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.
Self-proclaimed "Olivia Pope of Branding" Timeesha Duncan is no stranger to saving her finances. With a savings plan incorporating putting away 20% of what she earns per month into her savings, which she invests into a high-yield savings account, this personal brand strategist and experiential consultant is successfully developing generational wealth. Today, Timeesha is recognized as an international best-selling author, serial entrepreneur, brand marketing expert and educator who helps transform their ideas into income, monetize their genius, build strong sense of communities and social impact through leadership.
The Atlanta, Georgia resident by way of Bronx, New York has a strong belief that people should quit codependency when it comes to relying on others to fill financial gaps and not relying too much on the social security boat to pull into the dock. By building a lucrative Instagram brand and parlaying that into public speaking, writing and coaching, Timeesha left the C-Suite of Coca-Cola after her nine-year tenure to rake in the profits for herself and her family - ultimately taking control of her income and her finances by the reins. She is currently a podcast host alongside her husband on Fix My Brand and co-founder of national workshops The Mogul Builder and The Bombshell Experience.
In this installment of "Money Talks", xoNecole spoke with Timeesha Duncan on letting go of unhealthy money mindsets, wealth being more than having physical capital and splurging on a coach to elevate her business.
Courtesy of Timeesha Duncan
On her definitions of wealth and success:
"Wealth to me is not just having physical capital, but having worth, assets, and possessions that accumulate value over time. Success is being able to accomplish things that make you happy. It's not about reaching a certain level of income or status. If you are happy at what you've accomplished, you're successful."
On the lowest she’s ever felt when it came to her finances and how she overcame it:
"Three weeks after I left my corporate job, I made $12,000 from an online course I created. It felt awesome. However, my next course flopped. I had put in all this work and not a single person bought the course. Right around the same time, my mortgage was due and I had -$67 in the bank. I didn't have another product to sell, no income and no hope. I would literally just stare at my computer hoping some bright idea would fall from the sky to help get me back on track but it didn't. I would look at others in my industry, who appeared to be killing it, and yet I was sitting on the sidelines. I went into a deep depression. I was stuck and couldn't get out of it. My ability to create was gone. I started to regret the decision I made to quit my job. I lost my motivation and had to file for unemployment to help me get back on my feet.
"My mind wanted to give up, but my heart kept tugging at me to keep going. My family pushed me to rediscover my talents, stop feeling sorry for myself, and get to work. I started revisiting comments, and emails from previous clients on how I helped shape their business and changed their lives. This helped to recharge me. So I decided to give it another shot. The next course I created made over $25K which was double what I made the last time. That was the reassurance I needed to keep going."
On her biggest splurge to date:
"I spent over $60K on a coach to help me grow my business. I was excited about working with this particular coach because I felt she could take my brand to superstar status."
Courtesy of Timeesha Duncan
"I made $12,000 from an online course I created. It felt awesome. However, my next course flopped. I had put in all this work and not a single person bought the course. Right around the same time, my mortgage was due and I had -$67 in the bank. I didn't have another product to sell, no income and no hope. I would literally just stare at my computer hoping some bright idea would fall from the sky to help get me back on track but it didn't. I would look at others in my industry, who appeared to be killing it, and yet I was sitting on the sidelines. I went into a deep depression. I was stuck and couldn't get out of it."
On whether she’s a spender or a saver:
"I'm definitely a spender. I have always had a hard time saving money. If I see something I want, I buy it. I learned over the years that I had a bad relationship with money and I needed to reverse it or I would be broke forever (laughs). I love money and numbers but not accounting."
On her savings goals and what retirement looks like to her:
"I want to be able to save at least $15K-$30K each month. Retirement looks like me having seven-figures in the bank, several investment properties, and a house on a beach."
On the importance of investing:
"Investing is very important to me because I don't want my children to ever need or want for anything if something happens to me. I've had investment properties in the past and currently looking for more to acquire, and recently started investing in stocks and trading."
On her budget-friendly must-haves:
"I'm actually a budgetnista. I enjoy finding great things on a budget. I shop at thrift stores a lot to find low-cost, one-of-a-kind items. My press-on nails are my biggest budget must-have. I can't live without them. I have been wearing press-on nails for over a year now which has saved me about $720/year on getting my nails done twice a month. I used to also spend about $300/month on my lashes. I found the perfect lash strips from Walmart that cost me $4.88 and those are also a must-have. I check Amazon first before I buy anything, which also helps to save on items."
