Self-employment is something many people prefer or aspire to, as being your own boss is both admirable and empowering. And women are bossing up more than ever, representing almost 40% of all self-employed professionals. Being self-employed myself, I can attest to the benefits, but like everything in life, there are two dueling sides to every coin. And if you're considering taking the leap from 9-to-5er to self-employed, there's a lot to consider before totally pulling the plug on your day job.
Here are a few things to know, from my own experience, before transitioning into self-employment:
1. Recognize that self-employment is not entrepreneurship.
There are key differences between being an entrepreneur and being self-employed that many people get all mixed up and confused about. The terms are often used interchangeably, but they are definitely not the same.
A self-employed person operates just like an employee, often offering services and talents to business owners, nonprofits, or organizations. An entrepreneur typically offers goods and services to a client or customer, registers their business for tax purposes, and can reap the benefits of resources like business bank accounts, financing, and investments.
When you're self-employed, you often don't get paid if you don't work, most typically as a freelancer or on a project-by-project or client-by-client basis. When you're an entrepreneur, you can successfully scale a business where you can reap the benefits whether you're actively working in it or not.
You can indeed launch a one-person business (i.e., as a limited liability company or LLC), but there are requirements related to that, particularly when it comes to taxes. There are also things to consider, such as lifestyle, goals, and risk tolerance. The annual and financial obligations entrepreneurs have aren't the same as self-employed professionals, like additional taxes, filing fees, and mandatory financial reports.
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(I know some of y'all entrepreneurs might be reading this with a side-eye, but hey, not every self-employed person is a business person, and some simply might not want the extra maintenance and responsibilities of having a registered business, no matter the perks.)
While I'm not discouraging any self-employed person from launching a business, knowing the difference between the two is important because it sets the tone for how you approach the work that you do, your expectations on the lifestyle and requirements, and what benefits might be afforded to you.
Many entrepreneurs can employ people, scale their businesses for expansion, get capital investment, and even take days, weeks, or months off without having to actually work yet still reap the benefits. This is often not the case for a self-employed person whose salary largely depends on actual work hours, paid invoices, and strategic budgeting.
2. Inform yourself about the tax obligations and other financial shifts that might happen once you are self-employed.
When you're working a 9-to-5, your company handles taking taxes out of each check. This is not the case for self-employed folk. There's a quarterly schedule that must be followed for federal taxes, and there are other regulations based on the state where you primarily work (even if you're working remote). If you're used to having a hands-off approach to taxes (other than going to the tax preparer once a year), you definitely want to shift your expectations and get to know all the information you can about self-employment taxes.
Also, the way you budget might be a bit different when you're self-employed. If you find, for example, that you're constantly living check to check or that you're used to a guaranteed paycheck every two weeks, you'll need to shift the way you look at how money flows in your household.
Self-employment can include periods where you're not getting paid as consistently, and many companies work with invoices that are paid 30, 60, or even 90 days after you've finished the work you've done for them. Keep this in mind and plan accordingly based on the industry you'll be working within.
Talk to a tax or personal finance professional to find out about how your finances and tax obligation might change once you decide to become self-employed, and then set up a plan so that you won't get caught slipping come Tax Day. The process is different for self-employed people, and this is an important aspect of the process that will save you lots of money and stress in the long run.
I learned the hard way to negotiate, upfront, a set period of time for my services (when applicable and reasonable) to be written into a contract and to set my rates not solely based on my previous salary but considering additional costs like WIFI, travel, health insurance that I have to pay for out-of-pocket, home office technology and tools, and the time it actually takes to complete tasks. The pandemic brought home how super-important this was because, as a freelancer, someone can simply cut you with no compensation or warning.
3. Get to know your true strengths and weaknesses when it comes to work ethic, skills, environment, and motivation.
Self-employment is definitely not for the faint at heart. It can be a constant hustle in the beginning, and if you're not careful, you might end up wondering how you'll pay your rent or car note simply because you don't have clients or work lined up. It's good to be a self-starter and super-organized. It's also good to brush up on your marketing, communications, and sales skills because you'll need to pitch yourself and your background in order to land projects and clients.
While working your full-time job, take a few courses or find a self-employed mentor so that you can strengthen your skills in areas where you might need some improvement (i.e., pitching, online marketing, social media branding, or project management.) Practice self-employment on the side as an intern or with a side hustle so you can learn a bit more about yourself that you might be overlooking while serving as an employee.
Being self-employed means you become multiple departments in one person. For example, your current company provides support like assistants, accounting departments, legal teams, and IT, so you might not be used to having to handle all of those things on your own. For some, this can be overwhelming, while others find the challenge invigorating and worth the sacrifice if it means having autonomy and financial and time freedom.
