist”) and just because someone doesn’t “gel” with you, that doesn’t mean that they are toxic (check out “5 Signs Of A Toxic Friendship That Is Secretly Poisoning Your Life” and “7 Signs You Have A Toxic Relationship...With Yourself”) — and while we’re here, just because you hear the same online opinion dozens of times a day, that doesn’t make it a fact. Google is our friend. Open up browsers to fact-check things. It’s a wise move and well worth your time.
Okay, so in order to build the foundation of this piece, let’s look at what almost means (even though I’m sure that you basically know):
Almost: very nearly; all but
Synonyms: approximately, essentially, most, relatively, practically, virtually, about
It is a very wise man who once said that “The worst lies are 99 percent true” — and that is what’s so wild about almost: It can be so close to being something that you will think that it is that thing…when it actually…isn’t. You can literally have close to 99 percent of everything that you needed, wanted or required and that missing one percent can still totally jack you up out here.
A good example? A condom. If you go to pretty much any health-related website, it will say something along the lines that — eh hem — when used perfectly, condoms are somewhere around 98 percent effective. And yet, while I do tend to roll my eyes whenever folks (in general) end up pregnant and shocked, all the while claiming to have used them (because I also know that only one-third of men and one-fourth of women use condoms and even they don’t consistently), I am aware that there are some people who are being completely honest: they used them, each and every time, correctly, and still…a positive pregnancy test result. And that’s because condoms are ALMOST totally reliable. Not totally, though.
Or a white lie. Oh, those are the “best” and most damning ones because they have so much truth to them that the deceptive part is super subtle. Hmph. It makes me think of a rather young South Korean artist (in her 20s) by the name of Dahyun. She once said, “When you love someone, or when someone is special to you, there are situations where little white lies are necessary.” Yeah, that makes me think of a quote by an author named T.J. Klune; he once said, “I lied to you because I thought it’d be easier for you, but I was really just trying to make it easier for me” — and he’s exactly right.
One of the greatest lies anyone can tell is that they are lying to protect or help another individual. More times than not, it’s a form of cowardice, because people don’t want to deal with the accountability (or even possible fallout) from telling the truth. Proof of this is a white lie: enough truth to cleverly hide the deceptive or omitted part(s).
Yeah, that’s what can trip you up about being involved in things that are “almost” what you are looking for or expecting: they can be so close to being on the mark that you let your guard down to the point where they can actually end up catching you off guard in some pretty profound ways.
The Difference Between ALMOST and POTENTIAL
GiphyBefore we go even deeper, I do think that it’s important to explain the difference between almost and potential because, although they might seem like the same thing, they actually aren’t.
Say that you are working at a company where there is plenty of room for growth and promotion; that is potential. Potential is about possibility and capability. Sure, it may not have happened yet; however, you see plenty of signs that it really could. Okay, but after working there for two years and running circles around many of your co-workers with your performance, you keep getting passed over for other positions — and that is when almost comes into play.
What has you trying so hard is the POTENTIAL of what could be. What has you disappointed is things keep ALMOST happening — almost yet nothing more.
Let’s do relationships. Personally, I think it is hella arrogant and a bit delusional to say, “I don’t date for potential.” Umm, everyone out here is potential-in-progress, so are you saying that you want people to grant enough patience to allow you to keep evolving and transforming when you won’t extend the same grace their way? Gimme a break. There is nothing wrong with seeing someone’s potential and wanting to have a front seat in their life in order to encourage and support it. The issue comes in when they keep “almost” getting there without ever actually hitting their goals — and the reason why that’s problematic is…what is keeping you stuck at “almost”?
Example. Say that you’ve been exclusively dating someone for 15 months. You get along well, your family members and friends like you together and you seem to have similar life values and ambitions. Thing is, you want to get married within the year and he says that he wants to have a certain amount of money saved up before jumping the broom. The POTENTIAL of you becoming his wife is if you notice that he really is stacking paper. You ALMOST marrying him is when you factor in all of the other stuff that I said and yet his money is still funny (because he’s misspending, not saving or he’s simply not prioritizing like he said that he would).
Do you see the difference between what potential and almost look like and why “almost” can be so much more mentally draining and emotionally dangerous? “Almost” can — and oftentimes will — have you wasting precious time because it can deceive you with a feeling of “someday.” And that’s because things are so close to becoming a reality and yet, they never end up coming into full fruition.
And that, my friend, is why Brandy’s song is right on the money — at the end of the day, “almost doesn’t count” because, if you keep experiencing “most” or “practically” or “very nearly” of something or even someone and yet what is required for that something to actually become all of what you desire never manifests…what that ultimately boils down to is it — whatever “it” is — is really not much of anything at all.
