
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.
Luxury Hairstylist On Viral 'Hey Boo' Texts & Professionalism In The Hair Industry
As Black women, our hair is our crowning glory - whether we paid for it or not. We take pride in how we wear and take care of our hair. As with everything, hair care and hair styling have evolved over the years. Long gone are the days of Blue Magic (although I hear it’s making a comeback).
Now, we have a plethora of creams, oils, conditioners, shampoos, and stylists to choose from. Beyond wearing our natural curls, we have a range of options, from wigs and sew-ins to tape-ins, I-tips, and K-tips. So much choice! But you know what they say about too much of a good thing...
The Black hair industry has definitely blossomed in the last decade with a wave of new stylists and salons popping up all over the place. As much as I love that for us, many of these stylists have become the subjects of viral TikTok and Instagram tirades because of their alleged questionable behavior and bizarre rules.
Excessive policies, strange fees, long wait times, poor performance, and the infamous “Hey boo” texts. Beauty is pain, they say… xoNecole got to the root of these issues with luxury hair extensionist Dee Michelle, who’s been in the hair game for 20 years and runs a seven-figure business - all while being a mom of four.
Antonio Livingston
“I started my business with my career in the hair industry [at] very, very young age when I was maybe like eight...So, over the years, I've just built a very successful seven-figure business very quickly just by offering high-end services and creating great experiences for my clients, many of whom are high-profile professionals,” she said. “I'm also a mother of four, including a set of triplets, which inspires me daily to show what's possible with my hard work and focus.”
Dee’s business has gone viral on social media because of what many call outrageous prices for her invisible K-Tip installs.
“When I developed my invisible K-tip extensions technique, I made sure that it wasn't just about the hair or the style, but about providing a high-end experience from start to finish. So, my clients just aren't paying for the extensions or just the style itself, but they're investing into my meticulous, seamless craft and premium hair sourced from the best suppliers…I've spent so many hours mastering my craft, creating this seamless method that gives my clients long-lasting natural results, and my pricing just reflects that - the value of my expertise and the exclusivity of the service.”
The K-tip specialist stands on business when it comes to catering to her clients and giving them an experience worth the cost.
“And it's just important for me to also say that my clients are high-profile individuals who value quality, their privacy, and their time. They want a service that fits into their lifestyle and their time. They want things that deliver perfection. And I deliver that every single time.”
I’m sure we’ve all seen the various TikTok rants about people’s nightmare experiences with stylists and uttered a silent “FELT!” We asked Dee her opinion on a few nightmare scenarios that beg the response, “please be so forreal."
On stylists charging extra to wash clients’ hair:
“I think they should just include it in the price, to be honest. Because I feel like when clients go to a stylist, they're expecting you to wash their hair. Personally, if I see that washing is extra, I just wouldn't go to the salon because it just shows a lack of professionalism, in my opinion, and a lack of experience.”
“I think they should just include it in the price, to be honest. Because I feel like when clients go to a stylist, they're expecting you to wash their hair. Personally, if I see that washing is extra, I just wouldn't go to the salon because it just shows a lack of professionalism, in my opinion, and a lack of experience.”
On ‘deposits’ that don’t go towards the cost of the service:
“I think that's kind of weird, too, for deposits to not be like a part of the service. I've seen people have booking fees and I just don't understand it, to be honest. I disagree with that kind of policy…By all means, people should do what works for them, but to me, it doesn't make sense. Why does somebody have to pay a fee just to book an appointment with you? I don't get it. It feels like exploitation.”
On stylists charging extra to style (straighten/curl) wigs, sew-ins etc., after installing:
“I don't get it. Clients come to us to get their hair done, to get it styled. So why is it extra for you to style it? If you're going to charge extra, just increase your price. I feel like it could be just a lack of confidence in those stylists, feeling like people won't pay a certain price for certain things, or just their lack of professionalism as well, because people are coming to us to get styled.”
On the infamous “Hey boo” text stylists send to clients when they need to cancel/reschedule:
“Professionalism in any industry, especially the beauty industry, is everything. So texting a client the, “Hey boo” is so unprofessional, and it's damaging to the client-stylist relationship. Clients book their appointments expecting a level of respect and care, especially when they're investing their time and money and a service. And I get it, emergencies happen, we're all humans. However, it should be done with a formal apology and a clear explanation.”
