Melody Kewl Profile Banner
Melody Kewl Profile
Melody Kewl

@Being_Melody

3,556
Followers
1,326
Following
10,736
Media
108,315
Statuses

Ph.D. holder • Financial Education Champion• Money Coach • Speaker • Author

Greenville, SC
Joined August 2011
Don't wanna be here? Send us removal request.
@Being_Melody
Melody Kewl
4 years
@terrycrews Gah. You could have left out that last sentence. No one wants to be better. We want to be treated fairly and equal.
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@Being_Melody
Melody Kewl
10 months
My sister has to get a new car because hers was totaled. She said she wanted a $200 car payment. I gently said, "Sis, we need to talk..." I broke the news about the car industry, and she said her last car payment was $200. I reminded her that it was back in 2012.
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@Being_Melody
Melody Kewl
5 years
My grandma told me it looks like I was gaining weight. I asked her why she felt the need to tell me that and looked her square in the face. No response. That was the nicest way I could tell her what she said was inappropriate. Older black women have to stop this.
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@Being_Melody
Melody Kewl
1 year
@madblackvegan I love this! I’d suggest putting the money in a high yield savings account so that it will grow then print out the balance for he 21st birthday.
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@Being_Melody
Melody Kewl
2 years
@josephmullins If it makes you feel better one day my PI came in ranting about how none of her undergrad students showed up for their final exam, turns out she showed up to give the exam on the wrong day.
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@Being_Melody
Melody Kewl
4 years
My dad paid off a substantial sized student loan for me back in 2018 and I’ve been making payments to him at an almost non existent interest rate. Today he forgave the entire amount of the loan. I was stunned speechless. This is what legacy building looks like.
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@Being_Melody
Melody Kewl
6 years
@Madame_Blu @NettaWitDaHoops Saving money is a privilege that many don’t have. 80% of Americans live paycheck to paycheck do to economic constraints and low wages, not because they didn’t want to save.
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@Being_Melody
Melody Kewl
1 year
@thecircleofbey @takecarehours @itszaeok At this point y’all just wanna be bullies.
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@Being_Melody
Melody Kewl
3 years
Good Morning! I officially maxed out my ROTH IRA today!!!!
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@Being_Melody
Melody Kewl
10 months
@MetaSnacks Once you pay that one off, put that money that would have gone into a payment into a high-yields savings account every month and let it grow. We're doing that now to prepare for our next purchase.
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@Being_Melody
Melody Kewl
4 years
@MoreAndAgain @luckyturner I believe he’s married to a black woman too if I remember correctly.
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@Being_Melody
Melody Kewl
1 year
@takecarehours @itszaeok Because you don’t expect people to be quiet. If they in a zone vibing they aren’t paying attention to the people around them.
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@Being_Melody
Melody Kewl
8 years
Never tell your dreams to dream killers.
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@Being_Melody
Melody Kewl
5 years
@CruzanChoklate That coffee would have been out of her hands and in her face. Do they not have keys? What is the issue? Go inside
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@Being_Melody
Melody Kewl
10 months
@millindebt The economy makes no damn sense! They say things are starting to reverse and level out. I'm hoping it's true.
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@Being_Melody
Melody Kewl
4 years
Girl they’d rather die, be unemployed, and see their families ripped apart, then change. Make it make sense.
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@Being_Melody
Melody Kewl
3 years
@SUPREMEKOURTNEE @iSankofa And Brandy’s were a lace front!! She had us out her sacrificing our edges while she was preserving hers.
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@Being_Melody
Melody Kewl
3 years
Who here pads their bank account and uses another number as their $0 baseline? For me it’s $1000. Anything below that and I act as if I have nothing in my account.
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@Being_Melody
Melody Kewl
4 years
@kkrstnj Your friends are not your customers. That’s your biggest mistake.
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@Being_Melody
Melody Kewl
1 year
I officially fully funded my 2023 ROTH IRA today!
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@Being_Melody
Melody Kewl
1 year
My outdoor living dreams are slowly coming together. Still need to check some things off my list, replace the rug, and finish saving for the pergola, but it feels so peaceful.
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@Being_Melody
Melody Kewl
10 months
@zsidane Who is you people???
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@Being_Melody
Melody Kewl
3 years
My mom made a Facebook post about caregiving and how hard it is to take care of my grandmother who has dementia. All the church folk are posting that they’ll pray. I decided to choose violence and ask them why they can’t also ask my mom how can they help her.