It’s basically like what a playwright by the name of Nikita Gill once penned: “The saddest word in the whole wide world is the word 'almost'. He was almost in love. She was almost good for him. He almost stopped her. She almost waited. He almost lived. They almost made it.” It’s like…if it almost happened yet didn’t…why does the almost really even matter (much)?
At the end of the day, when it’s all said and done, other than (hopefully) the lessons learned…it…doesn’t.
Someone Who “Almosts” You? That Is a Conscious Decision.
GiphyAnd here’s the wild thing about the person who “almosts” you — nine times out of 10, they know exactly what they are doing. The boss who almost promotes you and yet doesn’t…over and over again? You think they don’t have a self-serving strategy (or is it stratagem?) in that? The boyfriend who almost proposes (tells you that he wants to marry you while months to years later, he doesn’t do anything to prove that) and yet never does? You think he’s not aware of what’s going on? Oh, take it from me — the “almost folks” like being that way.
Why? I mean, think about it: If you are giving someone just enough for you to get what you need out of them without giving them all of what they want in the process, why not keep them in the cycle of “almost”? Let’s circle back to Brandy’s chorus to further illustrate the point:
I can't keep on loving you one foot outside the door
I hear a funny hesitation of a heart that's never really sure
Can't keep on tryin' if you're looking for more
Than all that I could give you, than what you came here for
Look at what she was doing: she kept on trying while he kept on hesitating. And what this basically means is she was mistaking almost for potential. And you know what? He was letting her because he was benefitting from all of her trying and, although she was getting something in return (maybe even 99 percent of what she was looking for), his hesitation was causing her to see that something isn’t everything…and everything is what she deserved — and still, he chose not to do that.
HE CHOSE NOT TO DO THAT. He chose to remain in the relational purgatory of “almost” because he didn’t want to be “all in.” He was right where he wanted to be and if that kept her uncomfortable…so be it.
See how ugly, self-serving and manipulative “almost” can be?
Do you see why we need to stop romanticizing it because it really shouldn’t count?
What Should the Shelf Life of Almost Be?
GiphySo, final question with this: When it comes to the “almost” areas of your life, how long should you allow them to last? Honestly, I think the answer to that lies in the definitions of the word “almost.” You see, the reason why most of us even notice that we have an “almost situation” going on is because there is a need (sometimes a want) that is going unmet to the point where we aren’t satisfied. And since one definition of almost is “all but” — what is the ALL and then what is the BUT?
Once you figure that out, it’s time to address the “but” part with the individual who isn’t providing it — and honestly, not just their response (words) but their reaction (actions) will let you know what the shelf life of the almost needs to be.
Case in point: When it comes to some of the couples who I work with, sometimes one of the partners goes through a significant change and they want their spouse to quickly adapt to that fact. Usually, the change within wasn’t instantaneous, and so, I share that it’s unfair to expect that to happen immediately; usually, a fair amount of time should be allotted. The relationship is ALL good in every area BUT where the evolution is transpiring. If the spouse’s response is, “Give me a minute to get used to this new you,” the partner should. The spouse is almost where they can accept matters. They just need a bit more time for the almost to turn into “I’m good now.”
However…say that you have a friend who you like and enjoy just about everything about them. The challenge is the fact that they want you to be on-call for their issues and gripes and yet, whenever you need them to do the same thing for you, they are more unavailable than not. Not only that but, whenever you bring it up, although they acknowledge your point, time and time again, nothing ever changes; you still pick up their calls at 11 p.m. while you are still leaving voicemails when you reach out their way. If that is indeed the case, that makes me think of an Instagram post that I recently watched that is underneath this last point. In it, the content creator says, “It’s so important to know where people go. Your feelings will be less hurt.”
And along these same lines, it’s important to know an “almost” when you see it. Isn’t it interesting that one definition of almost is “all but” and to that, I think most of us have heard that whenever you use “but” in a sentence, it negates pretty much everything that you said before it. Chile, if someone is doing all BUT and the BUT is a really big deal to you…does the “all” really “scratch your itches” like you need them to? And again, if they are refusing the “but” (and the “but” is realistic, by the way), isn’t that saying a lot about how they see you and y’all’s dynamic? I would certainly think so.
So, how long should the shelf life of an almost be? Long enough to articulate your needs, for the person to hear them, and then make adjustments. If no adjustments are made…almost is probably where things are going to remain — what you choose to do about that is on YOU not THEM. How long you take speaks to how much you value…yourself.
All this from the word “almost”? Yep. You can thank Brandy for that. LOL.
You deserve to get and have what you need. If you’re almost getting it, remember what Brandy said: When it’s all said and done, sis…almost doesn’t count.
A white lie will tell you it does.
The truth has just revealed — otherwise.
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