
Oftentimes when we hear about ChatGPT prompts, there's always some sort of business pitch, entrepreneurship push, or other shortcut connected to money-making. (Well, at least that's been the annoying case with my Instagram feed.) It's undeniable, though, that ChatGPT prompts can be game-changers, even beyond business plans or revenue schemes.
For me, creating and using my own ChatGPT prompts has been more about self-motivation, self-development and inspiration, especially at a tough time of career transitions and personal shifts. And as cray-cray as things seem in the U.S., especially related to one's livelihood, future financial stability, and overall mental health, I decided to take back a bit of my power using a great AI resource that you'll literally wonder how the hell it knows you so well to even answer your prompts so accurately.
Here are a few ChatGPT prompts that have been super-helpful and empowering related to career and finances. Simply visit OpenAi.com/Index/ChatGPT (or use the app of your choice), copy and paste the prompts, and be sure to fill in the blanks before submitting them:
The "Level Up" Prompt
Write an encouraging letter to a Black [your age]-year-old woman who is a [occupation] and wants to level up in her career. She lives in [city and/or state], earns [your yearly salary], and wants to be able to [career passion 1], [career passion 2], [career passion 3] during her work day. She also wants to earn [your dream salary] and work from [office/home/dream place of business] but feels challenged by [briefly state challenge here in 3-4 words.]
I swear ChatGPT got me all the way together, reminded me of the amazing experienced journalist, editor, and speaker that I am, and gave quick tips on how to take things to the next level that are actually doable.
The "Get My Credit Card Debt In Check" Prompt
Write a detailed plan, with categories, for a woman in her [age group] who is a [occupation] earning [your yearly salary]. She wants to cut at least 50 percent of her current credit card debt of [card balance] with an APR of [percentage]. Her minimum payment is [amount] and she'd like to cut down in [days/months/years]. Her expenses include [list] along with non-negotiable spending on [leisure/travel/fitness/wellness or other activity].
From here, it can also create spreadsheets or you can request that it get more specific with each category. You can also request that the plan be adjusted based on the first response and whether it truly fits something you can realistically do. Add more specific details based on your life, the unique challenges you face, or other options you have in mind knowing what you're capable of or you're realistically interested in doing to pay off a debt.
The "Retire Early" Prompt
Write a step-by-step early retirement plan for a woman age [your age]. She has [time in years] of experience in [industry] and has been working for her current company for [how many years]. She also currently earns [amount] per year. She lives in [city and/or state], [rents/owns], and has [amount] in savings. She also has [amount] in her 401K [or Roth IRA---whichever is relevant to your situation.] She currently has [amount] in her checking account(s). [Add any other details about your earnings including side hustles, businesses, freelance work, settlements, lottery, rental income, or other funds you have access to.] She has [amount] in unpaid debt. She'd like to retire by [age; and be reasonable sis] and live in [city and state/country].
While early retirement might seem like a pipe dream to some of us, a prompt like this lets you know that it's more possible than you think. It's also something great to take to a financial adviser so you can sift through what's actually doable (based on real-life scenarios) and what's not.
The "Career Pivot" Prompt
Write a plan for a woman who works as a [occupation] and wants to pivot into earning money doing [new career or career activity]. She is passionate about [activity or goal] to serve [potential audience/client/customer]. She wants to transition out of [current career] to earn [amount] doing [new career or career activity] by [time/date] and earn [dream income that you'd make doing the new career activity]. Include steps and categories. Include a timeline to achieve this by [date].
This is a helpful prompt when you feel stuck in your current role (or even your career altogether) and simply need inspiration on what could be the perfect pivot. You can update this to include different career activities or scenarios, add company names or brands, and even ask for pitches or ways to brand yourself online to achieve this goal.
