Meet The Entrepreneur Who Believes Wealth Is In The Mindset Of The Beholder
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.
Samari Ijezie is the creator of The Female Economist, a platform created to challenge and disrupt the stereotypical gender norms within the financial industry while educating millennials of financial literacy. However, before founding this financial literacy company for women and marginalized millennials, she had a career in fashion and style as a model that started in her preteen years. Though she briefly kicked off her modeling career at the age of fourteen, it was short-lived because soon after high school, Ijezie decided to go off to college but later had to drop out during her freshman year due to not receiving financial assistance in the next term.
After reigniting her determination to excel, Ijezie eventually pursued getting her degree once more and later earned her dual degrees in Economic and Political Science from University of Massachusetts Amherst. Though crunching numbers and secretary duties were never easy to her due to her dyslexia, the current New York resident overpowered her disability to become an expert in finance as leverage to escape poverty. After multiple jobs in finance and accounting from a Massachusetts state agency to Spotify and Publicis, the Boston native eventually launched The Female Economist platform where users can learn through articles, courses, webinars and is soon creating a tool that matches individuals with their own certified financial advisor.
In this installment of "Money Talks", xoNecole spoke with Samari about splurging on much-needed vacation time, her alternative definition of wealth and success and having a scarcity mindset.
On how much she makes in a year and how much she saves:
"Each month, I try to save at least $5K. Because my monthly income varies each month from trading and brand gigs, I always ensure that I have at least $5K coming in on a monthly basis. I do have a Roth IRA. I like having this account because I can see the companies I have in my index fund."
On her definitions of wealth and success:
"Wealth has no dollar amount. Wealth is the amount of time that you can sustain with the amount of money that you have. In other words, how many days can you survive without working; living off your savings. I define success by someone accomplishing their goals and dreams."
Courtesy of Samari Ijezie
"Wealth has no dollar amount. Wealth is the amount of time that you can sustain with the amount of money that you have."
On the lowest she’s ever felt when it came to her finances and how she overcame it:
"The lowest I've ever felt with my finances is when I was in college. I personally was not making any money but also was acquiring loans to put myself through school. I was ignorant when It came to understanding money and personal finances. I overcame this by fully taking the time to understand personal finance. I worked on building my credit score. I used websites like Credit Karma to find the best credit cards to set myself up with to help build credit. I consolidated my loans and started paying them off on a monthly basis. After I fully took control over my personal finances, expenses and savings, I then began to invest."
On her biggest splurge to date:
"My biggest splurges are on vacations. I consider splurging money on experiences and memories to be comparable to an asset. Traveling to me helps me become a worldly person, and that is something that contributes to my education and knowledge. So, I do not mind spending thousands of dollars on a vacation where I am learning about the country's culture."
On whether she’s a spender or a saver:
"I consider myself a spender. I do splurge on unnecessary items. I do enjoy shopping and looking fly. However, if I buy expensive products/materials, if I cannot afford to buy it twice, I tell myself that I cannot really afford it. I am a spender because tomorrow is never promised, I could save millions, but If I never spent it, how can I truly enjoy being a millionaire? I train myself to properly manage money by spending money on things that help better my life. I rather spend thousands on opening an investment account that can allow my money to compound rather than spending it on designer, nightlife, or any other guilty pleasures that us millennials face."
Courtesy of Samari Ijezie
"I am a spender because tomorrow is never promised, I could save millions, but If I never spent it, how can I truly enjoy being a millionaire? I train myself to properly manage money by spending money on things that help better my life. I rather spend thousands on opening an investment account that can allow my money to compound rather than spending it on designer, nightlife, or any other guilty pleasures that us millennials face."
On her savings goals and what retirement looks like to her:
"My plan is to retire by 35. I have been working since I was 14 years old. So, retiring in my thirties is very important too. I will be able to fully retire when I have enough money that can allow me to not work. I do enjoy keeping busy, so by the time where I can retire, it won't be fully retiring, but doing things that I enjoy that continue to make me money."
On the importance of investing:
"Investing is very important to me. I invest by figuring out my goals. Some of my investment accounts are short-term investment goals and others are long-term. Depending on the financial product, I have different goals. When I trade options, I have the intent that I will make a short-term investment."
On her budgeting must-haves:
"In my budget, I do allocate money to doing the things I like which include food. I am a big foodie and take pride in eating very well. As everyone knows, to eat healthy is very costly. So I do allocate a monthly spending budget for food. I enjoy seafood which can be very costly, but that is something that I will spend money on because it makes me happy to eat well."
Courtesy of Samari Ijezie
"My mindset completely changed in regards to money. I used to have a scarcity mindset where I would tell myself at times I cant afford this or complain about my financial situation. Once I started reading more books and opening up my horizon when it comes to wealth and abundance, I started making more money. Wealth is truly in the mindset of the beholder."
On her intentions behind multiple streams of revenue:
"I created The Female Economist to have six streams of revenue. The first one is through ad revenue, affiliate marketing, e-courses, brand merch, membership, and consultancy. When I created this business, the business model was only through ad revenue, but as the demand increased for more objectives, the business structure changed to adapt to that. The intention of having multiple streams of revenue was purposely so the business would be able to function with or without me."