Courtesy of Timeesha Duncan
"My intention behind having multiple ways to make money came from me not wanting to run out of it. As a business owner, I realize that every business has seasons. When I started my business I only had one offer, and when that 'season' was slow, I wasn't making any money. So I needed to create different ways for others to work with me. I also wanted to meet my clients where they were."
On her intentions behind multiple streams of income:
"I provide 1-1 coaching, which is a more personal experience for my VIP clients and corporations, I also have online courses, books, a membership program, speaking engagements, and brand sponsorships. My intention behind having multiple ways to make money came from me not wanting to run out of it. As a business owner, I realize that every business has seasons. When I started my business I only had one offer, and when that 'season' was slow, I wasn't making any money. So I needed to create different ways for others to work with me. I also wanted to meet my clients where they were. Some are not ready for the 1-1 experience just yet and want other ways to experience working with me."
On unhealthy money habits and mindsets:
"I always looked at money as 'the root of all evil', or that money was limited because 'money doesn't grow on trees'. And therefore, subconsciously I felt bad when I made a lot of money. Maybe that's why I could never keep it. I eventually realized that those are not true and were just sayings that were fed to me by my parents because that's what was told to them. Changing my view of money and inviting it into my atmosphere, instead of pushing it away has truly helped me to prosper. I started making more money and it would come from places I wouldn't even expect. When I'm closed off, the money faucet closes too."
On her money mantra:
"You only live once. Buy the shoes."
On the craziest thing she’s ever done for money:
"I was hosting a conference and didn't have enough money to pay for all the expenses so I took out a title loan on my car. I regretted that because the interest rate was super high, and I never paid the loan off. It took me years to get my title back."
On the worst money-related decision she’s ever made:
"Investing $60K in a coach. I wouldn't say it was the worst decision I made, but I honestly wasn't ready for that type of coach. I invested the money because I thought this person was going to give me a 'magic pill' to success. It took a while before I realized there is no such thing as a magic pill. I would have invested that money so differently, if I had hindsight 20/20 back then."
Courtesy of Timeesha Duncan
"Changing my view of money and inviting it into my atmosphere, instead of pushing it away has truly helped me to prosper. I started making more money and it would come from places I wouldn't even expect. When I'm closed off, the money faucet closes too."
On her budget breakdown:
How much do you spend on eating out/ordering in?
"I love to cook, but staying in the house for six months has me tired of looking at (and cleaning) my stove. We've been ordering out a lot lately. So feeding a family of four a couple of times a week is about $125."
Gas/car note?
"Excited that I will be paying off my S550 this month, so goodbye car note! Corona has helped a lot with keeping gas expenses down, but it's about $60 to fill up with premium gas, so I would say about $120 -$150 a month."
Personal expenses?
"Massage Membership, $100/month. Pedicure every two weeks, $50/month. Eyebrows maintenance every two weeks, $20/month. Haircuts and products, $75/month. Drinks with the girls twice a month, $100. If Amazon or Sephora bullies me into buying something I don't need, $100/month."
For more of Timeesha, follow her on Instagram.
Featured image courtesy of Timeesha Duncan
Originally published in September 2020
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.
As the co-owner and Marketing-Logistics Director of Atlanta's own Transformations Beauty Studio with her twin sister Derricka, Erricka Traylor is sure to know a thing or two about money management and financial wellness. After losing nearly everything after an engagement gone wrong, the Atlanta native had to learn the hard way through experience that having everything tied to someone you aren't bonded to by marriage is not always the ideal route to take.
Following financial hardship and the ultimate heartbreak, Transformations Beauty Studio was born and thus a monthly six-figure income followed. "I save 35 percent of my income each month. In order to save this, I set a weekly budget for spending. Use my calendar to view any travel and about my spending as needed so that I hit my goal," Traylor shared with xoNecole. Though she saves with a high-yield savings account, she told xoNecole that she opts to use CapitalOne. "They are known for taking care of their existing customers. Most banks give you a great rate coming in but it drops after six months."
Courtesy of UMGMT Strategic Communications & Public Relations
In this installment of "Money Talks", xoNecole spoke with Traylor about purchasing a brand new car on a random Tuesday without consulting anyone, the simplicity of her savings goals and the importance of her multiple income streams.
On her definitions of wealth and success:
"Wealth, to me, is defined as having balance in my life. What I mean by that is having excellent health, freedom when it comes to spending, using my time wisely, and most importantly, leaving a legacy for my family. I define success as facing your biggest challenge or fear and overcoming it. Success is going after your goals and never giving up, no matter how hard things get. Success is also about making a better choice in life and leading by example."
