

7 Things 'We Should All Be Millionaires' Taught Me About Adopting A Millionaire Mindset
xoNecole's I Read It So You Don't Have To is a recurring series of self-discovery that breaks down self-help books into a toolkit of takeaways and tips that are meant to assist you in finding the best life you can live. Take what works for you, and leave everything else where it is.
Since we first started to count, women have been indoctrinated into thinking we are inherently bad with money. When it comes to women and finance, there is a recurring theme: women are large, careless spenders. The vocabulary employed in commercials and periodicals, as well as in television and cinema, all reference this idea. Men learn how to generate money, while women learn how to spend it. Just like that. Therefore, it is understandable why women think they are unsuccessful at accumulating wealth given this deeply ingrained notion.
But contrary to what its marketing team has led us to believe, we can accumulate wealth, and earning seven figures in the next five years is not impossible. We only need to put in the hard work. Let's examine the book, We Should All Be Millionaires by Rachel Rodgers in this subsequent reading for the "I Read It, So You Don't Have To" series.
As always, take from this reading what you need, and leave the rest where it is.
1.Unlearn the Limiting Beliefs You Have About Earning More Money
Dispelling the idea that you can't be a millionaire because you spend money carelessly is the first step to securing the expansion of your empire. The next step is acknowledging the real reasons you have not become a millionaire. One of these reasons is obvious, patriarchal America was not built, and is not functioning, to ensure the success of Black women. It is working even less to ensure that Black women of the LGBTQ community and even plus-size women don't succeed. The final step is to acknowledge that despite those reasons, your potential to earn is solely determined by you.
Women routinely accept payment that is less than what they are worth, provide their skills for free, fear the discomfort of failing others, fear the discomfort of saying no, lack boundaries, and constantly prioritize the needs of others before our own. No matter which of these reasons is preventing you from achieving your financial goals—or if there is another factor at play—you must stop deceiving yourself about your financial difficulties and determine the truth of your bank account.
2.If You Want To Be Wealthy, Make Decisions Like a Millionaire
Make a choice as to how you will fulfill your desire to become a millionaire. You must start making million-dollar decisions if you want to get wealthy. To do this, you must comprehend what you really want, what you ought to be doing, and how you plan to get there. Make million-dollar decisions by using the "We Should All Be Millionaires" acronym below.
Want: What are your objectives? Check-in with your own inner wants instead of searching out other people's perspectives. What would you choose to do if you knew that every decision you made would lead to the intended result?
Should: When you think about your decision, what "should" come to mind? What should you do, in your opinion, to succeed? Do you actually believe these things, or are these just others' beliefs?
Action: What action are you going to do to move in the right direction? Identify the first two or three steps that must be taken to succeed.
Body: What do you think about doing this? How do you feel about this? Are you feeling energized? Or does it make you anxious? Is it somewhere in the middle? Since your body is the best judge of who you are, listen to it and use it to guide your decision.
More: How would this choice or course of action help you achieve more? What will this option allow you to have more of? This will become your primary reason to keep going when you feel discouraged or unmotivated. What advantages would this decision give you?
3.Manage Your Time Like a Millionaire by Creating Boundaries
You cannot have a thriving net worth and be popular with everyone. So, let go of the institutionalized people-pleasing. The plain fact is that women perform the majority of work across all fields, particularly in domestic tasks. This hinders our ability to accumulate riches. Not to mention, women are treated unfairly in the workplace. These pervasive cultural problems involving women's work result in weariness, depression, and a sense of inadequacy.
Therefore, to protect yourself from the feeling of never being enough and the mistreatment of others, establish boundaries that are clear to all parties. Say yes to what you want and no to everything else. After all, setting boundaries without enforcement will only result in the same outcomes.
4.Build a Team That Supports Your Millionaire Mindset
Build a squad! You are the people you choose to be around. Find a community of people that share your values and inspire you, then start interacting with them. You can discover new strategies and tools to support your millionaire habits within this new community that you might never have thought of or wouldn't have known without access to it. Not only that, but others who belong to this group may become contacts or even friends who can help you open doors to new chances. If the community you desire does not exist, create it yourself.
