
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
Roscoe Dash joined xoMan host Kiara Walker to share the journey of his personal and spiritual evolution—from the party anthems that made him famous to a deeper life rooted in faith, family, and purpose. This episode offers an honest look at how the artist has grown beyond early fame, addressing fatherhood, masculinity, creativity, and healing.
Dash opened up about the internal transformation that has guided him away from chasing the spotlight and toward seeking peace. “Faith and fear can’t occupy the same space,” he said, underscoring his shift toward a more spiritually grounded life. Throughout the interview, he emphasized the importance of self-reflection:
“The most important conversations to me, honestly, outside of the ones you have with God, is the ones you have with yourself in the mirror.”
Dash is focused on the man he’s become. “I’m not the accolades I’ve achieved—I’m the person who achieved them,” he added, pointing to a broader understanding of identity and worth. A large part of that growth has come through fatherhood, especially raising daughters, which he said has deepened his understanding of love. “Love is unconditional and love loves to love no matter what,” he shared.
He also spoke candidly about the pressures of fame and its impact on creativity. “Chasing fame can kill your creativity as a musician,” he warns. Instead, his advice to other artists is simple but clear: “Keep your focus on your art form, whatever that may be, and stay passionate.”
The conversation also touches on gender dynamics and emotional safety in relationships. “Safe men make soft women. If she feels safe, she’ll melt like butter,” he said, challenging traditional notions of masculinity. Roscoe also offers wisdom on discernment and spiritual testing: “Sometimes the devil will give you what looks better than your blessing.”
Ultimately, Dash has learned to embrace peace over chaos. “All I can do is control what I can control. And that's how I respond to things and what I'm giving out,” he said. It’s a thoughtful, soulful side of Roscoe Dash that many may not expect—but one that leaves a lasting impression.
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.
Featured image by xoNecole/YouTube
I Tried It: 3 Low-Maintenance Wigs That Will Elevate Your Look This Season
There's nothing like the feeling you get when your hair is done. It can instantly boost your confidence and put you in a great mood. I've never been a stranger to hair trends and I often experiment with the latest braided styles and colors.
But there are moments when I just don't feel like doing my hair. I'm natural and a lot of times I will braid or twist my hair up and cover it with a scarf or turban. However, when I crave a different look without the hassle of styling, I reach for a wig.
I've always had a love-hate relationship with wigs. Sometimes, I struggle to get them to lay flat and don't get me started with the bonding glue process. So when it comes to wearing wigs, I like to keep it nice and breezy around this b--- (word to Katt Williams), especially in the summertime.
That's why I jumped at the chance to try these three versatile wigs from Luvme Hair. Each one offers a unique look and is surprisingly low maintenance, which aligns perfectly with my philosophy that wearing wigs should make life easier. Let’s dive into the three styles below.
Headband Wig
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This was the first wig I tried on, and I instantly fell in love with it. So much so that it took me weeks to even consider trying the other two. I’m partial to colored hair, especially blonds, browns, and reds, so I was skeptical about the jet black hair. However, I think the color, combined with the curl pattern, worked surprisingly well for me.
One of the things I really liked about this wig was that I didn’t have to braid my hair down first. I could simply throw it over a low ponytail, which is the epitome of a low-maintenance style. The headband has combs inside and velcro on the ends, ensuring a secure fit.
Half Wig
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I had never worn a half wig before, so I faced some challenges. I cornrowed the bottom half of my hair where the wig would sit, but I believe this made it more difficult to use the combs. It might just be me though. I straightened the top part of my hair to blend it with the wig, which looked cute for about five minutes.
Firstly, I have a brown/blonde color mix on the ends of my hair, and the half wig is black. So, I had to hide some of the color (I didn’t have time to dye the wig). Secondly, straightening my hair myself is always a hassle because it never lasts long. Add to that the summer humidity, and you get a hot mess. Despite all this, I managed to get some cute pictures before things got out of control, and that’s all that matters, right?
Would I consider this a low-maintenance hair style? Yes and no. I think it’s unrealistic for me during the summer, especially since I enjoy summer activities. However, when the weather cools down, I’ll definitely rock it, dyed, of course.
Bob
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Now, this is the wig I was nervous about. I never had a bob and I didn't think I would like it. But once I put bobiana on, my mind instantly changed. I finally understood why the gworls rave about the bob so much. It was giving boss. It was giving grown woman. It was giving the bob means business. Iykyk. It was the ultimate statement.
I will say when I first put it on, one side of my wig just would not lay flat. It took some trial and error, but I finally managed to get it to look good. With the bob, I highly recommend braiding your hair down first as small as you can so it can lay as flat as possible. I really liked the ash blonde color, which is perfect for summer. The length also makes it a great low-maintenance style for the season, so you don't have to worry about the hair making your neck sweaty.
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