“Professionalism in any industry, especially the beauty industry, is everything. So texting a client the, “Hey boo” is so unprofessional, and it's damaging to the client-stylist relationship. Clients book their appointments expecting a level of respect and care, especially when they're investing their time and money and a service. And I get it, emergencies happen, we're all humans. However, it should be done with a formal apology and a clear explanation.”
We know all too well what kinds of things will keep us from ever gracing certain hairstylists’ chairs with our butts again. So, what should hairstylists do to provide a good service to their clients? What is good hairstylist etiquette?
“For one, being on time is an important rule for stylist etiquette. It's just not okay to require your clients to be on time, and you're not on time. Also, communication. Being able to communicate clearly, respectfully, and professionally, whether that's in person, via text, or on social media. Style is etiquette. Appearance matters. So just maintaining a clean, polished, and professional look. Clients respect you more whenever your appearance reflects your work. There's just so many things, but another thing I would say is active listening. So, being able to pay close attention to what your client wants and also clarifying any questions that they might have. Just to ensure that they feel heard and to minimize any misunderstandings.”
Dee also shared some red flags to look out for when considering a new stylist.
“Even me as a client, if I'm booking somebody and they have a long list of rules, I don't even book with them. That's, for one, just such a huge turn-off. Also, stylists who have inconsistent or unclear pricing, that's a red flag. People who change their rates too much without an explanation. Poor communication. So, if a stylist is responding very slow or responding unprofessionally, or giving vague answers to questions, that can make clients question whether or not they are respecting their time and their needs.
Another red flag - an inconsistent or low quality portfolio. And I feel like, I see this a lot with stylists stealing other people's work, and their portfolio on social media is just very inconsistent.”
We couldn’t let Dee go without getting the tea on what styles she predicts will trend in 2025.
“I feel like people are going back to natural-looking styles. So, a lot of people are ditching the wigs, the lace fronts, things like that. People are still wearing them, of course, but it is becoming more of a trend to embrace your natural hair and something that's not looking too fake. That’s one thing that we're going to be seeing a lot. I would say a lot of layers are coming back, heavy layers. Those are becoming really, really trendy. And people are leaning more towards platinum-colored hair. I've been seeing lots of like blondes coming out. Also, jet black is always going to be a trend. But I would say more like natural colors, but natural colors that are still making a statement.”
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One of my favorite things to do is kiss. In fact, kissing is so important to me that I once stayed with someone longer than I should’ve, in part, because he was such a good kisser (to the point where I can confirm that “kissing orgasms” are a real thing) and I also once broke up with someone because he absolutely sucked at kissing (ugh). Kissing is sexy. Kissing is sensual. Kissing is intimate.
And science says that kissing can boost endorphin levels in your body; reduce feelings that are associated with stress and anxiety; elevate your immunity; help to lessen allergy-related symptoms; soothe headaches and period cramp discomfort; make you horny (yes, literally), and even decrease your chances of getting cavities.
Yes, kissing is a good thing. A really good thing.
Oh, but as someone who is turning out to be one of my favorite philosophers (Aristotle) once said, the excess of a virtue can indeed turn into a vice — and as far as kissing is concerned, that can prove itself to be true in a way that some may have thought was nothing more than an urban myth: getting STIs (sexually transmitted infections)/STDs (sexually transmitted diseases) from doing it.
Yep, if you heard somewhere that you can get an STI/STD from puckering up, there is indeed some truth to that, so please take a moment to read more about it. That way, you can finally separate fact from fiction.
Bottom Line, Yes…You Can. However, the Risks Are Relatively Low.
Honestly, if you let it sink in that a kiss that lasts for longer than 10 seconds will result in about 80 million bacteria being exchanged, that alone should cause it to make all of the sense in the world that a kiss isn’t something that should be taken as casually as a lot of people do. And although, when it comes to STIs/STDs, it is far easier to transmit them through penetrative or oral sex, the reality is that there are some that can you get via saliva or the mucous membranes that are in your mouth (although infected saliva that is on something like a sex toy makes your chances much lower because STIs/STDs tend to “deactivate” once they are exposed to the air).
And since “low probability” doesn’t mean “absolutely not,” I think we should look into which STIs/STDs could become an issue whenever you go in for a smooch vs. the ones that you don’t really have to concern yourself with at all.