Nobody succeeds alone, despite what some people would have you believe. Because of your full-time job, interests, hobbies, relationships with family and friends, and, well, sleeping, time can be the largest obstacle to you generating wealth. Create your own team to reclaim your time. Hire a professional assistant to assist you with a variety of tasks for a few hours each week. By doing this, you can free yourself some time to investigate your financial objectives without the pressure of having to handle everything by yourself. Do not overthink this procedure or convince yourself that it is merely a waste of money.
To assure your ultimate financial and time freedom, figure out how much you can afford to pay for the support. Keep in mind that occasionally spending money is necessary to make money.
5.Determine Your Vision and Value To Achieve Success
What kind of life do you envision? What are your objectives? Make them compelling by being specific, specific, and appealing. Make your goals interesting since it is what motivates innovation, zeal, and action. The four steps that determine your visions are:
- List the improvements you'd like to make to various elements of your life;
- Carry out the necessary calculations so that you have a realistic understanding of the costs;
- Come up with 25 ideas for boosting your income quickly;
- Decide on the first improvement you'll make.
Think carefully about the millionaire version of yourself. Then, start acting like that now (without going into debt).
After choosing the concept that will help you raise your earnings, understand your worth. The price of women's imposter syndrome is in the millions. In order to advance in their careers or recognize their genuine worth, women who have imposter syndrome frequently work for free, at reduced rates, or without receiving any compensation. They do this while they wait for someone to recognize their efforts.
Decide on your worth instead, and set your prices accordingly. Set a price for your concept and multiply it by two. When offering your goods or services, accept nothing less.
6.Create an Effective Money Management System
Scarcity breeds more scarcity, and trying to live on a shoestring budget will only make you unhappy. Therefore, if you want to become a millionaire, you don't need to cut back on that daily latte or monthly subscription. Instead, create effective systems, rather than goals. Goals are helpful for giving direction, but systems are helpful for actually moving forward. Create a system to keep an eye on your finances. Avoid outsourcing your money management and decision-making; take charge of them yourself.
Set up a strategy to keep tabs on your credit score, daily spending, and net worth. Consider doing some investigation and setting up a business company and business bank account. Quit listening to those who tell you to wring every last penny out of your paycheck or who whine about your debt. Instead, recognize that in order to compete in the global market, you will periodically need to go into debt and work additional hours in order to increase your earning potential.
7.Start Building Your Millionaire Empire
Now that you have all the tools at your disposal, follow Nike's motto and "Just Do It." Find out what it's like to be able to earn money whenever you want. So, set a 10-day goal for yourself to earn a certain amount of money. What precise sum do you ask? Imagine you have ten days to obtain a certain amount of money for a crucial bill or expense. Write down this amount and increase its total by 30%. In 10 days, you want to have this number in your bank account. If this number is not high enough for you, try participating in WSABM's $10,000 in 10 days challenge.
Pro Tip: If you can afford it, join the We Should All Be Millionaires: The Club. For anyone prepared to build wealth, this club is your online community classroom. Regardless of what is standing in your path to being a prosperous millionaire, this club, which is devoted to seeing you succeed, provides a vast array of tools, educational and training programs, live weekly coaching, and a squad that can assist you in becoming the success you know you are capable of being.
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Taysha Robinson is a writer and high school English teacher, based in metro-Atlanta. A self described philomath, you can find her reading books and articles of every genre, attending educational conferences, and hiking wherever the terrain will allow.
Exclusive: KJ Smith Talks Viral Wedding With Skyh Black: ‘We Did What We Wanted To Do’
Whether it was your group chat, social media feed, or your favorite media outlet covering the spectacle, I’m pretty sure you’ve come across the viral Black wedding between actress KJ Smith (Sistas, Raising Kanan) and actor Skyh Black (All the Queen’s Men, Sistas). From their grand entrance to Jay-Z, Kayne West, and Beyoncé’s song “Lift Off” to KJ’s standout dance routine and the endless celebrity appearances, it’s an addictive TikTok scroll you can’t help but delve into.