The "Faith-Filled Career Confidence Booster" Prompt
Write a letter from God to a woman who is feeling like she is behind in life. She feels lost and scared, especially with everything that is going on in the U.S. right now, politically and economically. She is [age], works as a [occupation], and lives in [city/state]. She has [educational degrees or training], loves [three passions/hobbies/favorite activities], and has [mention family, spouse, children, or other loved one, even if a pet here.] She is [mention three things you like about yourself including one about your appearance]. She wants to achieve [list two small but important goals here that are related to personal and/or professional life]. She has faced [list any major and specific challenges, briefly, here] and does not know how she will handle these challenges. Include [Bible verses] of encouragement to study.
This prompt had me in tears, but it reminded me of my Biblical upbringing and my foundation for success and motivation. It also reminded me to get stronger in my faith, to read my Bible a bit more, and to stop allowing doom and gloom to inform my approach to problem-solving.
The "Talk That Career Ish" Prompt
Write a letter from the perspective of a football [or sport of your choice] coach for a woman aged [age] who works as the best [occupation] in [city, state]. She has accomplished [list 3-5 highlights of your career, whether past or recent] and is a leader in [relevant business or career activities that reflect leadership, whether you've accomplished these things or they're aspirational]. She brings the following skills to the work with her: [list 2-5] and she is proud of [aspirational career goal of you at your highest career self.]
Add in the name of your favorite coach and this gets even better! (I used Deion Sanders, but choose who you want.) You'll not only get hyped up to remember the fabulous bad boss you are, but you'll also get tips on how to be even more successful in the future.
Try any of these prompts and use them as stepping stones to prompt positive thinking, further conversations for financial and career planning, or just a fun and potentially constructive distraction from all the mess that's going on. Dig deeper and request more specific steps, inclusions of actual resources like books, conferences, or course recommendations, or create images, vision boards, or graphs. Add in specifics that will help you remain accountable in planning to meet a specific financial or career goal.
Also, this is a big one: Be sure to remember that ChatGPT is simply a tool. It's neither a genie nor the Almighty. You'll need to fact-check, use common sense, and adjust any sort of plans based on your actual reality. Try out these ChatGPT prompts as springboards for sparking imagination, motivation, and innovation.
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Because We Are Still IT, Girl: It Girl 100 Returns
Last year, when our xoNecole team dropped our inaugural It Girl 100 honoree list, the world felt, ahem, a bit brighter.
It was March 2024, and we still had a Black woman as the Vice President of the United States. DEI rollbacks weren’t being tossed around like confetti. And more than 300,000 Black women were still gainfully employed in the workforce.
Though that was just nineteen months ago, things were different. Perhaps the world then felt more receptive to our light as Black women.
At the time, we launched It Girl 100 to spotlight the huge motion we were making as dope, GenZennial Black women leaving our mark on culture. The girls were on the rise, flourishing, drinking their water, minding their business, leading companies, and learning to do it all softly, in rest. We wanted to celebrate that momentum—because we love that for us.
So, we handpicked one hundred It Girls who embody that palpable It Factor moving through us as young Black women, the kind of motion lighting up the world both IRL and across the internet.
It Girl 100 became xoNecole’s most successful program, with the hashtag organically reaching more than forty million impressions on Instagram in just twenty-four hours. Yes, it caught on like wildfire because we celebrated some of the most brilliant and influential GenZennial women of color setting trends and shaping culture. But more than that, it resonated because the women we celebrated felt seen.
Many were already known in their industries for keeping this generation fly and lit, but rarely received recognition or flowers. It Girl 100 became a safe space to be uplifted, and for us as Black women to bask in what felt like an era of our brilliance, beauty, and boundless influence on full display.
And then, almost overnight, it was as if the rug was pulled from under us as Black women, as the It Girls of the world.
Our much-needed, much-deserved season of ease and soft living quickly metamorphosed into a time of self-preservation and survival. Our motion and economic progression seemed strategically slowed, our light under siege.
The air feels heavier now. The headlines colder. Our Black girl magic is being picked apart and politicized for simply existing.
