
Are you interested in investing your money? Do you want to learn the ins and outs of the stock market? Maconomics star Ro$ Mac is all about his coin and doesn't mind sharing his knowledge either. Not only is he the first Wall Street rapper but his weekly segment on Revolt TV has really set the bar for what it means to pour back into the black community. Mac secures the bag, but also makes sure to pay it forward by spearheading a message of black wealth and providing the keys to the kingdom through financial literacy on social media.
Together, money and knowledge is true power and Mac's platform is proof of that fact. His videos are short, direct, and most importantly informative when it comes to the dos and the don'ts of all things investing. Mac is advocating for breaking generational curses and building generational wealth one post at a time. Recently, xoNecole had the privilege of chopping it up with the financial expert about Maconomics, the stock market, and why black wealth matters.
xoNecole: How did you make the transition from working on Wall Street to becoming a Wall Street Rapper?
Ro$$ Mac: When it came to making a transition, it wasn't that I had to choose one or the other which I was extremely grateful for. I was able to balance both roles and it was a blessing. I was able to hear myself on the radio on my way to work on Wall Street. To be honest, when I first started working on Wall Street while making music, I was very self-conscious about my co-workers knowing about the other side of me. Being a black person working in corporate America, you are very conscious of how you are perceived. Being a rapper was not how I wanted to be perceived.
What inspired you to become so well-versed with the stock market?
What truly inspired me was when I moved back home to Chicago and I was still working in finance at the time. After reconnecting and interacting with my homies that I grew up with, I realized there was a vast difference where people were in their lives based on exposure. I was considering how I could give back to my community in a dope way while simultaneously still being myself. I created Maconomics to bring Wall Street to the main street. I wanted to drop the same gems that I've been exposed to with the same people that come from where I come from. If someone is my brother, they don't necessarily have to travel the same path that I've traveled to benefit from the knowledge that I have. Life for me is about passing on the knowledge and not being selfish with it.
"I created Maconomics to bring Wall Street to the main street. I wanted to drop the same gems that I've been exposed to with the same people that come from where I come from. If someone is my brother, they don't necessarily have to travel the same path that I've traveled to benefit from the knowledge that I have. Life for me is about passing on the knowledge and not being selfish with it."
At what age did you invest in your first stock?
I was 18 and in college when I first invested in the stock market. I saw a kid trading stocks in one of my classes. I asked my economics professor what would be a good stock to invest in and she told me that no matter what, people will always need their utilities. I ended up buying G.E. for 7 bucks and it didn't really make me any money but it was a good start.
What can people expect to learn from your show 'Maconomics'?
People can expect to learn financial literacy for black culture. Maconomics allows people to learn about themselves by me addressing questions that people are too afraid or shy to discuss. Black people don't like discussing finances which are taboo in certain communities. Maconomics is a platform to bring financial literacy with a twist. I'm able to make people laugh while also educating and informing you. I'm able to give you the facts and tell you what other communities are doing and why they are richer. Maconomics is all about financial literacy and bringing it to my audience in both a comedic and entertaining way so that it will stick with you and be easy to digest.
You have started the campaign “Black Wealth Matters”. How has that decision contributed to your life and others? What does black wealth mean to you?
Black wealth is the solution to racial injustices. Living in a capitalist society, those without capital tend not to have any power. The moment that black people have more access to attaining wealth and capital, and better knowledge about getting it and keeping it. I believe from a social justice standpoint we will get a lot further in life by expanding our financial literacy. Black wealth has been kept from us in a very systematic and intentional way. When you look at what happened on Black Wall Street, redlining, and bank loans. Everything that was done in the past was done with great intent. The average black household net worth is less than 10 times of a white family. There are a lot of things that will make it right and black wealth is one of them. Black wealth is the equalizer and will take us a lot further in life.
"Black wealth has been kept from us in a very systematic and intentional way. Everything that was done in the past was done with great intent. The average black household net worth is less than 10 times of a white family. There are a lot of things that will make it right and black wealth is one of them. Black wealth is the equalizer and will take us a lot further in life."
What are some of the biggest mistakes that you have made financially?
I don't have too many financial mistakes but I have made bad investments. My biggest mistake would be the lost revenue that I missed from not investing in certain stocks.
What is the biggest misconception about investing in stocks and finances overall?
The biggest misconception is thinking that you need to be rich to start investing. You can literally start investing with $25-$50. The other misconception is that you have to be a rocket scientist to invest and that saving money is enough. All you need to do is buy an index, the S&P 500, or Nasdaq and over the long haul, you can make about 10% annually. People need to understand that saving money is not enough considering the power of inflation. Money is losing its value every year. You need to be investing your money as well.