Also, if you're motivated to do your best by being around teams or working in an office, self-employment might be too isolating for you. True, there are groups and co-working cultures you can join, but it's definitely not the same as having built-in comradery of fellow full-timers at a company. Be aware of these things so that you're realistically making a choice that suits the life you want to live and the work experience you want to have in order to thrive.
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4. Create an emergency fund solely for the transition.
While you're working a 9-to-5, create a separate savings account just for the transition. Anything can happen between quitting your job and getting your first freelance gig, client, or project. When I first stepped out to be self-employed, I thought I had the dream client, only to find out that it wasn't a good fit and I'd be looking for a new one after six months. This might happen several times before you really hit a groove, find your fit, build up your reputation, and get consistent work.
Having a financial cushion outside of your usual emergency fund helps to soften the blow if something like a client loss, a late invoice payment, or an unexpected work-related expense (i.e., computer replacement or broken equipment repair) comes up.
Sometimes, self-employment can include certain up-front costs like renting an office space, investing in new technology or other tools, travel expenses, or hiring other self-employed professionals (i.e., a consultant, web designer, or tax preparer), so you'll want to be smart, be prepared, and keep your receipts.
5. Understand your why.
Every great and sustainable journey starts with a good reason---a "why" that keeps a person going. If you know your why, you're less likely to just give up when things get rough, and you're less likely to make costly, mentally and physically draining mistakes. I decided to go for full-time self-employment because, after more than a decade working in my field, I really felt burned out at the time, began to resent not being promoted as quickly as I thought I should, and saw that I could make more money contracting my skills and talents out than working full-time for one company.
I also loved that I could pick and choose who I worked with and align my values with the projects that I was part of (versus being forced due to being a full-time employee beholden to a contract and the so-called values of a corporation or company.)
I've made quite a few mistakes over the years, but my why remains the same, and when times get hard, I simply remember the overall peace, flexibility, and autonomy I have in serving the women millennial audiences I want to serve through journalism and communications.
6. Be sure that you're offering services or expertise that can be used for years to come and that's competitive.
If you're considering self-employment, be sure your skills are competitive and have a future of need. I knew, even a decade ago, that much of the media industry was going the freelance route, and today, with layoffs becoming commonplace and full-time employee budgets being cut, contract work has become the name of the game. I saw this industry shift coming a mile away, and, like my early foray into digital media before publishing houses were monetizing it, I knew eventually, freelance work would be abundant and preferred.
If you're already doing a job that is in high demand or you offer something niche and one-of-a-kind, working for yourself might be the move. But if you've found that your current skills might be obsolete in the next two to five years, try learning another skill, shifting how you do the work you do, or tapping into another passion that can ensure you're offering something valuable in a market where it's direly needed.
Self-employment can be a joy and a pain, and for many of us, it's the only choice for self-care, mental wellness, and financial freedom. If you're considering taking the leap, take into account these tips and go forward in bold confidence, informed, and prepared.
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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
It’s not like it has to be a bad thing. In fact, studies say that somewhere around 15 percent of engaged couples actually met through a friend. All I’m saying is, before you entertain someone’s “I’ve got someone I want you to meet” invitation, it would benefit you to interview them first — for the sake of all parties involved.
The questions that I recommend asking? The following six are what I think can get everyone on the same page, so that there is more pleasure than regret from the hook-up attempt.
1. Why Are They So Invested?
GiphyTwo things that I recently watched over again are the series Survivor’s Remorse (the writing is so damn good) and a movie called Trapped in Temptation (both are currently on Tubi). Something that both of them made me think about is the fact that motive reveals a lot when it comes to why people say and do the things that they do.
When it comes to the movie, specifically, without giving the film away — let me just say that, if you are in a relationship, be really careful about listening to individuals who try to talk you out of maintaining it. More times than not, the motive is shady as hell. And honestly, sometimes people who are close to obsessed with you being in one deserve a bit of side-eye too.
Now, if it’s someone who loves all things love, they are in love and they want you to experience something similar — that’s sweet. Just make sure that they are approaching the set up from a healthy space. What I mean by that is they don’t see singleness as some sort of relational handicap or they aren’t trying to override what you want for your life as if they somehow know better (there are so many ways to be a control freak, y’all).
Hmph. Now that I think about it — make sure that the set-up crew isn’t trying to use you to “save” some male friend or relative of theirs. I say that because I once knew a mother whose son had — count ‘em — 10 kids and she was FOREVER trying to get me to date him. Girl, that wasn’t for me. She was looking for a Holy Ghost Jr. for that child of hers. I’ll pass. HARD PASS.
Bottom line with this one — if someone wants to set you up with someone else, the first thing to ask is why? Make sure to really listen to what their answer is. Then pay attention to if your mind, body and spirit are at peace with their answer(s).