With that climate shift, as we prepare to launch our second annual It Girl 100 honoree list, our team has had to dig deep on the purpose and intention behind this year’s list. Knowing the spirit of It Girl 100 is about motion, sauce, strides, and progression, how do we celebrate amid uncertainty and collective grief when the juice feels like it is being squeezed out of us?
As we wrestled with that question, we were reminded that this tension isn’t new. Black women have always had to find joy in the midst of struggle, to create light even in the darkest corners. We have carried the weight of scrutiny for generations, expected to be strong, to serve, to smile through the sting. But this moment feels different. It feels deeply personal.
We are living at the intersection of liberation and backlash. We are learning to take off our capes, to say no when we are tired, to embrace softness without apology.
And somehow, the world has found new ways to punish us for it.

In lifestyle, women like Kayla Nicole and Ayesha Curry have been ridiculed for daring to choose themselves. Tracee Ellis Ross was labeled bitter for speaking her truth about love. Meghan Markle, still, cannot breathe without critique.
In politics, Kamala Harris, Letitia James, and Jasmine Crockett are dragged through the mud for standing tall in rooms not built for them.
In sports, Angel Reese, Coco Gauff, and Taylor Townsend have been reminded that even excellence will not shield you from racism or judgment.

In business, visionaries like Diarrha N’Diaye-Mbaye and Melissa Butler are fighting to keep their dreams alive in an economy that too often forgets us first.
Even our icons, Beyoncé, Serena, and SZA, have faced criticism simply for evolving beyond the boxes society tried to keep them in.
From everyday women to cultural phenoms, the pattern is the same. Our light is being tested.

And yet, somehow, through it all, we are still showing up as that girl, and that deserves to be celebrated.
Because while the world debates our worth, we keep raising our value. And that proof is all around us.
This year alone, Naomi Osaka returned from motherhood and mental health challenges to reach the semifinals of the US Open. A’ja Wilson claimed another MVP, reminding us that beauty and dominance can coexist. Brandy and Monica are snatching our edges on tour. Kahlana Barfield Brown sold out her new line in the face of a retailer that had been canceled. And Melissa Butler’s company, The Lip Bar, is projecting a forty percent surge in sales.

We are no longer defining strength by how much pain we can endure. We are defining it by the unbreakable light we continue to radiate.
We are the women walking our daily steps and also continuing to run solid businesses. We are growing in love, taking solo trips, laughing until it hurts, raising babies and ideas, drinking our green juice, and praying our peace back into existence.
We are rediscovering the joy of rest and realizing that softness is not weakness, it is strategy.
And through it all, we continue to lift one another. Emma Grede is creating seats at the table. Valeisha Butterfield has started a fund for jobless Black women. Arian Simone is leading in media with fearless conviction. We are pouring into each other in ways the world rarely sees but always feels.

So yes, we are in the midst of societal warfare. Yes, we are being tested. Yes, we are facing economic strain, political targeting, and public scrutiny. But even war cannot dim a light that is divinely ours.
And we are still shining.
And we are still softening.
And we are still creating.
And we are still It.

That is the quiet magic of Black womanhood, our ability to hold both truth and triumph in the same breath, to say yes, and to life’s contradictions.
It is no coincidence that this year, as SheaMoisture embraces the message “Yes, And,” they stand beside us as partners in celebrating this class of It Girls. Because that phrase, those two simple words, capture the very essence of this moment.
Yes, we are tired. And we are still rising.
Yes, we are questioned. And we are the answer.
Yes, we are bruised. And we are still beautiful.

This year’s It Girl 100 is more than a list. It is a love letter to every Black woman who dares to live out loud in a world that would rather she whisper. This year’s class is living proof of “Yes, And,” women who are finding ways to thrive and to heal, to build and to rest, to lead and to love, all at once.
It is proof that our joy is not naive, our success not accidental. It is the reminder that our light has never needed permission.
So without further ado, we celebrate the It Girl 100 Class of 2025–2026.