But what many people would be surprised to know is that the couple’s original wedding plan was nothing like what it grew to be. What started as her simply scrolling through posts to get ideas eventually transformed into what the internet knows now as #TheBlackExperience. In an exclusive conversation with xoNecole, KJ walked us through her planning process, the morning of her wedding, and what she thinks of the online response.
Some women have their whole wedding planned out, from the bridal gown and venue to the bridal party and playlist. However, KJ was not one of those people. “I didn’t foresee a wedding in my future,” she reveals. “I was just gonna be the boss chick, rich auntie. I didn’t force love in my life until recently. I never had an idea of what a dream wedding would look like, it was easier for me to elope.”
KJ Smith
Photo by Stanley Babb/ Stanlo Photography
And to many people’s surprise, that was their original plan – until Skyh brought up a valid concern. He was raised by his grandmother and thought she should be at the wedding, and naturally, that led to KJ wanting her grandmother to be there as well – then her mom – and later her sister – and, you’ve gotta invite the besties too, right? From there, the guest list continued to blossom. Much like the updo and pop of color bold red lip, she wore on her special day, which was initially on her Pinterest board as a soft glam look with her hair hanging on her shoulders, KJ is okay with changing her plan if it brings her and her loved ones happiness.
So let’s get into the wedding, which took place in Malibu, CA. The first thing you should know about the celebrity couple is that they’re non-traditional. They know, and they don’t care. So, in true unconventional fashion, they shared the morning of the wedding together.
“I woke up with Skyh, we walked our dog, had black coffee, and said good morning to the people who stayed at the venue with us,” she says.
Now, it was time for hair and makeup. While she was getting glammed up, she had Black-owned McBride Sisters wine and champagne (which ties into The Black Experience theme) on deck with her mom and friends, had her besties help rework her vows, retried on every outfit (sis is very Type-A), took photos, and ended the early-celebration with prayer and meditation. It seems very non-Bridezilla, I said.
“Yeah, I was the most unbothered bride ever. Everyone was just so supportive. As entertainers, we go on red carpets all the time. We actually have a production company,” she explains. “The get-ready process was like a day at work, but with people we love the most. Being entertainers, we didn’t feel stressed at all, but my excitement was so high.”
Things moved quickly, and before she knew it, it was time to line up to walk down the aisle.
“Yeah, I was the most unbothered bride ever. Everyone was just so supportive. As entertainers, we go on red carpets all the time. We actually have a production company. The get-ready process was like a day at work, but with people we love the most. Being entertainers, we didn’t feel stressed at all, but my excitement was so high.”
KJ Smith and her bridal party
Photo by Stanley Babb/ Stanlo Photography
Since everything started with their grandmothers, the couple wanted to ensure they honored them and planned to keep an element of their wedding traditional. Although we’ve all seen the reception videos and photos online, you may have noticed visuals from the wedding itself are harder to find.
“We planned for it to be traditional, but we’re not like that, so we tried to create those moments. We jumped the broom and had a salt ceremony (where the bride and groom individually pour salt into a glass container, symbolizing their lives becoming one.) But honestly, still, nothing was traditional about it.”
She goes on to explain that her mom caught the holy ghost coming down the aisle, her glam team was on deck, and she became so nervous with excitement that she had an anxiety attack – something she struggled with for years, she explains tearfully. Her friends had to literally cheer her down the aisle because of how overwhelmed she felt until she eventually calmed down.
“Skyh was standing there with his hand on his heart; we have our own little language, and I could feel the support,” she shares.
It was surprising to hear all these emotional moments happened before the party we saw online. That is until she once again got into the backstory.
“As a Black woman actress, for so long, it was popular to be mysterious and secretive, but that’s not who I am or what I like. Plus, we both wanted to create an experience for everyone there. We are the people who always host family and friends,” she says. “Like for me, the first order of business was getting sandals for the women so they can dance all night long. We had oxtail, D'ussé, and a coffee and sativa lounge – which is part of Skyh and I’s lifestyle and routine. We wanted to bring them into our world.”