On the lowest she’s ever felt when it came to her finances and how she overcame it:
"The lowest I ever felt about my finances was after a breakup. I was in a long-term relationship, and we had tied a lot of finances up together. After the breakup, I lost out on a lot of my savings and assets. I felt low because I didn't make sure that I would be financially OK if we decided to split. It made me feel low and upset with myself because I knew better. Unfortunately, at that time, I didn't do the right thing to secure myself. I overcame it by going back to the basics. Watching my spending, saving money and investing money in a business that will help me increase my revenue. The most critical component was I changed my mindset. I no longer felt upset and low. I felt empowered to do it right this time around for myself."
On her biggest splurge to date:
"My biggest splurge was purchasing a new car. It was the first car I purchased without anyone's money or input. I purchased my car on a random Tuesday. I was over my current car and just ready for a change. My previous car was goldfish tan and it wasn't a car that I really wanted. I was so determined to get me a new car that day. I literally pulled up to the dealership with no appointment two hours before they closed. I already knew which car I wanted and color. When I spent the $32,000 on my car, I was nervous but I also felt good at the same time. It was my mark of financial growth and independence. I was able to see that I can and will accomplish goals if I stay focused on the goal and plan. I was so happy."
Courtesy of Milan Mobley
"When I spent the $32,000 on my car, I was nervous but I also felt good at the same time. It was my mark of financial growth and independence. I was able to see that I can and will accomplish goals if I stay focused on the goal and plan. I was so happy."
On whether she’s a spender or a saver:
"I consider myself a saver nowadays. When I was younger, I was a spender! I trained my mind to start to think of my future, [to] think of my family and what I can provide them with. I gave myself small goals and advanced over time. Now it's just routine."
On the importance of investing:
"To me, investment is essential. I invest conservatively in stock. I have restricted stock, preferred stock, brokerage CD. I also invest in the business to help grow my income and savings. My business investments are hiring the right people. For each new person added, we spend money on training, payroll, marketing etc. Investing in my company marketing and advertising is also a strategic investment that I use to gain more revenue."
On her savings goals and what retirement looks like to her:
"My saving goal is simple. Save enough money to have financial freedom before and after retirement. Retirement for me is on track and closely watched."
On her budgeting must-haves:
"My must-haves are housing, utilities, entertainment, groceries, transportation, self-pampering. I use Mint to help guide me with my personal finances. The system is easy and it keeps me on track with my goals and budget. I also write things down the old fashioned way. The first thing I do is take my savings percentage and put it towards my savings. Then I write out my essential bills for the month and subtract it from my monthly income. I then write out my other finances like entertainment, etc and go from there. I also add to an emergency account for small emergencies. I do this every month to keep things right and tight."
On unhealthy money habits and mindsets:
"Some unhealthy mindsets that I had to let go of were shopping all the time for clothing [and] not sticking to my savings goal. Also cutting down on eating out so much. My mindset changed and then my bank account grew and my will power got healthy."
On the worst money-related decision she’s ever made:
"The worst money-related decision I made was tying all my money and assets with someone just because I was in a relationship with them. This was a very bad decision that I made at the time. I didn't do the right thing with my money. It's like I just gave it away in a sense. I made costly business decisions and didn't think about the consequences that I may face. I learned a valuable lesson to read over every contract, review the pros and cons, and think about the what ifs. If I had done this, it would have saved my 10s of thousands of dollars."
On her intentions behind multiple streams of revenue:
"My streams of revenue are product revenue, salon revenue, [and] spa revenue. I started each one at different times during my career. One reason why was because I had to build up my income. Each one of my new business revenue helps start the next one. It was important to me to start another stream because, number one, I wanted to grow my business as much as possible and, number two, I wanted to grow my income. Having these different streams of income taught me to be more flexible, organized and it gives me a sense of security In finances."
Courtesy of Milan Mobley
"My streams of revenue are product revenue, salon revenue, and spa revenue. Having these different streams of income taught me to be more flexible, organized and it gives me a sense of security In finances."
On her money mantra:
"I am worthy of all the richness I desire."
On her budget breakdown:
Rent/mortgage?
"$1,600 mortgage."
Eating out/ordering in?
"$200/month."
Gas/car note?
"No car note, but gas is probably $150 a month."
Personal expenses?
"Maybe $200 per month."
For more information on Erica, follow her on Instagram and The Body Transformer's Studio official Instagram account.