On unhealthy money habits and mindsets:
"My mindset completely changed in regards to money. I used to have a scarcity mindset where I would tell myself at times I cant afford this or complain about my financial situation. Once I started reading more books and opening up my horizon when it comes to wealth and abundance, I started making more money. Wealth is truly in the mindset of the beholder. I stopped using words like 'can't', and instead started saying, 'How can I afford this?'
"Growing up in a single-parent home, I had a lot of unhealthy ideologies when it came to money. I grew up in a household where it was us trying to make ends meet regardless so, as I aged, I always just had that scarcity mindset of I need these now because I may never be able to attain it again. As I became financially independent and literate, that changed."
For more of Samari, follow her on Instagram.
Featured image courtesy of Samari Ijeze
Originally published on August 14, 2020
ItGirl 100 Honors Black Women Who Create Culture & Put On For Their Cities
As they say, create the change you want to see in this world, besties. That’s why xoNecole linked up with Hyundai for the inaugural ItGirl 100 List, a celebration of 100 Genzennial women who aren’t afraid to pull up their own seats to the table. Across regions and industries, these women embody the essence of discovering self-value through purpose, honey! They're fierce, they’re ultra-creative, and we know they make their cities proud.
VIEW THE FULL ITGIRL 100 LIST HERE.
Don’t forget to also check out the ItGirl Directory, featuring 50 Black-woman-owned marketing and branding agencies, photographers and videographers, publicists, and more.
THE ITGIRL MEMO
I. An ItGirl puts on for her city and masters her self-worth through purpose.
II. An ItGirl celebrates all the things that make her unique.
III. An ItGirl empowers others to become the best versions of themselves.
IV. An ItGirl leads by example, inspiring others through her actions and integrity.
V. An ItGirl paves the way for authenticity and diversity in all aspects of life.
VI. An ItGirl uses the power of her voice to advocate for positive change in the world.
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Listen, You're Totally Missing Out If You've Never Tried 'Yoga Sex' Before
Deflecting. If there’s one thing that irks me to absolutely no end, it’s when someone tries to avoid personal accountability — or even just a direct question — by deflecting. Take some people, who are barely in their 50s, who try to tell me that they are basically in a sexless marriage due to their age.
Chile, please. Reportedly, over 40 percent of people between the ages of 60-85 are sexually active (I personally think it’s much higher than that), and more than half between the ages of 57-75 (and one-third between the ages of 75-85) participate in oral sex. Matter of fact, a great example of all of this is TikTok sensation (and her husband) Rita 'Badgirlriri504' Smith who’s been married 43 years and talks about intimacy with her man every chance she gets. And you know what? I adore seeing it (check out “Marriage Tips with Social Media Creator Rita 'Badgirlriri504' Smith”)!
And just what does all of this have to do with today’s topic? Well, while talking to two of my clients not too long ago — people who are also well into their 60s — about the fact that they try to get it in at least twice a week (see what I mean? And that doesn’t include oral), when I asked them what their secret was, the wife said, without hesitation, “Simple. We do yoga sex.”
It’s pretty redundant for me to say that I write about sex a lot, which means that I research it too; however, I’ve got to admit that although I know that certain positions can make engaging in copulation easier, it never crossed my mind that there was something known as yoga sex. Yet, as the couple broke it down to me, I found myself becoming more and more intrigued. And that caused me to do some looking around so that I could share the wealth.
Because if your sex life is already bomb as hell, things are slowing down a bit, and you need a bit of “oomph” to fuel the fire again or, deep down, you know that you’re deflecting when it comes to your sex life and you want to change that — yoga sex could be the answer to all of your sexual needs. Read on to see what I mean.
Let’s Review Some Overall Benefits of Yoga, in General, First
GiphyThe gym? It’s never been something that has tickled my fancy, not even a little bit. Oh, but as my metabolism is slowing down and I can tell that I’m deep in the throes of perimenopause (CHILE), I’ve accepted that I need to be more intentional about exercise than ever. And since you can find just about anything that you’re looking for on the internet, I’ve found myself taking a real liking to yoga.
As far as health-related and direct physical benefits go, there are many:
- Yoga helps to reduce stress
- Yoga helps to decrease bodily inflammation
- Yoga helps to boost your immunity
- Yoga strengthens your body
- Yoga increases flexibility
- Yoga gives you more balance and improves your posture
- Yoga elevates your mental health
And that really is just the tip of the iceberg! Since you can get all of this from apps that offer classes for free (you can get a list of some of them here, or you can put “yoga classes” in the search field of YouTube as well), which means that you can do yoga from the comfort and convenience of your own home, why wouldn’t you want to at least give it a shot? Especially if, as you’re about to see, you can incorporate sex into yoga too?
So, What’s This “Yoga Sex” Thing All About?
GiphyIf you actually took the list of benefits that I just provided seriously, it should make all the sense in the world why yoga would help to improve people’s sex lives. If you’re less stressed, it’s easier to orgasm. If you have less bodily inflammation, sex is more comfortable. If you have a solid immune system, you’re in a better mood for sex. If your body is stronger, you will have more stamina during sex. The more flexible you are, the more sex positions you can try. The better your posture is, the easier it is to breathe deeply (which also increases your chances of climaxing). And if your mental health is in a great state, the more satisfying sex will be for you overall.
