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
Exclusive: Melanie Fiona On Making High-Vibrational Music & Saying Yes To Partnership
Melanie Fiona is back! After taking a little more than a decade-long hiatus, she has officially made her return to music and blessed us with two singles, “Say Yes” and “I Choose You.” While both singles are very different from each other, they both reflect who she is today and the type of music she wants to make. In our conversation, the mom of two expressed what she learned during her time away.
“It's interesting, even when I said it is like coming back, I don't ever feel like I really left because I was always still performing. I've still been public. It's not like I went into being this recluse person or version of myself, but the thing that I really learned in this process is that I think things take time,” Melanie says in a xoNecole exclusive.
“I think often we're so caught up in it, being on the timing of demand or popularity, or, like, striking while the iron is hot and the thing that I've learned is that everything is on God's time. That's it. Every time I thought I would have been ready, or, like, things were taking too long, I had to reship some things, personally, professionally, in my life. I also gave myself permission to make a living, not just make a living, but make a life for myself.”
Making a life for herself included getting married to Grammy-nominated songwriter Jared Cotter, starting a family, and embracing new landscapes, such as podcasting as a co-host of The Mama’s Den podcast. She also began doing more spiritual work and self-care practices like meditation, sound healing, Reiki, acupuncture, and boundary setting, which allowed her to get in touch with her inner voice.
“I wasn't putting out music, and I wasn't experiencing a number one record, but I was being a number one mom,” she says.
“I was experiencing things that were allowing me to heal and get in touch with myself so that I could make new music from a space of joy and freedom, and excitement again because I definitely feel like I did lose some excitement because of just politics and industry and what it can do to your mental health and even your physical health. So giving myself the space to really just say, ‘Hey, it's okay. Everything's right on time.’”
The joy and excitement are felt in one of two new singles, “I Choose You,” which is more of a lovers rock vibe, a tribute to Melanie’s Caribbean roots. While the Grammy award-winner is known for ballads like “It Kills Me” and “Fool For You,” she is becoming more intentional about the music she makes, calling it high-vibrational music. She says her music is a “reflection of my life,” as it captures every facet, from hanging out with friends to riding around in her car.
“Say Yes” has the classic R&B vibe Melanie is known for. However, both songs are inspired by her relationship. Melanie and Jared got married in December 2020, and the Toronto-bred artist dished on their relationship. Fun fact: he is featured in the “Say Yes” music video.
“When we first started dating, I had come into that relationship post a lot of self-work. I had gotten out of a long-term relationship, I had a year and a half to date and be by myself and do a lot of work on myself alone. And when we met, I remember feeling like this has to be my person because I feel it,” she says.
“And so when we went into that relationship, and we started dating, I was very clear. I was like, I know what I want. I'm very clear on what I need, and I'm not going to withhold my truth about myself in this process because of pride or fear of rejection. I know you love me, but I'm coming with my heart in my hand to let you know that if we're gonna get there, we have to put fear aside and say yes. So that was kind of like my open letter to him, which is why the video is us having a conversation.”
Melanie also shares that saying yes to her partner has empowered her in many ways, including motherhood and showing up for herself. Her new EP, also titled Say Yes, will be available at the top of 2025.
Check out the full interview below.
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Feature image by Franco Zulueta
Although I’m not exactly sure that writing about sex as much as I do was on my life’s work bingo card back in the day, I must admit that it has always been a topic that has fascinated me. I think it’s because, even though society likes to gaslight us by acting like the act is “no biggie,” there is way too much data out here that says otherwise. Hmph. Not like I needed the data in the first place because, in my opinion, any act that is responsible for creating life, that is something that is a pretty BIG deal.
So, today? Today, we’re going to tackle how sex impacts us when it comes to our energy fields. What (mostly) inspired this is once reading a science-based article about how it is a fact and not a myth that just like plants can absorb energy from other plants, humans can do the same thing by being in the space of other human beings. And when you stop to really think about it, doesn’t that make all of the sense in the world?
Otherwise, there wouldn’t be terms out here like “peer pressure” and big grown folks wouldn’t be out here trying to look and act just like some of their favorite celebrities or IG influencers (and yet, on that point, I digress).
So, since energy impacts us in some pretty significant ways, let’s take a few moments to see how it goes down when it comes to copulation — just so that you’re (even more) aware of what you’re getting yourself into when you “do the do,” as far as your personal energy space is concerned.
Energy. Revisited.
GiphyOkay, so before we get all up in how energy is exchanged during sexual activity, what is energy as it relates to human beings, in general? Well, in some ways, it all depends on who you ask. For instance, the famed Greek philosopher Aristotle once said that energy is about having the capacity to do something. Some medical experts say that energy is all about how something impacts you on a mental or physical level.
For instance, negative energy tends to be very heavy and draining while positive energy can increase feel-good chemicals throughout your system which makes it easier for you to do things like be creative and problem-solve. Something else that I think is important to keep in mind as far as human energy goes is it’s impacted by a myriad of things including a person’s stress levels, how healthy a person is, what their life choices are (as far as how their decisions influence them) and even what their sleep patterns are like.