Featured photos courtesy of UMGMT Strategic Communications & Public Relations
In About Face, xoNecole gets the 411 on IGers who give us #skincaregoals on the daily. Here they break down their beauty routines on the inside and out, as well as the highly coveted products that grace their shelves and their skin.
I remember watching Cycle 4 of America's Next Top Model like it was yesterday. My mother would let me stay up just a few hours later than my scheduled bedtime so we could watch Tyra Banks' worldwide phenomenon and cheer on our home favorite. From the moment I was introduced to Naima Mora, I was intrigued by her ambiguity, mysterious nature, and sweet aura in comparison to some of her other competitors. Needless to say, when she reigned victorious as the cycle winner, I couldn't have been more thrilled. Who would have thought that 15 years later, I would be on a Zoom call with her to talk about all things beauty and skincare?
I logged into my Zoom conference room and turned my camera on only for the 36-year-old "Model Know How" workshop founder to sign in a few minutes later. It was almost as though time stood still and the Model Behavior author looked exactly the same from when she was 21 years old on the reality television show. "I got my makeup done. I'm looking cute," she said with a giggle after telling me she had just wrapped up a morning show based in Sacramento. With her face naturally beat and her voice as soft and melodic as it was on the UPN when I was 10 years old, she and I were both ready to get this conversation started about all things beauty, skincare and the world of the modeling industry.
In this installment of xoNecole's About Face, the New York-based EMG Models signee talks about using a hydrating mist when she travels, her memories of painting her white cat with lipstick as a kid and supporting her good friend Miranda Kerr's skincare line.
How my view on beauty and skincare changed over the years…
"I thought you didn't have to pay too much attention to your skin and it was supposed to be naturally flawless. I realize now that it's the largest organ in our body, it changes all the time, and it evolves as well, so it requires some pampering and care. I realized that beauty rest is an actual thing!
"Working in the modeling industry can sometimes be very challenging because it's an industry that's based on perceptions of beauty. For a long time, I felt like what I looked like and what I had to offer the industry didn't necessarily fit in, but that was when I first started modeling. Now, the industry has totally changed and all types of beauty are being celebrated. There's so much diversity and inclusion, and I love working with the brands that I work with because they just want to celebrate people for who they are."
Image via Instagram/NaimaMora
My morning routine consists of....
"My mornings are different every day. Sometimes I'm waking up super early—like 5 am—to get to a photo shoot by 7 am. Other days, I'll make it to the gym, which is also a big part of my job: keeping in shape and keeping fit. I give my 'Model Know How' classes twice a week on the weekends, which is really cool. [My routine] really depends because I'm doing business meetings throughout the day and I'm writing throughout the day. I'm [working on] a one-woman show with a director I really love. It's different every day, but I definitely keep myself really busy."
My AM skincare routine looks like…
"There are two product lines that I really love which are Liz Earle and KORA Organics. Liz Earle is based out of the UK and KORA Organics is a new line by my friend and fellow model, Miranda Kerr. It's organic skincare, so I love it. It's gentle on the skin, it's purifying, and the whole premise of the line is just naturalistic beauty. She sends little crystals in a gift box like rose quartz and stuff. It's really cute.
"In the morning, I will wash probably with a Neutrogena acne wash just to keep the skin clear. I only exfoliate once or twice a week at the most. I realized from the beauty specialist at Liz Earle when I was visiting them in Leeds [during] my book tour there, they told me that it's really bad to exfoliate your skin so much because it causes more hormonal release. The skin wants to keep itself moisturized and repaired. I use a really gentle cleanser in the morning, a toner, and as much moisturizer as I can. I normally use an oil-free Neutrogena moisturizer or one from KORA Organics depending on whether or not I'm going to be wearing makeup."
My evening routine consists of…
"I normally come home, order food, and watch TV. My acting coach says that I should do more reading and spend more time by myself. I normally watch TV. I like great shows on Netflix or HBO. I'll get into a show and binge-watch it for hours."
Image via Instagram/NaimaMora
My PM skincare routine looks like....
"At night, I do a whole process. Of course I have to cleanse the skin, tone it again, and I use [microcurrent] sometimes to kill all of the bacteria. I will put on a nighttime oil from KORA Organics and they also have something called a Noni Glow. I'll also use a serum for my eyes, and maybe if I have some blemishes, I'll use a topical treatment called tretinoin, which is good for helping out with skin problems and skin like mine. That's my nighttime ritual which I think is part of my self-love and self-care, you know?"