Okay, but there’s more. Some studies actually reveal that women who participate in yoga on a regular basis are more easily aroused, lubricate more, and experience less bodily discomfort — and get this, especially if they are over the age of 45. One study even went so far as to reveal that 75 percent of women who did yoga consistently said that they were more satisfied with their sex life than before yoga became a part of their lifestyle. Impressive…impressive indeed.
So, what makes “yoga sex” a thing? Well, it’s basically when people bring standard yoga positions into their sex life. Meaning, it’s not about learning positions that will make you stronger and more flexible in the bedroom beforehand; no, yoga sex is about literally doing yoga while having sex.
For instance, say that your goal for sex is to experience deeper penetration from your partner. A position that you might want to try is the cobra pose (here) where you first get on your stomach and then lift the upper half of your body with your hands while keeping your arms straight. If your partner straddles you, it frees their body up to penetrate you while also stimulating your neck and shoulders with his hands and mouth.
Or, if you like the missionary position yet you want to give it a bit of an upgrade, the bridge pose (here) can make that happen because it’s all about being on your back and then lifting the lower half of your body while your feet are planted on the ground (or your bed if your core is strong and your partner is helping to hold you up). Word on the street is this is a top-tier cunnilingus position. Report back. #wink
Maybe you’ve always wanted to experience a cervical orgasm. Getting on your back and throwing your legs over your head, and then being penetrated is one of the best ways to achieve this goal; that position is called the plow pose (here).
Now that I’ve broken yoga sex down a bit, do you see the potential that it holds? Do you also see how taking up some yoga, outside of sex, could better prep you for yoga sex?
If all of this has piqued your interest, first let me say that there are other traditional yoga positions that would be great for sex too like the forward bend and reclining butterfly (here) or the happy baby and cat-cow (here) — and honestly, that’s only the beginning because, the more confident you become, the more positions you’ll probably want to experiment with. The really awesome thing is, when it comes to yoga sex, positions aren’t the only thing that you can explore; there are different types of yoga sex too. Let’s touch on that briefly as well.
Did You Know That There Are Different Kinds of Yoga Sex?
GiphySo, what do I mean by different types of yoga sex? Great question.
Tantric yoga: This type of yoga focuses on the more spiritual side of intimacy. It does this by incorporating practices that help with meditation (check out “What Exactly Is 'Orgasmic Meditation'?”), flexibility and deep breathing.
Orgasmic yoga:If you want to control your pelvis more, strengthen your core, and become an expert when it comes to breathwork, then orgasmic yoga will be more your speed (for the record, from what I’ve read, belly dancing actually qualifies as a form of orgasmic yoga. Just an FYI).
Kink yoga: If BDSM is your thing, then this is the kind of yoga that you’ve been looking for. The main aim here is to use yoga to get you to become more flexible and more mindful during sex.
When it comes to all three of these, if you live in a major city, there’s a pretty good chance that you can find a class that specializes in them. Otherwise, YouTube has some introductions to all of these too.
3 Tips for Yoga Sex Beginners
GiphyAnd what if yoga sex is something you’re down with yet you’re not sure how to start? Well, here are a few tips that can make even trying yoga sex tonight a more pleasurable experience.
1. Decide on positions beforehand. Good foreplay isn’t just about what you do 15 minutes before intercourse; it’s about getting each other’s minds “right” long before that. So, put your partner in the mood by emailing or texting pictures of some positions you’d like to try. It will get his mind in the mood and his imagination going; it’ll also give you some time to practice (just sayin’).
2. Create a “yoga-like” atmosphere. Listen, one of the key principles of yoga is cultivating an environment for mindfulness and peace. So, if you’re trying to do this with the television on, the kids yelling downstairs, or with your mind on a billion different things, it’s not going to work. You need quiet. You also need a lot of room. You need scents (like lavender, jasmine, vanilla, neroli, or sandalwood) that make you feel calm and relaxed. And you need soft lighting; it brings about a sense of tranquility. What about sounds? Instrumental or nature ones are probably gonna work best because they won’t break your concentration.
3. Always meditate (together) first. You’re kinda gonna miss the whole point of yoga sex if you just walk into your bedroom and immediately get into the downward dog. Remember that mindfulness, peacefulness, and pacing oneself are all benefits of yoga — and meditation is what achieves all of this. Plus, meditation is proven to control anxiety, bring about self-awareness, and even give you a greater attention space. So, before any foreplay even begins, sit on the floor across from your partner, look into each other’s eyes, and breathe, deeply, in and out together, for at least 3-5 minutes. It will bring forth an energy that will make yoga sex — and orgasming — truly incomparable…that’s what my clients tell me anyway. #wink
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It really is so time out for bringing ageism into sex. If the body is able and the spirit is willing, you can be out here rivaling the 20-somethings. Yoga sex is just one option that cosigns on this — and has the data to prove it, chile. Enjoy!
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Featured image by Delmaine Donson/Getty Images