And if all of this is true, then something else that Aristotle once said about energy would be beyond accurate: “The energy of the mind is the essence of life.”
Energy is life. Whew, so if this is indeed the case, does this mean that when you choose to have sex with someone, you are sharing your life force — whatever state that may be — with someone as they are doing the same to/for/with you? YES.
What Does It Mean to Exchange Sexual Energy?
GiphySince I grew up in an entertainment industry household, I think that’s probably why I’ve ended up with some close friends who are in the industry as well. That said, I will never forget when I was talking to one of them one day about a particular artist. When I expressed how much sex appeal that she had, my (male) friend simply said, “Yeah, I’ve been in her presence a few times before. She has some really dark energy. I didn’t even hug her.”
Now from a scientific standpoint, dark energy is simply what causes the universe to accelerate in growth over a certain period of time; however, when a person is described to have dark energy, that usually means that they have an evil and/or negative and/or heavy and/or draining aura about them. And y’all, here’s what’s semi-wild about what he said: did you know that science backs that hugs do indeed transfer energy?
Yep, research reveals that a hug from someone can literally alter your brain and body chemistry — so you definitely need to be discerning about who you let up into your affection space. Straight up. And so, since a hug has the capacity to do that, how much more can SEX?
To further emphasize this, let’s begin with an article that I read on Healthline’s website entitled, “Do We Really Exchange Energy During Sex?” After checking it out, one of the main things that I appreciated was when a doctor who was interviewed for the piece said:
“Every sex act is an exchange of energy [because] every sexual act raises or lowers your energy level…Therefore, a sexual relationship isn’t a purely psychological or physiological, mechanical act…Rather, it’s an energetic action. When we have an intimate relationship with someone, the two energies merge.”
Okay, so according to science, when two people have sex, energies merge. Well, according to Scripture, when two people have sex, oneness transpires (Genesis 2:24-25). Let’s keep going.
There was once a Physician-scientist by the name of Wilhelm Reich (who actually died in prison, in part, because of his radical beliefs on sex and orgasms during his time), who once said that having a healthy sex life (which, to him, including orgasms and is what he referred to as “orgastic potency”) is what played a huge role in one’s emotional health and well-being. That’s because, to him, without the release of sexual energy, neurological disorders would be come to be.
My takeaway from this is when you think about the fact that things like serotonin, dopamine, and the “the bonding chemical” oxytocin are all released during sex (and most certainly during orgasms), and also since sex (and orgasms) reduce stress — you need to tend to your sexual energy for the sake of your holistic health. Let’s continue on.
After reading an article on sexual energy on Cosmo’s website in which one of the sex therapists said that “our sexuality is our power" and then reading an article on the same topic on Well + Good’s platform where another expert stated that, “Many belief systems believe sexual energy is an expression of the soul's connection to the cosmos and the rest of the universe”, I thought about the word “power” and then “soul connection.”
At the end of the day, power isn’t just ability but the capability to influence and even take authority over something or someone. And a soul connection? Several years ago, when I penned a piece for the platform entitled, “I’ve Got Some Ways For You To Start Pampering Your Soul,” one of the things that I made sure to emphasize is your soul IS also your life. This means that soul connections are life connections.
And so, it would appear that sharing sexual energy also means that you are making a life connection with someone. And that type of connection has the power to influence you in ways that you couldn’t even begin to imagine. That is how deep exchanging sexual energy is.
What You Should Always Keep in Mind Before Sharing Sexual Energy with Someone Else
GiphyNow are there degrees to this whole sexual energy thing? Of course. The type of connection that a husband and wife of 20 years can make via sex is very different than a one-night stand. However, it would appear that science believes that it doesn’t really matter what you tell yourself about sex with someone (or even how many condoms you may use during sex) — potent energy is exchanged regardless.
That’s a huge part of the reason why I will forever roll my eyes about how ridiculous “casual sex” sounds to me, because, although I do believe that it is very possible to engage in coitus that has no real purpose (casual is purposeless, by definition), what isn’t possible is for there not to be a significant connection made from a scientific standpoint. Because again, if a mere hug can alter you (shoot, a handshake too), do you really think that allowing a man’s penis into the sacred space known as your vagina will not? After reading all of this…do you really?
When it comes to energy, author T. Harv Eker once said, “Energy is contagious: either you affect people or you infect people.” With all that was just shared about sexual energy, each and every person you choose to “engage” with, they are either going to affect you or infect you — just with their energy alone.
Knowing this, if there was ever a time to choose wisely, this would be it.
Your energy is your power. Who you exchange power with? CHOOSE WISELY.
EVERY. SINGLE. PERSON.
And because energy can shift…be cognizant of what you’re doing…EVERY. SINGLE. TIME.
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Featured image by Giphy