
This Six-Figure Entrepreneur Encourages Women To Invest In Themselves & Their Dreams

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 get it.
As we are out here getting to these coins, I want to ask you all something really quick. If you could write down the first idea that pops into your head, how much is it worth to you? And I am not talking about how much money you THINK people would pay for your idea. But how much money do you honestly believe your idea is worth right now? I ask this because a lot of times, as creatives, when we are coming up with ideas, we struggle with being confident in knowing how valuable they are. Now, no idea is too big or too small. But, with so many possibilities in the world with how you make a statement, it can get a little cloudy with believing that your idea can stand out among the rest.
I believe the trick is to not focus on how much faith you have in other people to buy in, but to focus on having faith in yourself. Do you believe in yourself? Do you believe your idea is valuable because you are valuable? You should always be confident in your capabilities first to really push forward your ideas/dreams. Your ideas are an extension of you, so they will always be pretty expensive. It doesn't matter how you came up with the idea or if you feel it has been done before. When you take a chance on your idea and stay determined to see it through, you are taking a chance on yourself. Every time.
This mindset is something I learned from six-figure entrepreneur Afenya Montgomery. Last year in 2020, I was able to attend an event at a coworking space where I connected with other women who were pursuing different businesses in different industries. It was so amazing listening to all their stories, especially the host, Afenya Montgomery. When we met, I knew we would stay in touch instantly. Now one year later, Afenya reminded me of how important investing in yourself is when it comes to entrepreneurship.
"I'm the kind of investor where I invest in myself and my ideas to watch them grow and flourish. I had this idea and I had to see it through. Nobody wants to look back years later and think, 'I should have done this or that.' I felt like if I was going to bet on anything, I was going to bet on myself. Always remember, when you are putting real money behind an idea, don't be in the talking stage or dating the idea. You have to be married to it."
Courtesy of Afenya Montgomery
Afenya Montgomery, born and raised on the south side of Chicago, started her professional career in the nursing field. Afenya was able to obtain her Master of Nursing degree and an MBA with a focus in executive leadership. In the year of 2017, Afenya felt that it was time for her to pivot. During that time, she started meeting up with her friends at local coffee shops and noticed that there was a lack of resources for people of color in entrepreneurship. That is all it took for Afenya to come up with an idea to help change that problem. Afenya mentions, "The idea began to form that it would be great to create a network of people that could act as accountability partners, potential business collaborators and resources for each other. Our first event was a panel discussion in June 2017 titled, 'Leveraging Your Network to Create Impact,' and we haven't looked back since."
Afenya is now the founder of The iCAN Collective. The iCAN Collective was founded on the pillars of Innovation, Collaboration, Accountability and Network. The iCAN Collective strives to give women a space to build a foundation of collaboration, authentic connections, and support as they blaze new trails on the path of entrepreneurship or in their careers. This company is a collaborative coworking space for women of color entrepreneurs, creatives, and game-changers, where it offers memberships, exclusive events, networking opportunities, and brand packages. Afenya wants to be a resource for creative entrepreneurs and celebrate them for going after their dreams.
When you chase your dreams and execute them no matter what, nobody can tell you nothing.
In this installment of "Money Talks", xoNecole spoke with Afenya Montgomery about how trusting your gut, being strategic, and building your business at your own pace are the keys to creating financial freedom.
xoNecole: How much money do you make in a year? A month?
Afenya: I usually make mid-six figures with my company in a year. My revenue breaks down to making around $15-20K a month.
What do you define as “wealth” vs “success”?
Success for me means you are setting goals for yourself and getting them accomplished. You create these milestones for yourself and they can be small or big. Either way, you are getting them done. As far as wealth, wealth to me is being able to have certain things you want in your life, but more importantly, leaving something behind for your children and building that legacy.
What’s the lowest you’ve ever felt when it comes to your finances?
The lowest point for me was back before I was in nursing school. It was during the Great Recession and I got laid off. At the time, I was a newlywed, I had just bought a house, and I was about to have a baby. So that was when I started to look at money differently. I realized you can't only depend on a job. You need other ways in order to sustain money. I didn't think about entrepreneurship at that time honestly, so what I did was, I started a blog about my journey. Then, I looked at what I was passionate about, what careers aligned with that, and thought about how I can have more control over my money.
How important is investing to you?
I have always been interested in investing and how I can save money better. Even before my company, I would open money marketing accounts and make sure I was smart about utilizing what I had for the things I needed at the time. When it comes to investing, I think it is really important to know which type of investments are right for you. Because let's be real, it is not easy investing thousands of dollars or 500 dollars into something that you want([laughs). I'm the kind of investor where I invest in myself and my ideas to watch them grow and flourish. But it is important to have a diverse portfolio and that you are married to this investment/idea.
When it comes to structuring your business, what are your streams of revenue and how did you go about establishing them?
Prior to having a physical space, The iCAN Collective was about creating workshops and networking events/opportunities for women of color interested in entrepreneurship. I found myself having these events in different spaces and figured why not create a space that was permanent. From there, I wanted to provide different things that a lot of spaces do not offer. So with this space, we provide membership, a coworking atmosphere, host events or intimate gatherings, and we offer brand packages. It's important to have something that is unique and stands out from the rest.
What are some unhealthy habits about money or some unhealthy mindsets about money that you had to let go of to truly prosper?
The first thing I had to change was this mindset about money as if it will never come. My brother would tell me these affirmations stating, "Money is always free-flowing. I am abundant. Money will come my way, etc." Affirming to myself that money is always around me shifted my scarcity mindset. I think a lot of us think about money with this mindset and we cannot continue thinking, 'If I spend this amount or I go after this goal, I will never have money again.'