How my skincare changes for the seasons…
"I've realized that the most important thing regardless of the time of year is to keep my skin moisturized, to get a lot of sleep, and to not stress out. In the summertime, I'll wear sunblock to keep the sun off my skin and keep it from being damaged, but besides that, it doesn't really change."
My go-to makeup look consists of…
"I have a couple different makeup looks—usually four. I talk about this in my 'Model Know How' course, and I teach the girls and the models that I work with how to do the makeup right and live through Zoom classes. We do our makeup together super cute. I have my casting look which is pretty much my day-to-day look. It's pretty simple makeup that looks like you don't have on makeup and the 'bare face.' Then I have a commercial look that I'll do when I have audition tapes to send in or interviews that I'm doing via Zoom. I have a glam look that I wear when I go out to dinner with all of my other model friends. I normally do a smokey eye if I want to be extreme and go for it. The one I have on now is a mix between my glam look and a little smokey eye."
Image via Instagram/NaimaMora
How I approach beauty from the inside-out…
"I know it sounds funny, but I love tea, and I love scented candles specifically that smell like grapefruit or really citrus-smelling fruits. Perfume also makes me feel beautiful. It's just self-care rituals and routines that make me feel beautiful from the inside out. If I take care of myself, then I feel beautiful."
My travel skincare routine looks like…
"[My skincare routine] doesn't switch up. I have my travel containers and I just try to keep it moisturized. Usually, if I'm on a plane, I'll have a hydrating mist as well that keeps my skin dewy, glowy, and hydrated because traveling can be very dehydrating. You're not drinking enough water most of the time because you're stuck in airports or train stations and you want snacks, but there's unhealthy snacks on the way."
The most significant beauty lesson I’ve learned…
"Love yourself and be kind to yourself. Be patient because when you do that, you accept yourself and you feel more beautiful from the inside-out."
Image via Instagram/NaimaMora
My earliest beauty memory…
"My first beauty memory was, of course, playing in my mom's makeup when I was a little girl. It was one of those memories where it was vague but you kind of remember it, you know? I was probably really young. My mom told me that she came home one day—we had a white cat—and the cat was covered in lipstick. That was a really cute memory of beauty and makeup."
How my view on beauty and skincare has evolved…
"I've been modeling for a long time so I've always had issues with my skin which were problematic issues like acne, blackheads, scars, and blemishes. I didn't necessarily know how to take care of my skin for a long time, and I recently started researching how to do that and what're the best products to use for my skin type. I think the evolution really began last year, which is late in the game."
For more on Naima, follow her on Instagram. For more information about Model Know How, visit their Instagram page.
Featured image via Instagram/NaimaMora
It was a Tuesday afternoon when I connected with Trevor Jackson. Once the Grown-ish actor popped onto my desktop with a neon yellow crew neck and fully connected facial hair, we exchanged greetings and smiles with one another. His energy was calm yet warm, much like his sensual R&B hits are and our vibes synced perfectly like we were homies from back in the day. The "Just Friends" singer has definitely grown since his last conversation with xoNecole.
As he reflected on his younger years in our pre-interview chat, Trevor noted that his mindset is transitioning into, as he would say, "fun time is over now" and he is buckling down on what he actually wants for himself long-term. With his music being a clear demonstration of his evolution as an artist, especially with Rough Drafts, Pt. 2, Trevor expressed his interest in shying away from chart-toppers and putting his focus on history-making hits. Furthermore, he hopes to do so by focusing on love.
"Whenever I'm creating, I try and find something that will always be true. Love is one thing that will always be true," Trevor told me passionately during our check-in. "That's why I'm very excited about this next album at the top of the year and it's going to reflect a lot of that."
xoNecole checked in with the Grown-ish star about how he's grown in his artistry, which of his projects best describes his current sex life, and how he differs from Aaron in more ways than none in his romantic life.*
WE’RE NOT LOVERS, JUST FRIENDS
Photo Credit: James Anthony
Trevor Jackson is no stranger to making love songs for a crush, current bae or if you're just trying to get it on in the bedroom. The mastermind behind hits like "Like We Grown", "Here I Come", and his Jacob Latimore duet, "Tru Shit", these days, Trevor has been demonstrating high levels of personal and professional growth in his music through his lyricism, visuals and creative direction. When it comes to his accompanying music videos, he's rather particular - as any creative or artist of his caliber should be. "With my visuals, I really am very specific. If I'm not directing, I've got to make sure I work with [the directors] so they understand the vision because I don't like making things twice," Trevor voiced adamantly about his passion for being original.
