Money Talksis an xoNecole series where we talk candidly to real women about how they spend money, their relationship with money, and how they get it.
As the year comes to a close, I know many of us have been doing a lot of reflection on what we did and didn't do in order to reach certain goals. We have created to-do lists and vision boards, prayed on a daily basis, cut people off who hinder growth, signed up for masterclasses—the list goes on, honey! Whether you feel you have seen any progress or not, if you've done at least one of the things I listed, sis, you're doing a good job. The worst thing you can do to yourself is to have all of those amazing dreams and not put any action behind them.
In order to reach your goals and live a fabulous life, I spoke to the expert herself: Cheryl Grace. She's no stranger to corporate life and became a full-time "fabulosity coach" after more than 25 years climbing the corporate ladder. Cheryl knew she wanted to become the person to others that she felt she needed in her early 20s. In 2017, she created Powerful Penny, a lifestyle brand for women at work, in love, and at home.
Courtesy of Cheryl Grace
Through her platform, she empowers women to show up in all the areas of their life at work, in love, and at home, which equals the ultimate fabulosity. "There is this myth that women do not have any power when it comes to money," she said. "I named my company the Powerful Penny because people discount Black people, especially Black women, the same way we discount pennies. But what people forget to realize is that pennies add up. So, pennies can be powerful when you make the decision to collect them and not toss them away. You can do whatever you set your mind to when there is intention behind it."
In this installment of Money Talks, Cheryl talks about how trusting your gut, setting intentionality, and asking for help as the keys to being financially free.
On what she makes in a month:
"Powerful Penny was founded in 2017 and I started it as a side hustle. I went full-time starting at the top of 2021 and I generated $30,000 in the first month. My next goal is to make my first million within the year, so for me, March 2022 is my deadline to see if I reach my goal."
On pivoting to full-time entrepreneurship:
"I think the pandemic helped me. I know a lot of people went through challenges during 2020, and rightfully so. But for me, 2020 was my most productive year ever! I wasn't traveling like I usually do for work, so with the opportunity of staying still, I was able to focus on the products I wanted to create and the courses I wanted to teach. I was ready for a change. I was very intentional about moving out of corporate America into my new role."
On the definition of “wealth” vs “success”:
"I think everyone needs to define success for themselves. For some people, success is strictly monetary. They are trying to reach that six-figure-a-year job. For me, success is owning a cottage by the water. I've collected furniture and decor for the last 10 years and manifested my cottage, [which] for me is mainly a place where my family can gather and keep for generation after generation. Wealth, for me, is being able to build a legacy. Things you have accumulated and can pass on to the next generation is a priority."
On the lowest she has ever felt when it comes to money:
"The lowest I've ever felt when it came to money was when my car got repossessed. During that time, I was going through a divorce and it was a reality check that I could not depend on my then-starter husband to take care of things. I had to figure out how to take care of things myself. That was when I started being intentional about my financial choices instead of living in the moment."
On educating others on the importance of setting intention with money:
"Let's say a person walks up to you and they say they want to be rich. You question them and ask, 'What does being rich look like for you? How are you going to get there?' We have these big audacious goals for ourselves—which is great—but if we do not know how to take small bites or understand what it will actually take to get to our goal, then we are not setting intentions. We can't assume that we can think of big goals and expect them to come true just because we put them on our vision board. It's also about the actions you take and the choices you make to get there. We have to take things one bite at a time."
Courtesy of Cheryl Grace
"We can't assume that we can think of big goals and expect them to come true just because we put them on our vision board. It's also about the actions you take and the choices you make to get there."
On having multiple streams of income:
"I wanted to continue living the same lifestyle I was living when I was working in corporate. So right now, with the Powerful Penny, I have products and services. I have my journals, affirmation cards, online courses, and executive coaching sessions. A book called The Miracle Morning helped me figure out who my core client would be.
"At the end of the day, I make sure that I keep my products at affordable prices for my clients and consumers [in order] to sustain my multiple streams of income."
On unhealthy mindsets about money she had to let go of:
"A few years back, I had no problem dropping $2,000 to $4,000 on a handbag, but if you would have told me to drop that same amount into an investment product, that would have been another story. I really started to look at less material things and more at what was important for me internally. I started learning how to invest in myself and stop being afraid of what my reality looked like. How you organize your money in your purse says a lot about how you respect it."
"How you organize your money in your purse says a lot about how you respect it."
Courtesy of Cheryl Grace
On the money mantra she swears by:
"My mantra is always, 'Trust your gut.' I don't think a lot of women trust their gut when it comes to money."
For more about Cheryl Grace, follow her on Instagram @iamcheylgrace.
