This MusicPro/MrMckoy war has me cracking up!
But I have to agree with San on this one... I've never met nor heard of an Urban Model that made a decent living off of modeling or became wealthy off of it by making 6 figures with a healthcare plan and 401k. The most I've heard of is 5 grand for a video and occasional stints in low budget movies. Hosting parties, television, and radio shows don't produce a lot of figures but does produce exposure... It's usually mainstream models/supermodels like Tyra Banks that make the real money and can parlay their success into a real career and other successful business ventures. It's funny because urban models, most of them anyway, have to work very hard to get "discovered" but most successful mainstream models that get signed to large modeling companies like Ford get discovered walking down the street... and they go on to make a ton of money...
Things do change however... so for all you "Urban" models, I'm not saying give it up and get a real job... perhaps in the future their will be more opportunities for urban models. maybe not in the immediate future, but eventually...
If you're content to making a little money here and there and hustling for all your money then continue working hard in the urban field but you should have something to fall back on... in other words, you should view urban modeling as a hobby or a side hustle(like stripping) and have a primary occupation that takes care of the important things like bills and healthcare. Or like San said stay in school and get an education...