In our conversation, I also praised his latest single, "Just Friends", which pays homage to and samples Lil' John's Usher- and Ludacris-featured R&B lustful hit, "Lovers and Friends". As a key influence of Trevor Jackson's and a legend in the artist's eyes, he recalls a simpler time in his childhood where he would be filmed on home video singing Usher's ballads.
In the song, Usher could be heard sweetly beseeching, "Tell me again, can we be lovers and friends?" In Trevor Jackson's "Just Friends", the musician is pondering a similar thought but poses it differently, "Tell me the reason, we're not lovers just friends." In our conversation, he explained the power of non-verbal communication and the in-between moments of are we or aren't we, "It's in the moments where you're not speaking to the person and you know that you're both thinking about the same thing. Go out there, put it on the line, and guess what? If the person isn't down, that's still your friend. Your ego and your pride will get in the way of you having a really good friendship with someone who doesn't want to be more than friends."
The outcome isn't always the one you want and Trevor even slid in his own admittance of being friendzoned in the past. "I have absolutely been friendzoned. It doesn't feel good." It came as a surprise, because who would want to friendzone him? Though this may have been my initial thoughts, he explained to me his piece and thought process of being friendzoned. "If someone isn't accepting and they're not vibing, then that's just not right. It's almost God being like, 'You're welcome,' you know?" he said and interestingly enough, I understood. "Sometimes you'll say [you] want this thing so badly, and when it doesn't work out, you think there must be something wrong with [you]."
"I try to look at my life like that, like there's gotta be a reason why she doesn't see me this way. That reason could be that maybe we're not compatible or it could turn out really bad for both of us. Sometimes God's looking out."
Drops mic.
WE ARE WHO WE ARE
Photo Credit: Derek Bahn
Trevor Jackson has grown in more areas than just professionally and musically - we can't forget the romantic evolution. That's what xoMan is for, isn't it? The actor/musician believes that the majority of his growth over the years lies in the physical realm. "I think I've grown a lot for sure even when it comes to physicality. This could be unpacked heavily, but I'm just keeping it very general. I used to think if I'm going to be physical with this person, that means they're going to be my wife," he admitted.
Trevor told me that for a while, he believed that "being physical with someone meant that you loved them," but over time he learned that physical touch doesn't necessarily equate to forever with a person. While he is technically at the cusp of millennial and Generation Z, Trevor acknowledges that communication is where this generation lacks as a whole about falling short. He said, "It's all about who the person is and what your understanding is. I think communication is so important and people will just not say anything because they want to make sure the other person is good."
Unfortunately, communication isn't all it's cracked up to be, especially when you're in your early- to mid-20s and still embarking on your journey in this thing called life. Trevor continued to explain to me the importance of seeing someone in-person and not relying on texting to be the sole line of communication between him and his potential boo thang in order to build a real relationship. "You need to see that person because anybody is a good responder. We've all tried to figure out what's the best response and try to put something on ourselves to be something."
"If someone doesn't initially fall in love with the unshaped goo that's on the inside of us, the realest parts of us, then that's not the person that's meant for us. There's no exact way to go about being with someone else because we're all too different and we all have too many complexities that make us special. The right chemical balance can be the first time we talk and we'll be perfect."
Trevor added optimistically about aligned mental and spiritual connections with his potential partner, "I feel like we gotta hang out and I think when you really like someone, you can hang out with them and not have to do anything physical with them. I think that's someone I can really laugh with, lay down [with] and not be worried if they're gonna be crazy."
WE’RE GROWN NOW
Now, we couldn't come to this conversation without talking about his latest acting venture, Grown-ish on Freeform. From acting in the Disney Channel original movie Let It Shine with Tyler James Williams and Coco Jones to the blockbuster remake Superfly, Trevor Jackson has yet to disappoint when delivering his lines. When I asked which title from his IMDb best describes his love life, Trevor responded ironically yet hilariously. "Definitely not Let It Shine because that's Jesus," he laughed at his own response. "I'm joking. We love Jesus, but not in the bedroom. I mean, I'd like to combine the Superfly and Grown-ish worlds."
With Grown-ish reemerging from the ashes of quarantine on January 21, Trevor gave me the tea on his personal relationship with his character Aaron Jackson, who is an intelligent, artsy activist and a love interest of Yara Shahidi's protagonist Zoey Johnson. "I'm a little more cold than Aaron. You've got a few chances with me," Trevor said in comparison to how Aaron has been handling love triangles in the coming-of-age sitcom. He dubs his character, with whom he shares the same last name, as "a little bit more mature" than himself when it comes to cutting people off and giving them chances to prove themselves worthy of his time again.
