MTO EXCLUSIVE: R&B Singer Mya HIT THE JACKPOT . . . She Got A RICH ARAB MAN . . . Like Janet Jackson!! (PICS)

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R&B singer Mya is off the market - and if she plays her cards right, she may never have to work again!!!

The LOVELY R&B singer was photo'd in Australia on vacation with her new boyfriend, a wealthy Arab man. According to reports from DOWN UNDER - he was blowing money LIKE WATER on the lovely singer.

Congrats to Monica for finally getting the type of MONEY MAN she deserves.