With 2024 around the corner, a lot of us are starting to think about future goals. What new ideas do I want to bring to life, or what am I currently working on that needs improvement? I’ll be transparent in saying that improving my finances has been an ongoing challenge. I mean, sure, I’m generally stable. But “stable” isn’t enough to invest how I’d like or significantly save as desired. And while it’s not everyone’s favorite subject to bring to the dinner table, I realize a lot of my peers are facing the same problem. Especially in this economy, chile.
That’s why I was super excited to speak with personal finance coach, author, and certified financial instructor Rachael Hanible, a 36-year old Philly-native who has paid off over $92,000 in debt, saved a year's worth of her income, and sports a credit score of 846. In this conversation with xoNecole, she shared her finance journey, along with a few helpful tips for the girlies trying to make money moves (cues, Cardi B).
First, I have to say paying off over $90,000 worth of debt is amazing. Can you tell me a little bit about that journey? How did you cultivate it, and when was the moment you knew you wanted to change your situation?
It was a mixture of a few things. There was some student loan debt there. Plus, I had a car note and credit card debt. I grew up poor, but I never felt like that was God’s plan for my life. I always said I was a millionaire-in-training and spoke about the things I’d do when I’m wealthy. And I woke up one day with an idea of being debt-free, even though I didn’t know anyone who was. I was in school working at a convenience store, making $8/hr. when I had the bright idea. But after I finished college, I revisited the thought, and that’s when the plan started.
"I grew up poor, but I never felt like that was God’s plan for my life. I always said I was a millionaire-in-training and spoke about the things I’d do when I’m wealthy. And I woke up one day with an idea of being debt-free, even though I didn’t know anyone who was."
So many of us want to do that but struggle to make it a reality. What was your process?
I got a job doing accounting after my college job. One day, I just calculated all of my debt and discovered how much was being added to my student loan daily. In my mind, I just wanted to cut down the days that I owed that money, and I applied the same principle to my car note. I started with an extra $5 to my student loans and an extra $20 to my car note. And I was consistent with that idea as I continued to find and grow more income. Now I’m almost 13 years in with no car payment and 11 years with no student loan debt.
Did you always have a good relationship with money?
No (laughs). I went to school for business law, and one of my first assignments was to get a subscription to Wall Street Journal, but I held on to it after the assignment. I started to read about investing, ROTH IRAs, and more. They were mentioning words I never heard before, and that started my journey to learning more.
Just curious, what was your biggest splurge before you got here?
Probably shoes. I have over 100 pairs of shoes (laughs).
You gotta treat yourself sometimes, right?
Girl, not that much (laughs).
Photo courtesy of Rachael Hanible
Well, did you ever work any crazy jobs to get by?
Nothing too crazy because I’ve always been big on integrity over income. But I used to teach Excel classes in my apartment. People from churches would send their registration list, I’d reach out, and they’d come to my little one-bedroom and learn.
It’s giving hustler more than crazy, but I can appreciate the full-circleness of it all. Because, today, how much do you save monthly?
Right now, my major goal is to pay off my 30-year mortgage in eight years, and I have one more year to go. So I’d say I’m averaging about $3K a month toward saving or putting toward my home loans.
That’s incredible. But I’m curious – it’s hard enough to shift your finances the way you did. What triggered you to transform this skill into a business?
For years, I was helping people, and that continued to grow. People actually told me I should start charging – so I did.
You offer a lot more, though, right? Talk to me about your multiple streams.
Yes, it started with that one thing: talking and helping people. But when you solve one problem, people will send you bigger problems. So, it developed into classes for kids. Those sessions start at age three and go all the way to college-aged. Also, I’m an author and teach about real estate, budgeting, and credit.
What’s been your biggest business challenge so far?
Even though it's a sexy subject now, no one wanted to talk about this years ago. In the beginning, people didn’t wanna hear from a Black woman with no kids and no husband about financial literacy. For whatever reason, people felt like those things didn’t make me relatable. Like, of course, she can do this if she doesn’t have kids. It was difficult; that was something I really had to fight through.
Ugh, that's ridiculous. Did you have a person or tribe to confide in? Who do you talk to?
Yes, I talk to my mom. She’s a pastor. Then there’s my big sister, who is a mixture of the church and the streets and, of course, my best friend. She’s all the way left (laughs). I come to them for business and relationships. They are all fair and give me encouragement.
From working with diverse clientele, have you picked up on any popular unhealthy spending habits?