Featured image courtesy of Cheryl Grace
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What made it even more special? We were back in the place where we first fell in love, now creating new memories in the same sun-drenched paradise. From booze cruises, pickleball matches, and wellness shots, to alluring late-night jacuzzi rendezvous, soul karaoke, and far too much champagne mixed with tequila, to really good jerk chicken and repeat-visit-worthy Asian cuisine, bae and I had a time.
Couples Negril And Couples Swept Away: Twins On The West Coast Of Jamaica
And it’s fitting that we visited in June (which is considered low season—a time when there are less travelers and better deals) because these sister resorts are like Gemini twins that embody two distinct sides of the same spirit.
Set between Negril and Hanover, Couples Negril is the social butterfly, full of energy and artistic flair; Couples Swept Away is the introspective dreamer, grounded in nature, wellness, and tranquility.
While they’re quite opposite in vibe, they’re united by a shared history and reflect the classic Gemini duality: light and shadow, play and peace, expression and reflection.
Bae’s Favorite: Chic, Modern, And Cozy At Couples Negril
Couples Negril Suite
Courtesy, Couples Negril
Bae’s favorite was Couples Negril—which has more than 230 rooms and spans 18 acres—for its mix of entertainment, modern minimalist vibes, and a diverse crowd of couples. He especially loved Otaheite Restaurant with its low-lit red velvet love seats and dishes meshing luxury with traditional island flavors (like the merlot stewed rabbit served with coconut polenta and the filet mignon with the jerk glaze.) And he lives for hearing me sing, so the piano bar was our jam.
We also spent lots of time at the beach bar, one of five on the property, snacking on fish tacos and sipping margaritas just steps from our suite.
We saved the rum for the included catamaran cruise (book ahead!), which came with endless punch and views of Negril’s West End—a fave spot of ours. Couples Negril made the all-inclusive life feel surprisingly easy and fun.
The property also features a treehouse spa, two pools, four jacuzzis, an au naturale beach (whew, chile!), and sports facilities. Everything was easy to access—the layout felt cozy and well-organized, making it simple to move between activities and amenities. At this resort, you can really have some grown-and-sexy fun without it feeling like a raunchy spring break episode of Couples Gone Wild.
My Favorite: Private, Classic Charm, & Nature Mystique At Couples Swept Away
Couple's Swept Away Suite
Courtesy, Couples Swept Away
While I loved Couples, once we stepped over to Couples Swept Away, the lush nature set on 19 acres won me over. This twin, which has 312 suites, 7 restaurants, 8 bars, 3 pools, 5 jacuzzis, and a spa, leans into intimacy and seclusion, and I felt like we had more privacy and room to explore–just the two of us—at this property. The rooms are rustic-luxurious, dressed in island cedar, with classic shutters and expansive verandahs that have hammocks where you can enjoy bright flora, the sounds of exotic birds, and the sea views.
The absence of TVs—along with its tropical fantasy allure— meant a 10 out of 10 experience for me. This resort invites couples to breathe deeper, slow down, and truly get to the core of intimacy, all within the hum of nature.
There were hidden enclaves with dipping pools, jacuzzis, open-air cafés, and quiet corners where you can sit by ponds filled with fish and bird watch (or have a little sneaky link with bae!)
One of my favorite stand-out amenities at this resort: the 10-acre fitness complex just a short walk across the road from the main property where I’d have my early-morning me-time while bae slept in. It has 10 tennis courts, squash and racquetball courts, a fully equipped gym, and a wide range of wellness and fitness classes are held there. I also enjoyed turmeric and ginger shots at the wellness bar.
Other standouts for food and nightlife included Lemon Grass (where you can enjoy Asian-inspired food and listen to the live music coming from downstairs), the chic Patois Bar (which was the late-night hotspot overlooking one of the pools and serving your usual bar fare like burgers and quesadillas—felt like we were at a Miami nightclub), and the Aura Bar (where bae sang with a quintet of other slightly drunken men and where we did the cliche but super-lit millennial couple thing: danced the night away to Top 40 hip-hop, salsa, and rock classics).
The Patois Bar
Courtesy, Couples Swept Away
Baecation Tip: Just be sure your partner packs a few linen or dress pants, loafers or soft dress shoes, and a few button-down shirts for the restaurants that require reservations. Also book your table and all-inclusive excursions in advance (or on the first day you arrive at the resort).
All in all, this resort-hop wasn’t the stifling, prison-in-paradise all-inclusive experience I remembered from the Jamaica family vacations of my youth. It also wasn’t the stereotypical AI disaster of bland food, lackluster customer service, and senior citizen activities that many complain about on social nowadays.
Both resorts offered a fresh take on luxury, great food, and good vibes—all without losing the intimacy we craved. All-inclusives might not be our every trip vibe, but for this chapter? It was exactly what we needed, and we look forward to making repeat bookings at both Couples Negril and Couples Swept Away in the future.
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