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
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Yep. I actually read one survey (that consisted of 2,000 people) that said folks tend to have twice as much sex while they are on vacation than they do when they’re at home. It makes sense too when you factor in that you have less to do (unless you’re traveling with those folks who act like you need an itinerary for every damn thing — and we all know one…SMDH), which makes you less stressed out, which makes it easier to feel sexy and to want to get sexual.
And so, in the spirit of that indeed being the case, I want to make sure that you carve out a corner of your suitcase or carry-on to include at least half of the following 12 things that are on this list — things that can help to make “summer vacation sex”…that much hotter, y’all.
1. Edible-Grade Sunscreen
GiphyIt can’t be said enough that, no matter how melanated you may be, your skin needs sunscreen. Not only to protect yourself from the risk of skin cancer (which 1 in 5 Americans will get in their lifetime) but from premature aging that can come from sun damage too. That said, if the urge arises to have sex outside somewhere, I did find some edible-grade sunscreen, in case you’re either worried about what sex in the sun will do to your skin or how all of the chemicals in sunscreen will affect your (digestive) system. The company is called Sky & Sol and you can read up on them here.
2. Flavored Lip Balm
GiphyIf you’ve ever wondered why your lips are so susceptible to being chapped, it’s because they don’t contain any oil glans to keep them moisturized. This is especially important to keep in mind when the weather is extremely cold or hot because that can do a real number on the sensitive skin that your lips are made out of. That’s why it’s essential to stay well-hydrated and to also keep some lip balm in tow. Lip balm is especially designed to moisturize your lips, reduce chapping, exfoliate, soothe irritation and protect your lips from UV damage. As a bonus, lip balm will also help to keep your lips super soft and kissable; especially if you get the flavored kind. #wink
3. Condoms
GiphyI’m still out here, literally shaking my damn head, that reportedly, only one-third of men and one-fourth of women use condoms (and even many of those folks don’t do it consistently). It can’t be said enough that if you’re not in a monogamous (married) or exclusive (dating) relationship where you both are getting regularly tested and are on some other form of birth control (unless you want to get pregnant) — you absolutely should be using condoms and, as a woman, you should not solely rely on your partner to have some that are ready and available.
Not just because you should be responsible for your body and health but because not all condoms are made equal, so you should bring along some that you prefer/enjoy. If you’d like a lil’ help picking those out, check out “These Are The Kinds Of Condoms Your Vagina Would Actually Prefer.”
4. Crotchless Swimsuit
GiphyPacking some sexy lingerie? I certainly hope that goes without saying. If you’ve got a hot tub around, though and you want to “get it in” without getting totally naked (so that nosey people won’t see every damn thing), you do know that there are some crotchless swimsuits out in these streets, right? An example of one is here. Of course, you can always do what Beyoncé said in “Drunk in Love” and just move ish over to the side but…I’m just giving you another creative option…if you wanted one.
5. Blindfolds
GiphyIf you’d like to cultivate an atmosphere of mystery or anticipation, a simple blindfold will do the trick. There is another reason why I think they are great for summer vacation (sex) trips, though — if your hotel room doesn’t come with blackout curtains and you want to have a quickie or two without the room being so bright, putting on a blindfold can solve that “problem” too.
6. Waterproof Sex Toys
GiphyWho said that you have to wait until you get to your hotel room to engage in some foreplay? If you bring a couple of sex toys around, you can tease each other practically anywhere — and if they are waterproof, that includes in the ocean or pool. Some, you can pair up with your smartphone in order to stimulate your partner from just about anywhere. Whew, chile.
7. Homemade Sex Toys Too
GiphySpeaking of sex toys, you’d probably be amazed at how many things in your house can double up as one. A spatula or wooden spoon is great for spanking. A necktie, some tights and a pair of clothespins work well for BDSM (use your imagination, sis). An electronic toothbrush is its own vibrator. A string of (lubricated) pearls in between your thighs? Girrrl…GIRL. Oh, and cop a silicone ice tray that comes in different shapes.
When you are rubbing ice in the shape of fruit, flowers or even animals over each other’s bodies, you’ll be surprised by how the combination of the cold with the texture of the space of the ice will stimulate you (make the ice out of juice instead of water for an extra sweet treat!).
8. Portable Charger
GiphyI don’t know what took me so long to get a damn portable charger but it’s one of the best things that ever happened to me. What I personally purchased is the ANKER Zolo Power Bank, 20,000mAh 30W High-Speed Portable Charger. I can throw it in my purse, it charges fast, I can use more than once before needing to recharge it; plus, it complements most devices. A great thing to keep in mind, so that your sex toys don’t end up going out on you while you’re…wherever you are.
9. Massage Oil Candle
GiphyGoing through security at the airport can be a HEADACHE. And while, how long it can take, oftentimes varies on the airport you’re at and the time you are traveling (you can read more about that here), the process is going to be especially annoying if they have to go through your bags. Since you can currently only pack a quarter-sized bag of liquid products on your carry-on, my two cents would be to leave the massage oil at home and pack a massage oil candle instead.
That way, you can still engage in some temperature play (check out “Hot Sex: 10 Super Sultry Reasons To Bring Wax Play Into Your Bedroom”) while you’re on the road without going through any security hassle hang-ups. Some edible massage oil candles are located right here.
10. Wine Cooler Sleeve
GiphySay that you end up going on a wine tasting tour while you’re on vacation and you end up purchasing a bottle or you simply want to toast with some champagne but you’re not sure how to store the bottle. Did you know that there are wine cooler sleeves that are lightweight, portable and will help to keep your bottles cold without condensation for hours on end? A brand that comes highly recommended is here.
11. Rose Petals
GiphyI think there are a few reasons why rose petals are oftentimes used to create a sexy mood. Red symbolizes love and passion. Rose petals are soft to the touch. The scent of them is considered to be an aphrodisiac as well. For all of these reasons, bring along some fresh rose petals for your hotel bed. If you put a damp paper towel in something like a small Tupperware container and then place the rose petals inside of that, they won’t dry out quickly which will make them feel great once you’re ready to start rolling around in them (you can also keep them in your hotel room’s fridge to further extend their shelf life).
12. Mints
GiphyMorning sex. Outdoor sex. Whatever kind of sex — it’s always going to be better when your breath and his smell good. And just so you don’t have to lug around a big bottle of mouthwash, pack some mints. Altoids are always going to be my number one draft pick — yet go with whatever are your personal faves. They’re the perfect hack for unbelievable summer vacation sex. Wouldn’t you agree? Enjoy!
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Featured image by Giphy