The habits are connected to the mindset. The mindset controls your access. Unfortunately, a lot of us don’t feel like freedom, luxury, or wealth is for us. Whether we have $5 or $5,000. I think once we shift that mindset, we’ll be able to hold on to it more.
"The habits are connected to the mindset. The mindset controls your access. Unfortunately, a lot of us don’t feel like freedom, luxury, or wealth is for us. Whether we have $5 or $5,000. I think once we shift that mindset, we’ll be able to hold on to it more."
How would you define wealth?
I define wealth as freedom and options. There are people waking up to do things they don’t want to do because they need the money and people going to sleep not doing what they want because they don’t have the money. Wealth is being able to make decisions when and how you want.
Okay, it’s time for you to teach us your ways. What investments do you currently have? Can you give us exact names?
Sure, I have a traditional 401k, Roth IRA, brokerage account, and a high-yield savings account. And every month, money goes into everything I just mentioned.
When it comes to investing, I’ve heard conflicting advice. Some people say you should start making investments as soon as you have consistent money coming in, and others suggest waiting and building more first. What’s your perspective?
I think we should have an emergency fund, especially now. You need something you can access quickly. For my clients, I always suggest setting a freedom number in case something happens. And then, after that, we do an even split of investing and saving. Inflation isn’t going anywhere, so we have to make our money grow.
"Inflation isn't going anywhere, so we have to make our money grow."
Photo courtesy of Rachael Hanible
And when it comes to budgeting, how detailed do we need to be?
Very. There are so many of us that work so hard for our money and don’t know where it’s going. Small things can go a long way. A lot of us are throwing small amounts of money away every day; that can add up, especially if you’re living paycheck-to-paycheck or have big goals.
What needs to be included on that budget? Can you share a must-have?
Build for fun in your budget now and freedom for the future. You need a healthy balance for it to be successful and realistic.
Do you have a money mantra that you swear by?
I still say I'm a millionaire-in-training. Now I have all my kids in class saying that. And I end all my classes by reminding people that even though they now have the knowledge and inspiration, only they can make the decision to change.
What’s been your biggest lesson through this process?
God takes care of the people who take care of His people. When I first started, I didn’t have the jazzy marketing and photo shoots, but people could tell my heart was connected to this. And I think that’s why, after ten years, I’m still getting new clients, contracts, and etc. There’s so much content about how to make your business grow, but the most important thing is to care and be passionate about what you’re doing.
What advice would you give to aspiring entrepreneurs?
Do something that you would do for free. People say you’ll never work a day in your life if you’re doing what you love. That’s not true. There’s gonna be some piece of your purpose that you’re not gonna like. But if you’d do it for free, that will tell you everything about longevity and if you’re doing it from your heart.
Things you’re gonna learn: taking the stairs is essential. If you try and take the fast lane, you’re gonna get to some levels you’re not prepared for. So, do it for free first and take the stairs.
Finally, what is your ultimate saving goal?
I don’t want any debt. Also, being able to make sure my mom is comfortable – she’s had some health challenges. I want to be able to do what I love without worrying about bills, and I want to be able to serve the people and not count pennies in the process.
I think it’s safe to say she’s well on her way.
To learn more about Rachael, connect with her on social media at @peptalks_ and visit her website at rachaelhanible.com.
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Feature image courtesy of Rachael Hanible
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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
Apparently, there was a Thanksgiving episode that featured all of the friends having dinner together. And y’all, there was simply no way that I was going to mention the latter without shouting out the original (amen?).
Okay, so with that out of the way — Friendsgiving. Something that I appreciate about twists to holidays like this is that it’s a reminder that there is no one way to celebrate special occasions. And so, if, for whatever the reason, you will not or cannot be with family during the holiday season, there are certainly other alternatives at your disposal.
That being said, if the thought of spending time with friends this Thanksgiving is something that you’d like to do, yet you’re not sure how to host it in a way that will make Friendsgiving a fan favorite for your entire circle — I’ve got 10 suggestions that can make the planning process easy as pumpkin (or sweet potato) pie.
1. Position Chrysanthemums or Orchids for Your Table Décor
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Let’s start with décor first. Listen, aside from cleaning up your place, you don’t have to be over the top. If you put together a really nice centerpiece or put a flower at each table setting, honestly, you’re all good. And if you’re someone who is big on details and symbolism, my recommendation would be to go with some chrysanthemums and/or orchids.