"You can literally start investing with $25-$50. The other misconception is that you have to be a rocket scientist to invest and that saving money is enough. All you need to do is buy an index, the S&P 500, or Nasdaq and over the long haul, you can make about 10% annually. People need to understand that saving money is not enough considering the power of inflation."
What do you have to say to people of color that have a strong interest in breaking generational curses and building generational wealth?
Key practices when it comes to building generational wealth is starting now and being unselfish when it comes to thinking about the next generation. It can just be helping your kids not graduate with thousands of dollars in debt. Paying $20 a month for some type of life insurance policy in order to potentially leave your children $500,000-$1 million. Or you can open a 529 plan to invest in the stock market so that you will be investing in the stock market and your money will be growing tax-free. Try owning some type of real estate to pass to the next generation. There are so many ways to build generational wealth, you just have to get started.
It’s a fact that most Americans aren’t saving and live paycheck to paycheck, how do you advise someone who doesn’t prioritize savings to start doing so and build their emergency fund? What’s your golden rule when it comes to emergency funds?
Everyone should have at least 6 months worth of emergency funds. Start treating savings like it's a bill. Don't just pay your bills without paying yourself first. Automation makes it easier to save. Before you have the opportunity to spend that money, it's already set aside and you're able to invest in your retirement without even thinking.
Let’s say, we want to retire as millionaires, what are some seeds we could be planting now to ensure that we reap the fruits of our labor when we’re ready to retire?
If you want to retire a millionaire, practice investing every month. Investing $300 every month in an equity portfolio that will get you on average 8-10% which is a million dollars in 30 years. Making investing easy and not hard by automation. Try to invest a few hundred dollars every month. Find power through the power of compounded interest. Interest on interest is equivalent to racks on racks.
"Find power through the power of compounded interest. Interest on interest is equivalent to racks on racks."
With this being a season of unemployment in epic proportions and a recession looming, answer this important question: should you be dating while broke?
Dating while broke is very crucial. I don't think you should do anything beyond your means. Dating while broke is the same as clubbing while broke. Why would you be in the club spending money you don't have? I believe you can date on your way to being financially free but I don't think you need to incur unnecessary debt while dating. Date within your own budget and means. You can date for free. You have to be honest with the person you are dating. Don't lose track of your financial goals because you are trying to impress someone. The issue is when people don't stick to their financial plan. It's all about having a conversation about your dating expectations.
For more of Ross, follow him on Instagram and catch him on Revolt TV's Maconomics.
Featured image courtesy of Ro$ Mac
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
I seriously doubt that it will come as a shock to anyone reading this that the “official” cold (and flu) seasons are considered to be during the fall and wintertime. However, what kinda tripped me out is that there really are only a few months of the year when we aren’t susceptible to catching a cold: May-July. SMDH.
Know what else is wild about colds? They have five stages: incubation (1-2 days); symptom onset (1-2 days); peak symptoms (1-2 days); plateau (2-3 days), and recovery (3-5 days) — and that is why, sometimes, it can seem like it takes FOREVER to get over a cold. Also, SMDH.
Luckily, there are some things that you can do to either speed up the healing process of a cold or make having one more bearable than usual. Things that are affordable, all-natural, and easy to incorporate into your daily routine.
Are you ready to know how to nip a damn cold in the bud…before you even get one?
Here ya go.
1. Fire Cider

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Two drinks that I am gonna drink all the way down, each and every fall season, are hot chocolate and apple cider (that’s warmed up). So, when I read about something called “fire cider,” it absolutely caught my attention. If you’re not familiar with it, fire cider is a homemade drink that consists of things like apple cider vinegar, herbs and other ingredients that are specifically designed to boost your immune system.
I won’t lie to you — since some of the traditional recipes contain things like onion and garlic (sulfur has potent medicinal properties) and sometimes even hot peppers (which help to clear up congestion) — although fire cider might not be your favorite as far as your palate is concerned, the viruses (because there are reportedly somewhere around 200 of ‘em) that cause colds will lose a lot of their impact if you drink this; and that makes it worth a shot — well, swallow. Some fire cider recipes can be found here, here and here.
2. Probiotics
A few years ago, I wrote an article for the platform entitled, “80% Of Your Immunity Is In Your Gut. Take Care Of It Like This.” — and that alone should explain why and how a probiotic can help to prevent colds and make it easier to get over them. The reality is that a healthy gut is what helps to monitor how your immune system reacts and responds to harmful pathogens that may try and get into your system, including ones that cause the common cold.