We celebrate the millions of us who keep doing it with grace, grit, and glory.
Because despite it all, we still shine.
Because we are still her.
Because we are still IT, girl.
Meet all 100 women shaping culture in the It Girl 100 Class of 2025. View the complete list of honorees here.
Featured image by xoStaff
Sweet Dreams: 10 Things Science Reveals About Dreams That Might Make You Rethink Sleep
I do so much random online research that I can’t even really tell you how I ended up reading about dreaming — but boy, did it pique my curiosity enough to want to write about it. For instance, did you know that your dreams tend to be longer during the morning time, that you can remember your dreams better on the weekends, and that, contrary to popular belief, not everyone dreams in color? Reportedly, somewhere around 12 percent of humans actually dream in black and white.
Since we all spend roughly one-third of our lives sleeping, and a good portion of that is while we are in a dream state, let’s take a moment to explore some fascinating (and proven) facts about the topic of dreaming.
It just might cause you to think more (or differently) about how you rest and when you rest — so that the quality of your dreams can become better than ever.
1. Men and Women Dream Pretty Differently
GiphyA quote that I like and use often is, “If two people were exactly alike, one of them would be unnecessary.” (Larry Dixon) And yes, men and women are created differently in order to balance one another — and I will forever die on that hill. Which is why it doesn’t surprise me in the least that, even when it comes to dreaming, males and females are not exactly the same.
Although research does indicate that dreaming, in part, is about how we process memories while we sleep regardless of our gender, men’s dreams tend to be more about action while women’s dreams are more about conversation. Not only that but women’s dreams are typically longer; men dream about other men more than women do (interesting), and women dream more from their own perspective while men daydream more with the topic usually being about sex.
2. Lucid Dreaming Is a Method to “Control” Your Dreams
GiphyIf it feels like you are aware of the fact that you are dreaming as you are doing so, pardon the pun, but it’s not all in your head. What this is called is lucid dreaming and, the fascinating thing about it is, to a certain extent, you can actually control these types of dreams whenever you have them. If the mere thought of this fascinates you and you want to try and “rig up” some of your dreams (LOL) — some sleep experts say that doing things like keeping a dream diary and a sleep schedule can help to make this happen. Anyway, you can read more about lucid dreaming here.
3. Dreams Typically Have a Short Shelf Life
GiphyAlthough it’s been reported that people tend to spend somewhere around two hours of their night dreaming, the thing to keep in mind is most individuals have multiple dreams during that period of time — and for this reason, oftentimes dreams last for no longer than 5-10 minutes tops (although some have the ability to last considerably longer. You can read more about that here and here).
4. Dreams Happen When You Are in REM Sleep (You’re “Paralyzed” Then Too)
GiphyWhen it comes to sleeping, it actually happens in four different stages. While you can read more about those here, as far as your dream state is concerned, most of that tends to happen during your rapid eye movement cycle which is better known as REM. It is when you are in your final stage of sleep which is why your dreams typically are the most intense during that time.
Know what else is wild about dreaming during REM? Although you don’t realize it, your body is actually paralyzed. And although, initially, that might sound low-key terrifying, it’s actually a blessing in disguise because your brain is telling your muscles to stop working (temporarily) and that is what ultimately keeps you from acting out whatever you are dreaming about. The more you know.
5. Certain Sex Dreams Have NOTHING to Do with Sex At All
GiphySex-themed dreams are very normal and quite common. Thing is, although the dreams may be about sex, oftentimes what they are interpreting is something entirely different. For instance, a BDSM dream is oftentimes about having a controlling parent, while a sex dream that involves a lot of dirty talk could represent someone who wants to free themselves from how others perceive them, and recurring sex dreams about your ex typically means that there are some unresolved issues that you may have with them.
Oh, and while we’re on this topic, dreams about cheating usually means that you are feeling some sort of jealousy in your relationship while sex with a boss usually means that you want to move up in your job or be appreciated more often — not that you want them in a sensual type of way.