When it comes to chrysanthemums, not only are they a peak fall flower, they represent things like friendship and happiness. And orchids? They tend to bloom during the fall and spring seasons and, not only are they about luxury, certain orchid colors also symbolize friendship (for the record, yellow roses symbolize friendship too). Perfect.
2. Incorporate Scents That Cultivate Gratitude
Speaking of cultivating a warm and inviting space, you can never go wrong with scented soy candles — or at least having an essential oil diffuser in a few spots. Some scents that actually help to bring in the spirit of gratitude include vanilla, jasmine, ginger, cedarwood and frankincense.
3. Use Upscale Paper Products to Dine With
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Let’s be real — a lot more of us would probably host events in our home if it wasn’t for the mess that is left behind in our kitchen once the festivities are over. Wanna avoid that? Use paper plates. No, I don’t mean the cheap Styrofoam ones. SMDH. These days, there are paper (and plastic) plate brands that will low-key blow your mind when it comes to how bougie they look. Some that are worth considering are located here, here and here.
4. Handwrite Thank-You Notes (Use Them As Place Settings)
If you’re like Tiffany (from the HBO series Insecure — what a time) was at that memorable dinner party when all hell broke loose between Lawrence and Issa and you’re pretty anal — I mean, particular — LOL — about place settings, it’s a nice touch to pick up some blank thank-you cards that you can write a personalized “I’m thankful for you because…” message in. Place each one where you’d like each friend to sit. They won’t see it coming and it’s a really nice touch.
5. Have Everyone Bring Their Favorite Homemade Dish
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Okay, and what if what has you on the fence about hosting is you don’t feel like doing a ton of cooking? Chile, this is where the concept of having a potluck comes in. Get everyone to bring the dish that they claim they cook the best and make sure to let them know how many individuals you plan on coming (so that they will make enough). You can even make a game out of it by having everyone anonymously vote for the first, second and third best dishes out of the bunch. Take it up a notch by having a prize for each winner.
6. Take a Warm Drink and Dessert Poll Beforehand
You know what isn’t discussed enough about dinner parties? Folks bringing desserts that other people don’t even like. SMDH. You can avoid this from becoming an issue at your Friendsgiving by sending an email (most people prefer that to group chats; let’s be real — and make sure to BCC everyone as well) asking everyone to share what their top three favorite desserts and warm drinks are. Then pick the top 2-3 out of the bunch. That way, you won’t have a ton of (for instance) coffee cake or apple cider lying around that no one even wanted in the first place.
7. Create a Signature Friendsgiving Mocktail and Cocktail
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Speaking of drinks, another way to make your Friendsgiving memorable is to come up with a signature mocktail (for those who don’t consume alcohol) and cocktail. For the mocktail, you can also poll your friends about their favorite mocktail or fruits and come up with a mixture of your own. For the cocktail — although National Friendship Day is actually in August, I did peep that there are certain drinks that have been created in its honor. Some of them are located here for you to do a bit of tweaking on (if you’d like).
8. Ask Everyone to Share Their “Favorite Friend Quality” of Another
You know how it’s customary for everyone to go around and share what they are truly thankful for before having dinner? Well, to continue along with the Friendsgiving theme, have each person share what their favorite friend quality is about the person to their right. If folks are just meeting each other for the first time, instead they can share what they value the most in friendship overall, along with a story of how it was displayed to them personally over the past 12 months.
9. Send Each of Your Guests Home with a Fresh Gratitude Journal
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Wanna send folks home with a nice parting gift? It would be so on-trend to give each of them a gratitude journal. Listen, we are in some crazy times right through here (at least in the States) and so, encouraging your friends to set some time aside, regularly, to think about and then outwardly express what they are grateful for? That helps to keep stress down, keep things in perspective and it reminds us all to maintain a positive mindset as much as possible.
10. Watch a Nostalgic Movie
While everyone is enjoying dessert and drinks, how about watching a movie that brings back fond memories? A list of some of the most popular movies to come out previous Thanksgiving weekends is located here and a list of some favorite Black holiday-themed films can be found here. It’s a way to wind down and share some laughs before everyone heads home.
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Friendsgiving. What a wonderful way to celebrate your friends while also observing Thanksgiving in a way that is totally on your terms. And now that you know how to put it together, what are you waiting for? Hit your friends up and let them know that, whether it’s on actual Thanksgiving Day or a few days before or after, you’ve got a special dinner in mind.
One that has a good time with amazing friends written ALL over it.
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