"Affirming to myself that money is always around me shifted my scarcity mindset. I think a lot of us think about money with this mindset and we cannot continue thinking, 'If I spend this amount or I go after this goal, I will never have money again.'"
Courtesy of Afenya Montgomery
What keeps you motivated?
If you are passionate about something, then build the strategy behind what you want to do. I have heard people say that when it comes to business, do not go after your passion. But why passion is important to me is because that is honestly what keeps me going. If I don't have any interest or drive to be in that space, then I can't innovate in that space. Entrepreneurship is not one of those things where you're going to get a check just for showing up. You have to be really good at what you do and also have passion for it to see it flourish.
What is the most important lesson you’ve learned through being a businessowner?
It is important to be flexible and roll with the punches when you're an entrepreneur. But more importantly, my main lesson has been trusting your gut and trusting God. If God gave you an idea/mission, it is already protected by Him. I always tell people that I never wanted to be an entrepreneur. It was more of a God-given assignment and I have faith in what I am creating to be aligned with my purpose.
What was it like learning to expand your business from one city to multiple cities?
We are looking to expand The iCAN Collective to New York, which is funny because I actually wanted to move to New York when I was 18 years old (laughs). I am so in love with the vibe of New York and I also have family who live there. What I learned about creating a space in a new city is to always poll your people. It is really important to build relationships with the people in the community. I try to look at it through the lens of what I can I bring to this space to support the community the best way I can? I ask myself, what is the main need and what can I provide?
Was it easy to become a well-respected businesswoman in your respective industry or did it take time?
In the beginning, I was letting people know 'ya'll better put some respect on my name' (laughs). The thing about Chicago is that we are known to be a little cliquish. So it is not that I didn't know people in the industry, they just didn't know me. I won't lie, navigating through the industry was hard. I would go to a bunch of events, hand out my business cards, and network, network, network. But as time goes on, you realize that it is not about everyone knowing who you are, it is about the right people knowing who you are. You want to know the people who can speak your name in rooms that matter.
"As time goes on, you realize that it is not about everyone knowing who you are, it is about the right people knowing who you are. You want to know the people who can speak your name in rooms that matter."
Courtesy of Afenya Montgomery
What’s the best advice that you’ve received about finance during your first year of entrepreneurship?
The best advice I think that helped me during my first year is to build slowly. There is this misconception where you see people starting their businesses and everything is happening so fast, so you feel you have to catch up in a sense. But you really have to look at your strategy for your business, intentionally, in order to scale. Another really good piece of advice I received is that, a lot of people talk about an individual having multiple streams of income. But I don't think we talk enough about businesses having multiple streams of income. I have learned that it really helps to diversify what you provide in your business. If you are trying to be a million-dollar business, make sure that every move you make feeds that desire.
To learn more about Afenya, you can follow her on instagram @afenyabsn. You can also check out her business website here.
Featured image courtesy of Afenya Montgomery
'Sistas' Star Skyh Black On The Power Of Hypnotherapy & Emotional Vulnerability For Men
In this insightful episode of the xoMAN podcast, host Kiara Walker talked with Sistas star Skyh Black, as he opened up about his journey of emotional growth, resilience, and self-discovery. The episode touches on emotional availability, self-worth, masculinity, and the importance of therapy in overcoming personal struggles.
Skyh Black on Emotional Availability & Love
On Emotional Availability & Vulnerability
“My wife and I wouldn't be where we are today if both of us weren't emotionally available,” he shared about his wife and Sistas co-star KJ Smith, highlighting the value of vulnerability and emotional openness in a relationship. His approach to masculinity stands in contrast to the traditional, stoic ideals. Skyh is not afraid to embrace softness as part of his emotional expression.
On Overcoming Self-Doubt & Worthiness Issues
Skyh reflected on the self-doubt and worthiness issues that he struggled with, especially early in his career. He opens up about his time in Los Angeles, living what he calls the “LA struggle story”—in a one-bedroom with three roommates—and being homeless three times over the span of 16 years. “I always had this self-sabotaging thought process,” Skyh said. “For me, I feel therapy is essential, period. I have a regular therapist and I go to a hypnotherapist.”
How Therapy Helped Him Heal From Self-Doubt
On Hypnotherapy & Empowering Self-Acceptance
Skyh’s journey is a testament to the power of tapping into self-development despite life’s struggles and being open to growth. “I had to submit to the fact that God was doing good in my life, and that I'm worthy of it. I had a worthiness issue and I did not realize that. So, that’s what the hypnotherapy did. It brought me back to the core. What is wrong so that I can fix it?”
Watch the full podcast episode below:
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Pack A Travel Case With These 12 Items For Amazing 'Summer Vacation Sex'
It’s kind of funny that while I’m literally in the process of writing this article, the Los Angeles Times published “How to get lucky on your family vacation” hours prior. LOL. Although this year marks a bit of a dip in the amount of Americans who plan on taking a summer vacation (because this administration ain’t making coin-keeping easy, y’all) — it’s still being reported that around 53 percent will do so in the name of rest, relaxation and spending quality time with their loved ones.
And for many, the loved ones category absolutely includes their bae. And if that is the case, that probably means that sex is somewhere on the menu.
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
It 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
If 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
I’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
Packing 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
If 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
Who 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
Speaking 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
I 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
Going 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
Say 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
I 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
Morning 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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