And since probiotics feed your gut with “good bacteria,” this gives your gut the ability to be better (and quicker) at fighting off the bad. So yeah, take a probiotic — all of the time and definitely while you have a cold. It helps.
3. Peppermint (or Eucalyptus) Oil

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Although I rarely get sick (praise the Lord!), when I do catch a cold, I think what I hate the most is not being able to comfortably breathe. Well, something that is proven to help with that is peppermint essential oil. That’s because it contains properties that act as a natural decongestant as well as a fever reducer. Another essential oil that can hook you up in this department is eucalyptus oil. It’s bomb because it helps to soothe a nagging cough, it can clear up chest congestion and ultimately makes it easier to breathe.
So, before turning in at night, either mix a few drops of one (or both) of these oils with a carrier oil like grapeseed, avocado or jojoba, warm it up for 10 seconds in the microwave and apply it to the sides of your nose or on your best or back. Or put the oil in a diffuser. It can quickly ease cold-related symptoms while also making it so much easier for you to rest (which is something else your body needs to get over a cold; more on that in a sec).
4. Zinc Lozenges
Zinc is a mineral that helps to keep your immune system healthy and strong — and since a weakened immunity is directly connected to having more colds (2-4 a year is considered to be “normal,” by the way), it’s always a good idea to have some zinc in your body. As it relates to colds, specifically, aside from the fact that zinc can help you from catching one to begin with, there are also studies which say that sucking on zinc lozenges can help to shorten the timespan of a cold as well.
To be fair, some people have said that zinc lozenges make them feel nauseated; however, everything has its pros and cons and so, how would you know if you’re one of these folks unless you try it? Oh, and while we are on this topic, there are also zinc supplements and foods that are high in zinc (like red meat, lentils, hemp seeds, cashews and quinoa) if you want to try and get more zinc into your system that way (although lozenges are gonna be your best bet on the shortening tip; just sayin’).
5. Foods Rich in Vitamin C

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Speaking of foods that can fight a cold, out of all of what you’ve read here, probably what you are quite familiar with is the fact that vitamin C and colds are mortal enemies. In fact, one pretty significant study says that by taking one gram of vitamin C a day during a cold, you can reduce the severity of your symptoms by as much as 15 percent.
That’s because vitamin C is packed with antioxidants, it helps to reduce bodily inflammation and it helps to strengthen your immunity too. Foods that are full of vitamin C include chili and yellow peppers, kale, kiwi, papaya, broccoli, kale and citrus fruits.
6. Elderberry Tea
If you’re someone who likes to put preserves on your biscuits or toast, have you ever tried one that is made from elderberries (recipe here)? It’s actually pretty good — and good for you because elderberries are high in vitamin C, fiber and antioxidants. And that is why they are great whenever you are trying to hurry up and get over a cold because they also contain properties that are literally antiviral — and since a cold is a virus…well, there you have it.
One of the best ways to get elderberries into your system? Elderberry tea. If you add honey to it, honey can help to shorten symptoms like a stuffy nose, sore throat and cough by 1-2 days. Very cool.
7. REST

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Did you know that even one day of not getting the sleep that you need to weaken your immune system and increase bodily inflammation at the same time too? That’s because one of the benefits of a good night’s rest is it rejuvenates and recharges your system, so that your immunity can work at its optimal level.
Not only that but, according to science, if you already have a cold, getting plenty of rest can benefit you on a few different levels as well. First, your cytokines (proteins that boost your immunity) are released when you sleep.
Second, your body temperature elevates enough to kill some of the bacteria and viruses that are making you sick. Finally, sleep provides you with the energy that you need in order to get through the day while you are healing from your sickness. So, if you want to get through your cold ASAP, be intentional about getting as much rest as you possibly can.
BONUS: A Humidifier
When you get a chance, please check out “10 Really Good Reasons To Get Yourself A Humidifier This Fall”. There really are all kinds of solid reasons to invest in a humidifier around this time of the year — and one of them is to make getting through the cold (and flu) season so much easier for you. Since humidifiers bring moisture into the air, that can help to loosen up congestion, soothe an irritated throat, decrease coughing, help with the healing process of respiratory infections and it can help you to sleep better — so that you can get past your cold sooner.
So, if you don’t already have a humidifier, cop one ASAP. Your future colds will absolutely hate that you did. LOL. For a list of some highly recommended humidifiers that are currently on the market, click here.
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Featured image by Casper1774 Studio/Shutterstock