6. You Can’t Read or Tell Time in Your Dreams
GiphyHere’s something that you’ve probably never thought about before — when you think back on the dreams that you can remember (more on that in a bit), how many of them do you recall reading or even telling time in? If you said “a few,” science would probably give you the side-eye because, according to their research, reading (and telling time) is virtually impossible to do whenever you are in your dream state.
The reason why is because, while you are dreaming, the logical and intellectual part of your brain pretty much shuts down. If that bothers you, the easiest way to try to read (or tell time) would be to train your mind to do some of the lucid dreaming that we already talked about.
7. Your Recurring Dreams Typically Mean You Need to Address Something
GiphyOut of all of the things that I’ve mentioned about dreams, this is probably the most obvious revelation — if you are having a recurring dream, it tends to mean that either you have some unresolved issues in your life or there is a need that needs to be met that hasn’t been yet. While doing a bit of research on this one specifically, I thought it was interesting that many mental health experts say that some of the most common recurring dreams involve flying, falling, encountering a dead individual, your teeth falling out or being nude.
And what are some ways to “end” recurring dreams? See a therapist. State what your needs actually are (to the person who is not meeting them). Lower your stress levels. Get more consistent rest. Speak with your doctor about altering your medications (if you happen to be on some). To that last point, a not-so-fun fact: melatonin usage is sometimes attached to nightmares. Goodness.
8. Foods You Consume Can Influence Your Dream State
GiphyThere are several reasons why you shouldn’t eat immediately before turning in at night; one reason is because it has the ability to mess with your body’s natural circadian rhythm which is your system’s 24-hour clock. This is relevant when it comes to sleep because your circadian rhythm helps to control things like your sleeping pattern.
Another thing to take note of is to not only push the plate back 2-3 hours before going to bed but to watch what you do choose to consume as well. That’s because, believe it or not, certain foods do have an impact on your dream life. Like did you know that dairy can cause digestive issues that can lead to microaggressions that can give you very strange dreams?
Or were you aware that sugary foods can trigger your nervous system and make your dreams more vivid and intense? Interestingly enough, dairy, sweets and also spicy foods can also increase your chances of having a nightmare. Hey, don’t shoot the messenger, chile.
9. Is It True That Some People Don’t Dream at All?
GiphyI don’t know about y’all, but when I was growing up, I used to hear that if you don’t dream, you’re crazy. The actual fact is that, although most people absolutely do dream, the reason why they don’t remember them (or they dream less than other people) is because they don’t fall into REM sleep as much or often as they should.
And what are some of the main reasons for why this would happen? Sleep disorders, depression and medications that treat anxiety are all things that top the list. So, if not dreaming is something that bothers you, speak with your doctor and consider seeing a sleep specialist. An underlying issue could be the cause.
10. Not Only Scary Movies Lead to Nightmares
GiphyWhile reading a Harvard-based article entitled, “Nightmares and the Brain,” I thought it was interesting that it separated nightmares from night terrors (nightmares can be remembered; night terrors cannot although people do wake up screaming or frightened), that night terrors mostly happen to children and “Night terrors are not technically dreams but are instead sudden fearful reactions that occur during transitions from one sleep phase to another.”
Okay, but clearly people have actual nightmares (1 in 20 people say that they do at least once a week); however, guess what the source of a lot of them are? While sometimes it’s a horror film, oftentimes it’s stress, anxiety or simply sleep deprivation. Honestly, I might have a nightmare a couple of times a year, tops (and I remember my dreams on a daily basis). So, if that’s a sign that I’m managing stress well — happy to hear it!
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Welp, there you have it: 10 facts about dreams. Now that you know them, does it make you want to approach sleeping — and dreaming — in a different way? If so, hop in the comments and tell us why. Because, clearly, dreaming is more than just a notion. Amazing.
Sweet dreams to all, y’all.
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