Skyh Black (L) and KJ Smith (R)
Photo by Stanley Babb/ Stanlo Photography
She went on to discuss the dance routine she did for her husband at the reception, which has taken over the internet. Apparently, that’s another thing that didn’t go according to plan. According to KJ, she had promised a performance at their joint bachelor/ bachelorette party, but her outfit got stolen from her car. So, Skyh ended up performing for her – complete with a strip tease. Still, she never forgot her promise to dance for him.
So, she hired her friend as a choreographer, learned the routine, made friends and family watch it endless times, and attended Beyoncé’s Renaissance show a few days before for a confidence boost. It ended up being a show to remember. But that wasn’t all the night offered. Lil Mo performed, and the guests received special goody bags featuring their favorite Black-owned products like journals, hair care, and more.
“We made sure everyone was taken care of all night. That kind of stuff makes us happy. I wanted everyone there to experience the joy and love I have for myself, my partner, and for them. I wanted them to feel full and whole, and they had the time of their lives,” she says.
But naturally, the internet is going to internet, and while there were countless people praising the event and applauding the newlyweds, some thought it was too over the top. I was curious to know her thoughts on some of the criticism.
“It’s cool. We did what we wanted to do. I’ve decided to share my world with people. Just how I went on social media platforms and found inspiration, I want people to do the same,” she explains. “I don’t think it's fair to my supporters not to give that out. There’s so much I wanna share with brides, specifically Black brides. I love that people are adding it to their Pinterest boards."
"I wanted everyone there to experience the joy and love I have for myself, my partner, and for them. I wanted them to feel full and whole, and they had the time of their lives."
KJ Smith
Photo by Stanley Babb/ Stanlo Photography
“I’m happy with it because we did what we wanted to do. They can do what they wanna do. Don’t be cruel, though, because you will get blocked,” she said, laughing.
The more I spoke with her, the more her sense of freedom shined through. People are always going to have their opinions, but at the end of the day, it’s you who has to live your life, and it seems like the couple realizes that and embraces that power. She also stressed the importance of not living for others and the lessons life has taught her.
“I’ve been to countless weddings, and I’ve been in countless weddings. I’m a generally older bride. So when women in my demographic get married, and you and your husband are busy working people like us, you deserve to have the one you want to have,” she shares.
“This is what we wanted to do. Our loved ones love and support us. We did so much to honor them, but we also wanted to start our own tradition, legacy, and creation. I'm not going to be pulled back into ideas of the past when I’m trying to create a future with my partner. “
If you’d like to see more of the couple, you probably won’t have to wait long. Although no content is planned yet, she admits to being an oversharer. “Me being open and transparent about my experiences lets people know it’s okay to have flaws; it makes you human, and for many years, I didn’t believe that was okay. I had pressure to be perfect, and I’d crumble every time,” she explains to xoNecole.
Now, she owns her flaws and uses them as a superpower to connect with her community and feel and express her love.
“Some people give us [Skyh and KJ] a hard time because they say we just seem too perfect. I’m like, why is that a bad thing? I love the people I love. From my man to my mama, to my friends - unabashedly. We move through time and space how we want to move. If we did it another way, we’d let ourselves and our union down.”
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Feature image by Stanley Babb/ Stanlo Photography
Whether you prefer to travel in groups, solo, or on baecations, picking the right destination is a major component of ensuring a great trip. Where you go for your next vacation can come down to price, location, activity options, and a host of other things. We’ve seen how often group trips can go awry because each person has different interests and wants to do different things. But how do you pick the right place for yourself when there’s so many options to choose from?
Choosing a destination that will provide you with the most memorable experience comes down to your own needs, and believe it or not, your love language can help with that. Our love languages are a guide to how we prefer to receive love and support, as well as how we like to give it.