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@Being_Melody
Melody Kewl
5 years
@JunaeBrown This is why I resigned my strong friend position. It’s tiring
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@Being_Melody
Melody Kewl
7 years
@bigheadneil @SunniAndTheCity I think he’s just using it to has his voice heard by everyone. The employee is unfortunate in that he was scheduled for the shift, or was the only one emotionally strong enough to handle being at the register.
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@Being_Melody
Melody Kewl
7 years
@bigheadneil @SunniAndTheCity I’m sure several people still have that app with a balance on it. This means what though?
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@Being_Melody
Melody Kewl
5 years
@erinbiba @ellouelle @NatashaTynes Actually more. She need earning potential pay also.
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@Being_Melody
Melody Kewl
3 years
My pandemic puppy’s first snow. She was not impressed.
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@Being_Melody
Melody Kewl
2 years
Got laid off two weeks ago and my cup is overflowing with opportunity after opportunity. I am so thankful! It’s honestly overwhelming and motivating at the same time. I said I was going to experience quantum leaps this year and it’s happening.
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@Being_Melody
Melody Kewl
5 years
@Ciella_Star @SaintSmith_ The teacher sat back and was chilling! I stan for this mom! She had time and she let them know run tell that!
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@Being_Melody
Melody Kewl
6 years
@GiftedAsia @JamilahLemieux I had this convo with my hubs years ago when we first started living together. That shake is why pee gets in the bathroom floor. Please take one piece of tissue and dab it off.
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@Being_Melody
Melody Kewl
3 years
@deadshotkb This class probably comes with some type of knee requirements. Half of us ain’t making it.
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@Being_Melody
Melody Kewl
1 year
I interviewed for a large company and made it to the last round. They decided not to move forward because their system told them for a senior position I should only be making $106K in SC. My ask was a higher but within their range. They’ve reposted the job twice now.
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@Being_Melody
Melody Kewl
5 years
Thank you everyone for sharing about your experiences with this. We all are beautiful and our bodies are PERFECT! This is the narrative I want us to pass down to our younger cousins, nieces, and children. Our bodies are ALWAYS perfect, no matter what size we may be at the time.
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@Being_Melody
Melody Kewl
3 years
They sent my Dad an email saying everyone’s is going back into the office. He wrote back and said if that was true then he’s sending in his resignation. They told him he could continue working from home. I was proud of him.
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@Being_Melody
Melody Kewl
4 years
@atruebomb_ @_ShakiraLynn @zthunda Wait... so she has to cater to a man that ain’t even hers? Her boyfriend can’t control himself? It has nothing to do with respect, it’s the fact that she can wear whatever she wants in her residence. If the boyfriend is uncomfortable he should leave.
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@Being_Melody
Melody Kewl
1 year
@shaTIRED I've always felt like the threats and the way people were acting before as unnecessary because a lot of people were unaware of the pause. But, now with the concert on the final leg of it's tour, the people doing this are being deliberate.
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@Being_Melody
Melody Kewl
3 years
@AyeshaSelden Tithing is about faith. It’s the one place in the Bible where God say’s “trust me in this and see if so I won’t bless you.” Even though I know I could do a lot with what I tithe, I choose to trusts that God could do more than I can with that seed.
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@Being_Melody
Melody Kewl
4 years
@RN4LDMarie @blissfulashh My mom noticed the same and asked me was I about to give up. She went to my sister before coming to me and asked her was I depressed. When she asked me I loudly admitted yes.
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@Being_Melody
Melody Kewl
2 years
Bank Of America’s new home owner program feels like it’s the continuation of trying to lump minorities into certain neighborhoods.
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@Being_Melody
Melody Kewl
10 months
@LoIra_BTW 😧 what???? That’s crazy!
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@Being_Melody
Melody Kewl
6 years
@such_A_frknlady @__BHB__ Very! Also what does his sexual preference have to do with it? It’s like their goal is to mislead and marginalize.
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@Being_Melody
Melody Kewl
10 years
@Kristi_Capel You knew exactly what you were saying because of the context you used it in.
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@Being_Melody
Melody Kewl
2 years
I know God don’t play about his faves cause I got laid off last week already secured a nice four figure influencer campaign.
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@Being_Melody
Melody Kewl
10 months
@girlsautoclinic Where??? Used cars are going for save price as new cars now.
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@Being_Melody
Melody Kewl
3 years
I really wrote a whole Personal Finance book and I don’t celebrate that enough. This year I’m redesigning the cover and adding my picture to it.