Thankfully, as Trevor has gotten older and we've seen him grow into the handsome triple threat that he is today, he has taken note of his own growth. "Obviously, you turn 9, 10, 15 or 25 and those things don't matter, and it's the same thing with relationships. You put so much pressure, but it's only because of the knowledge you have at that moment but you'll continuously gain more knowledge."
"You'll continuously evolve and realize things aren't as important and other things are more important that you didn't think mattered at all. Just be open, be aware, and you'll be all right."
DATING TREVOR JACKSON: WHAT HE WANTS IN A WOMAN
Photo Credit: Derek Bahn
Don't be fake.
"Don't do things because you think that's how you're supposed to be doing them, you know? I've had these conversations and it's like they're being who they've seen in a movie or how you think the character should be. Do you really feel like that? Because I don't think you really feel like that. I think you're trying to be perceived - and perceived by whom - about how you look or coming off. If I'm the person in front of you telling you that, what would that matter? If they want to come off a certain way, that's a pet peeve."
Break down your walls.
"Stop trying to put things over [who you are] to make some picture that you think the person will like because when it's time to take makeup off and lay down in the bed, you don't know who to be because you've put on this [persona] for so long. Put down the walls and someone doesn't fit that, they don't fit that. Don't try to force that."
Be a good person.
"You've got to be a nice person. I'm really keen on how you treat kids, how you treat people you don't know. We can all see someone super attractive and say, 'I'd love to have them,' or whatever, and that moment passes and you're there laying in bed with someone and you're like, 'But are they cool though?' Are they there? How do they treat other people? Are they nice? Are they kind to other people? It's about pulling back the layers."
Put your phone down.
"You can't be on your phone all the time - I don't like that at all."
Appeal to his funny and adventurous side.
"You've got to be funny, adventurous, you can't be stuck in your ways, and you gotta be excited about life. You've got to be willing to be a dork. A turn-on is when the most exciting day to you is going swimming in the ocean to find a treasure chest or something. I'm that type of guy."
Know that his presence is a present.
"I don't care about things. I'll let anyone know now that I don't buy anything. That's not the relationship I'm going to curate with my person. We give and we receive, but we don't need the actual things. It's your time, your words - these things matter. If those things come, those things come but it shouldn't be something that's asked for."
For more Trevor Jackson, follow him on Instagram, purchase his merch and catch him on the mid-season premiere of Grown-ish on Freeform January 21. Stream "Just Friends" on all platforms.
*Some responses have been edited for length and clarity.
Featured images courtesy of SJ Public Relations
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
In About Face, xoNecole gets the 411 on IGers who give us #skincaregoals on the daily. Here they break down their beauty routines on the inside and out, as well as the highly coveted products that grace their shelves and their skin.
Laticia Rolle is more than just a gorgeous face on your explore page, she's also skincare goals. As a 32-year-old entrepreneur, actress and model, we don't know how she does it, but Rolle is able to keep herself snatched and her skin absolutely flawless while on the go in Los Angeles.
"I live for a living and do everything that makes my soul happy," the Tress hats founder told xoNecole. The multi-hyphenated professional is an entrepreneur who loves "learning new things every single day," and acting allows her "to go deeper within and explore my depth." She also gets to "empower incredible women through sharing extraordinary women's stories" as a podcast host. "I love women---I love us. I love empowering and helping women to harness their story," Laticia proudly added.
In this installment of "About Face", the Girl, We Got This podcast host discusses the importance of eating good for good skin, listening to a good vinyl record in the morning and thankfully not being tender-headed in her early childhood memories.
Her relationship with beauty and skincare…
"My relationship with beauty and skincare strengthened when I turned 30. I started my self-love journey around that time and taking care of me and the skin I'm in became priority."
My views on skincare and beauty evolved when...
"Skincare for me has changed drastically for me over the years! I remember growing up using Noxzema and that Apricot Scrub from St. Ives thinking I was taking care of my skin – remember that? Now I would never touch either product due to its ingredients. Today, I use skincare that is clean and intentional for my skin. My view on beauty has always been loving every part of how God created me, naturally. Beauty is me, Beauty is you. I define my beauty, I am beautiful and it took me about 32 years to finally own and step into all of me."
My morning routine consists of...