Knowing about our love language can help build healthy relationships, better self-care routines, and improve our overall well-being. Imagine centering your travel around the way that you like to be loved and then experiencing that each moment of your trip. Every place around the world is unique and thus can provide a different vibe and feeling for us. Figuring out the places that align with our love language can be a game changer in how we experience the world.
Whether you’re a quality time girlie like me or prefer acts of service, here’s some of the best destinations to visit based on the five love languages.
Rome, Italy
The “Eternal City” is home to the Colosseum, Trevi Fountain, and all the pasta and gelato that your heart desires. People who value acts of service love when things are done for them, and life is made easier. If that’s your jam, consider going to Rome and experiencing an authentic Italian dinner cooked by locals for you. What better act of service than having someone cook a full meal for you in their home?
No need to learn how to roll pasta dough or knead pizza. Just sit back, relax, and enjoy the free-flowing wine while learning about Italian culture and having a 4-course meal provided for you. After that, take a guided city tour where someone else can show you around all the popular spots, skipping the lines and avoiding crowds.
Bangkok, Thailand
Having acts of service as your love language is not just about how others show you love but also about how you show it back. If you enjoy giving acts of service to others, consider heading to Thailand and visiting an ethical wildlife sanctuary where you can spend the day volunteering. Choose a place like Wildlife Friends Foundation Thailand, where people are not allowed to touch or ride the elephants but can help with harvesting bananas, cleaning enclosures, or even helping out in the animal clinic. You’ll leave feeling a sense of pride and knowing that your time was spent in a way that made an impact.
If your love language is physical touch, you might want to visit...
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Guatemala
There are so many ways that we can experience the love language of physical touch, and Guatemala is a tropical sanctuary that can provide just that. This South American country is full of rainforests, volcanoes, and ancient ruins and can be the perfect escape to get some TLC. Consider staying at a luxury hotel like Villa Bokeh, where you can get your physical needs met through massages, yoga, or rowing on their lagoon. And if you want to explore off the resort, get those steps in with a hike of one of Guatemala’s volcanoes.
If your love language is gift giving, you might want to visit...
Dubai
There’s no better place to go to for all your shopping needs than Dubai. Whether you are a gift giver or like to be spoiled, this is where you need to be. To start, the Dubai Mall is the largest mall in the world at over 12 million square feet. With around 1,200 shops to choose from, you are bound to find something for just about everyone. Dubai is not a budget destination, so leave a little extra space in your luggage and prepare to spend a pretty coin while you’re there. If luxury gifts aren’t your thing, head to the Covent Garden Market, where you can shop local vendors for more affordable items.
If your love language is quality time, you might want to visit...
Costa Rica
Whether you’re planning a cute baecation or a solo trip, quality time is all about disconnecting and spending intentional time with your loved one or yourself. Costa Rica is an ideal location to be off the grid and be present. Spend some special time with bae at a nice resort, enjoying a couples massage, a trip to the rainforest, or a sunset dinner. There’s something about being off the grid that allows us to be more present with each other.
If you want to get in some DND solo quality time, book a stay at Nayara Springs Resort, located on the outskirts of Antigua, where you can enjoy uninterrupted and secluded relaxation while indulging in amenities like yoga classes and a hot springs pool.
Marco VDM/Getty Images
Tanzania
There are many ways to spend quality time with yourself or others, so why not do it in one of the most beautiful countries in the world? Explore Dar es Salaam with family, learn about the history of Tanzania, and then spend more quality time at the beach on Mbudya Island. If you are looking for a more romantic trip or quality time on your own, go out to Zanzibar, the archipelago off the coast of Tanzania. Here you’ll find some of the most beautiful beaches in the world and can stroll through the historical Stone Town.
If your love language is words of affirmation, you might want to visit...
Paris, France
If words of affirmation get you feeling all tingly inside, then why not take a trip to the "City of Love," Paris, France? Not only is Paris considered the mecca for love, but French is literally one of the world’s romance languages. So take a French lesson where you can learn how to speak beautiful words about yourself, or if you’re with bae, take a stroll by the Eiffel Tower at night while sharing some of the things you appreciate about each other.
Bonus points if you can say it in French.
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