The STIs/STDs That You CAN Get from Kissing
So, here’s the deal: If you happen to have a cut in your mouth or you’ve got a cold sore, that can significantly increase your chances of being exposed to an STI/STD if your partner happens to have one. Which ones am I speaking of specifically?
- Herpes (more specifically, HSV-1)
- Syphilis
- Cytomegalovirus (CMV)
- Human Papillomavirus (HPV)
Now something that’s important to keep in mind about three out of four of these (herpes, CMV, and HPV), is that, although they are very treatable, they currently don’t have a cure. As far as the one that does have one (syphilis), it’s important that it’s discovered and treated in its early stages; otherwise, it can lead to things like weight and hair loss, infertility and, if ignored for too long, it can even become life-threatening.
I don’t know about y’all but, to me, this all sounds like valid enough reasons to be cautious when it comes to who you share your mouth with.
The STIs/STDs That You CAN’T Get from Kissing
Okay, so what STIs/STDs does science say you don’t have to worry about when you’re kissing someone?
- Chlamydia
- Gonorrhea
- Hepatitis
- Trichomoniasis
- HIV
- Pelvic inflammatory disease (PID)
The reason why is because these are all things that are spread through oral, anal, or vaginal sex acts (however, they can oftentimes be asymptomatic, so if you are sexually active, please make sure to get tested no less than once a year). That said, if you do happen to have one of these STIs/STDs, please show courtesy and respect to your partner by letting them know — even if sex isn’t currently on the table for you.
Although research does indeed say that kissing doesn’t put them at risk, they still have the right to decide if they want to move forward with intimacy, of any kind, while these health-related issues are being treated.
5 Ways to Reduce Your Chances of Getting an STI/STD from Kissing
Okay, so now that you can confidently separate what you should actually know (and take to heart) from what you may have randomly heard that couldn’t be further from the truth, if you’re curious about what you can do to decrease your chances of getting an STI/STD from kissing, I’ve got a few tips:
Take kissing seriously. Grandma said don’t put your mouth everywhere and she’s right. In a world that continually tries to gaslight us into thinking that we can (and damn near should) just do whatever with whoever without consequence, as you can see, that’s simply not true — especially when you take into account how wild it is that most of the STIs/STDs that you can get from kissing don’t have a cure.
Moral to this story: Your mouth is as valuable as every other part of your body. It is a privilege to kiss it, so please act accordingly. Oh, and don’t be afraid to ask about people’s sexual health status before letting them put their tongue all up and in your mouth. You know what they say — an ounce of prevention is always gonna be worth a pound of cure (or treatment).
Practice intentional oral hygiene. Hopefully, brushing and flossing on a daily basis are a given. What I mean here is you should look for signs of cold sores, cuts, or lesions in your mouth (including a blister that you may get from a burned tongue) on a weekly basis. If any of these are evident in you or your partner, it’s best to wait to kiss (if you haven’t BOTH recently been tested).
Y’all be careful with all of the sexy biting. Speaking of open wounds (relatively speaking, anyway), although I once read that, according to the Kama Sutra, biting lips while kissing is a sign of strong desire and sexual arousal, it can also leave cuts that could make you more vulnerable to getting sick. So, on this one, enter with caution. Straight up.
Don’t kiss when you’re feeling under the weather. Mono, colds and the flu, COVID-19, stomach viruses — these are some of the other things that you and your partner can give to one another while exchanging a kiss. Since some of the symptoms that are related to these may mimic some that come from an STI/STD, it’s best to not kiss when you are sick — not until you can confirm what you have and (preferably) the symptoms have passed.
Get tested on a regular basis. The only way that you are going to know for sure that kissing is a low-risk behavior for you and your partner is if you both get tested. If you’d prefer to do it from the comfort, convenience, and privacy of your own home, there are STI/STD tests that you can have sent to you (like the ones here, here, and here). They aren’t necessarily the cheapest in the world, yet they are pretty darn accurate and can give you the peace of mind that you seek.
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Listen, I am Team Kissing just as much as the next person. However, whenever I stop to think about all that goes on in a mouth, I thought it was important that you become aware as well. As I said earlier, a good kiss is pretty incomparable. Let’s all just make sure that we leave kisses better and not worse off after experiencing them — literally and figuratively.
Amen? I’m sayin’.
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