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@Being_Melody
Melody Kewl
4 years
@bevysmith Van Jones doesn’t know who he is. He panders to whoever has a check for him.
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@Being_Melody
Melody Kewl
3 years
@AyeshaSelden I think a lot about this and I realize that for me, when I didn’t tithe, I was always stressed about money. I started consistently tithing when I started focusing on paying off debt, and there was never a moment during that time I felt a “lack” like I felt when I wasn’t tithing
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@Being_Melody
Melody Kewl
4 years
@JackieHillPerry Such a beautiful name. Congratulations to you and Preston! I can see you now saying Peace please be still!” when these toddler years hit.
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@Being_Melody
Melody Kewl
3 years
My job is giving us a stipend to use for home office stuff. Send me your favorite home office must haves, including wall art. What has made your work from home that much better?
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@Being_Melody
Melody Kewl
5 years
@ClarissaMBrooks Girl I’m sure if Jesus himself turned water into wine and gave it to you, you’d complain it wasn’t a Corona. He is doing what he didn’t have to! That’s the definition of generosity!
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@Being_Melody
Melody Kewl
2 years
My sister had her student loans forgiven!!!!
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@Being_Melody
Melody Kewl
2 years
Did yall know AARP is available to anyone no matter your age? Gon' get them perks while you're young.
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@Being_Melody
Melody Kewl
7 years
@RobinMazumder @biochembelle I wish I would have advocated for more professional development. I left my PhD wondering “now what?” as there wasn’t much help if you didn’t want to do a traditional postdoc.
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@Being_Melody
Melody Kewl
3 years
Had the aging parent conversation with my husband tonight in regards to preparation. He’s an only child so it automatically falls to him, which means as his wife it would basically fall to me. I made it clear that I am a small piece of the puzzle, not the solution to the problem
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@Being_Melody
Melody Kewl
2 years
@Steez_Louise I said the same thing!!! I would have snapped a pic of him with that gun in his hand and snitched so fast!!!
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@Being_Melody
Melody Kewl
1 year
@TheBaddestMitch But like why does going to Hollywood make her bad? We have no context here.
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@Being_Melody
Melody Kewl
3 years
We officially got a 401(k) at work. This is a big deal because I work for an early start-up. Now my question is do I max it out?
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@Being_Melody
Melody Kewl
10 months
@Ksummm22 Oh I am. I just wanted to gently prepare her for what’s out there.
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@Being_Melody
Melody Kewl
6 years
@Dantej21 I had to watch this again. These people were speeding recklessly for conditions. And yes girl you needed to stay in the truck
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@Being_Melody
Melody Kewl
2 years
Are we collectively agreeing that cover letters are no longer a thing?
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@Being_Melody
Melody Kewl
2 years
Yesterday I was laid off from my full-time job of two years that I loved. I woke up today with immense gratitude and excitement about what new opportunities were headed my way. Because I know when a door closes it's in preparation for another one or many to open.
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@Being_Melody
Melody Kewl
1 year
@afrodiziac80 @TheBaddestMitch This isn’t wholly correct and doesn’t align with my original point. She says she’s going to Hollywood. We have no context beyond she’s going to Hollywood. She could be visiting or taking a contract with something outside of WGA & SAG-AFTRA.
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@Being_Melody
Melody Kewl
3 years
My ROTH will be fully funded by the first week of March!
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@Being_Melody
Melody Kewl
3 years
@AriJBlige @tanyahayles It’s the only thing that keeps music on your your Facebook post. That’s why people do it there.
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@Being_Melody
Melody Kewl
8 years
@YoItsKenneth @msmarypryor he looks like he's about to go Samuel L Jackson on Trump
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@Being_Melody
Melody Kewl
1 year
@PersnicketyK I was doing 10%. You honestly come out better the more you do because it’s less money to be taxed.
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@Being_Melody
Melody Kewl
3 years
@flynanced It’s not. People that say it is are working for companies that don’t respect them out their time. I have people on my team who I have to force to take time off. I remind them they aren’t getting a payout when they leave, so use it!
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@Being_Melody
Melody Kewl
2 years
I finally finished my dining room! I’m already planning my first dinner party.
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@Being_Melody
Melody Kewl
3 years
Can we discuss how hard it is to buy yourself something really nice after you've dug yourself out of debt? The trauma lingers to a point where spending money becomes hard to do.
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@Being_Melody
Melody Kewl
3 years
I guess I’m different. As an educator in the personal finance space, I don’t mind answering a question over and over again or reexplaining a topic. There are different ways to ask and different ways to answer, and I hope that each time I share someone is positively impacted.