"Every morning is beautiful for me. I start every morning waking up and thanking God for my breath and for the ability to be able to experience the day. I go downstairs, light some incense, play some vinyl---Nina Simone is on this AM, make some hot tea and oatmeal and enjoy breakfast looking out my window. I meditate for about five minutes and crochet one row of a blanket I'm making right now. Then I go upstairs, do my four-step morning skin routine, get fly, and start the day. Morning rituals are key for me."
My skincare routine consists of…
"First I need to shout out my esthetician Natalia Armonik of Just Perfect in Los Angeles. She has changed my life and created the best skincare routine for my skin. Because of her I don't need botox, nothing, just consistent upkeep and use of products. My go-to products are Viktoria Deann Balancing Cleanser, Bella Skin Beauty Toner and Beauty Serum, Viktoria Deann collagen serum and peptide acne serum, and DNA Skin Institute Mineral Gel and Vitamin A."
Courtesy of Laticia Rolle
"My view on beauty has always been loving every part of how God created me, naturally. Beauty is me, Beauty is you. I define my beauty, I am beautiful and it took me about 32 years to finally own and step into all of me."
My AM skincare routine looks like…
"Every morning I cleanse my face with my cleanser---sometimes I double cleanse. I use my toner next to make sure I get a good, deep clean. After that I apply my peptides from Viktoria De'Ann, the collagen and acne serums. I finish with applying Bella Skin Beauty Serum. I finish with my eye serums from Viktoria De'Ann and apply sunblock to protect my skin."
My evening routine consists of...
"To unwind in the evenings, I love to take bubble baths, turn on Sade, and just breathe. Sometimes I'll meditate or read a good book in the bath, and that gets me feeling so good. The last good read I think you should def read is All About Love by Bell Hooks."
My PM skincare routine looks like...
"At night, I'm double cleansing with my cleanser and using the toner to get deep. Cleaning your skin and taking your makeup off at night is crucial. I don't care how tired you are. I then apply my vitamin A and mineral gel serum, and finish with my beauty serum and eye serum. Pat it all in nice, and off to dream sweet."
How my skincare changes for the seasons…
"My skincare routine doesn't change up with seasons unless my skin gets dry in colder climates. I just make sure to moisturize more often and always have Chapstick on deck."
My go-to makeup look consists of…
"I do wear makeup, but not day to day. My go-to makeup is pretty simple and quick: Mascara---like three coats---curl lashes, concealer under the eyes, a little pop of blush on my cheekbones and a little shimmer eyeshadow in the corner of my lids, and I'm good to go. I dig the natural, 'no-makeup' makeup look."
Courtesy of Laticia Rolle
"Taking care of my mind, body and soul has changed my life. I take care of my interior world in order to shine on the exterior, that's where my beauty begins."
How I approach beauty from the inside out…
"Taking care of my mind, body and soul has changed my life. I take care of my interior world in order to shine on the exterior, that's where my beauty begins. Therapy has unlocked a lot of emotional issues for me that I struggled internally with and after discovering more about myself I was able to learn who I am as a woman and shed old parts of me that allowed me to step into my power.
"Putting myself first and not pleasing people has been a huge act of self-love. Movement is key daily, whether I'm dancing, yoga, running or boxing, I got to take care of my body and move daily. Loving myself, truly madly deeply has allowed my beauty to shine."
What self-care looks like to me…
"Therapy, bubble baths, bomb ass playlists, going for walks and writing and reading poetry."
My travel skincare routine looks like…
"My skincare routine doesn't switch up when I travel. The key to having good skin for me is being consistent with my skincare routine and being aware of what foods I'm digesting. Eat good and keep your routine down pat and you're destined to shine daily."
Courtesy of Laticia Rolle
"Eat good and keep your routine down pat and you're destined to shine daily."
My earliest beauty memory…
"My earliest beauty memory would be my mom doing me and my two sisters' hair before school every morning. I remember we would have to comb our hair and she would have us kneel down, one by one, in front of her dresser, and she would do our hair in cool ponytails or braids. Let's just say I'm not tender-headed, thanks to my mom."
My most significant beauty lesson…
"My most significant beauty lesson for my hair would be to use Olaplex when your curls need moisture. Olaplex always brings my curls back to life, best hydration ever. For skin, my best lesson is to use toner after you cleanse, because cleansing doesn't always clean and get deep in the pores."
For more Laticia, follow her on Instagram and support her TRESS hat designs on their official Instagram account.
Featured Image Courtesy of Laticia Rolle