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@Being_Melody
Melody Kewl
2 years
One of my new headshots.
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@Being_Melody
Melody Kewl
7 years
@wsvn @Ezell_Jenkins Her reaction is “ I know im being filmed so let me keep my cool”
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@Being_Melody
Melody Kewl
4 years
Well now that we officially have a new President and VP, I can now announce that this is my last week as a full time entrepreneur! I’ve accepted a full time employment offer that allows me to do more of what I love on a bigger scale. I’ll share more deets next week.
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@Being_Melody
Melody Kewl
8 years
This heat ain't budging so you might need the . @makeupforeverus Water Blend Foundation!
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@Being_Melody
Melody Kewl
9 years
@Caitlyn_Jenner @PatMcCroryNC @freedom4allusa aren't you backing Ted Cruz? Because he's certainly anti everything lgbt
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@Being_Melody
Melody Kewl
8 years
Top products you need from . @makeupforeverus to create a flawless complexion.
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@Being_Melody
Melody Kewl
5 years
@sarahshahi @shanboody “If what I said offended you” means you were intimidated to go on after such a amazing women of color delivered expertise that aligned with her purpose. You felt that the only way to look good was to diminish her. The sword you wield will be the sword you fall on. Believe that
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@Being_Melody
Melody Kewl
3 years
As of today my ROTH is over 50% funded!
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@Being_Melody
Melody Kewl
3 years
Next house... I want separate bathrooms. Do couples do separate bedrooms and bathrooms?
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@Being_Melody
Melody Kewl
1 year
This is 40.
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@Being_Melody
Melody Kewl
2 years
I just discovered the power of cranberry juice on sleep. One been drinking diluted cranberry juice for the past three nights before bed, and each night I’ve had a full restful sleep. Apparently cranberry juice is a good source for melatonin.
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@Being_Melody
Melody Kewl
3 years
Americans are forced to save for their own retirement yet they aren’t taught how to save for retirement, resulting a crisis where people can’t afford to get old.
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@Being_Melody
Melody Kewl
3 years
It’s disheartening to see so many people sharing their debt pay off stories get a platform and then turn around and tell people that being poor or broke is optional. I get the whole mindset thing but not everything is optional.
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@Being_Melody
Melody Kewl
2 years
@SupernovaMomma Ain’t this how JD lost Janet? Hey got some nerve.
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@Being_Melody
Melody Kewl
1 year
@afrodiziac80 Could have been in the job almost 3 months now. It came down to them believing that a computer program knew my worth more than I did.
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@Being_Melody
Melody Kewl
10 months
@perfectlyteka Same!!!! We haven't had a car payment since 2015. We're saving now in preparation for when the day inevitably comes.
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@Being_Melody
Melody Kewl
2 years
@JunaeBrown Realizing that how much time I spent mentally dealing with my feelings around my weight and shopping for clothes was more taxing and exhausting then actually working out making and better food choices.
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@Being_Melody
Melody Kewl
2 years
Financial autonomy in relationships is important. I believe in joint accounts for household bills, goals, savings but you should have the right to privacy with personal accounts.
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@Being_Melody
Melody Kewl
4 years
@MarlaDShepard @AP I’m hoping it’s mistaken identity cause nope!
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@Being_Melody
Melody Kewl
4 years
Those calculating net worth. Do you include your home in this calculation?
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@Being_Melody
Melody Kewl
2 years
@JessicaWisdom1 @ruchifruitwala @kuntsukuroi Based on this reply the candidate 100% dodged a bullet by not giving you anymore of their time. It’s fairly straightforward to know how many interviews are required but you seemed to have failed at being knowledge on the interview requirements.
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@Being_Melody
Melody Kewl
10 months
@_GodHerself @VinceJVan Rickey didn't say anything crazy or out of the way about Katt Williams.
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@Being_Melody
Melody Kewl
3 years
@_SydVicious_ They don’t do well with being joke around with. They easily take offense to everything because they didn’t have that sibling jesting to learn from.
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@Being_Melody
Melody Kewl
5 years
@ReignOfApril @luvmymdjs I was just saying this to my friend. What other question could she have asked or what else could she have said to show she was concerned.
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@Being_Melody
Melody Kewl
11 months
This is a friendly reminder that I am, have always been, and will always be a baddie.
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@Being_Melody
Melody Kewl
11 months
@ravenscimaven Wait until you start to gray down there…. Very humbling.
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