2. Do They Know What You Want?
GiphyI don’t know about y’all, but the people (and let’s be honest, by far, it’s usually women) who have tried to set me up with someone? They didn’t even know what my preferences or type was. Hell, they didn’t even know my thoughts or timeline as it relates to being in a serious relationship were either. And what that boils down to is they were trying to hook me up based on their agenda, not mine — and that usually meant that the guys who they came up with? Yeah…I was good on them. LOL.
Yeah, if someone wants to hook you up, you definitely should ask them if they know what you are looking for in a guy when it comes to his looks, personality, passions, spirituality, relational desires and goals, location, etc. Because, indeed, what is the point in going out with someone who is fine as hell and yet, you want kids and he doesn’t (or vice versa) or who has a great personality yet he isn’t even in the same ballpark of your spiritual beliefs?
If your friend really wants to help you out, valuing your time should come with that — and that means bringing someone into your life who complements your lifestyle. No wiggle room here.
3. Are They Aware of Your Deal-Breakers?
GiphyLast year, I wrote an article for the platform entitled, “Should Bad Sex Actually Be A Relationship Deal-Breaker?” The thing that I think needs to go on record about deal-breakers is they aren’t exactly standards that you have. No, a deal-breaker is something that can’t be worked out even after trying to negotiate or compromise. When it comes to relationships, a deal-breaker might be how long two people should date before becoming exclusive or getting engaged. Another deal-breaker might be if being religious is more important than being spiritual and how that manifests itself (church or no church, etc.). And yes, another deal-breaker may be what each other’s sexual needs and expectations are.
When someone is setting you up, it is imperative that they know about your standards. For instance, for me, I am not interested in dating a divorced person, pretty much ever (I Corinthians 7:10-11). I’ve had friends who have tried to hook me up with that demographic before and it has always been a moot effort. The fact that some of them have gotten frustrated with my convictions has absolutely nothing to do with me. Some have tried to get me to compromise my deal-breakers too — like a long-distance relationship. Is it a firm “naw”? No. However, it’s not really something that I am interested in, so why not just…recommend someone local?
Yeah, if someone thinks that they know you well enough to hook you up, they absolutely should be well-versed in what your deal-breakers are before they do. And if they’ve never asked, all they are doing is assuming — and we know what that typically means. LOL.
4. What Is Their Track Record?
GiphyIt’s kind of wild that we now live in a time when more couples meet online than they do through “old-fashioned ways” like via their friends (although some reports say that Gen Z is getting back to that) — and yet, here we are. Still, if you are willing to let someone play pseudo matchmaker in your life, you are well within your rights to inquire about their track record in that department. Have they hooked others up, successfully, before? Has any of their “Cupid work” caused both people to get exactly what they wanted out of the situation? If/when things went awry, why was that?
I know someone who is constantly trying to hook people up. Thing is, maybe 10-15 percent (no joke) of their efforts have proven to be positive and fruitful — and we’re talking about close to close to two decades of them doing it. Listen, time is too precious to be out here doing stuff ONLY to please other people. That said, if someone wants you to devote some time to one of their grand ideas, you are well within your rights to ask about their past and current success score when it comes to it.
5. Can They Keep Their Own Feelings Out of It?
GiphyWanna know if someone who is offering to do something for you is actually doing it more for themselves? If they try to make it be about them when things don’t go the way they would like, that is a dead ringer. An example? They post a message about you on social media and then question you about why you didn’t do the same thing in return. Another example? They do something for you and then throw it in your face during an argument. Still another example? They set you up with someone, it doesn’t work out, and suddenly you’ve put them in a weird spot. No dear — you put your own self in that position by trying to hook two people up in the first place.
I promise you, it will spare everyone unnecessary energy spent (or even drama experienced) if, before you agree to be hooked up, you get the matchmaker on record stating that they will keep their emotions out of it as much as possible. MEANING — they will do the introductions and then let the chips fall where they may. If they can’t do this, my two cents (save it or spend it) would be to decline the offer. Because all you need is someone texting you about why you haven’t called their cousin back or having an attitude with you when you break up with some guy at their church who they thought was the perfect catch (P.S. These aren’t hypothetical examples — LOL).
6. Will They Respect Your Boundaries? Start to Finish?
GiphyYeah, this final one is a biggie. Just because someone sets you up with another person, that doesn’t automatically or necessarily mean that they should have the right to the details of the dynamic. I don’t care if it’s the first date or the 10th date. I don’t care if you decide to just be sex buddies or to have a full-blown relationship. I don’t care if you stay together or break-up — it’s your relationship which makes it your business. Whatever you share is privileged data.
Yeah, I would say that probably the most challenging thing about being hooked up by someone you know is they have a tendency to think that they are a part of the relationship too — and that is a lie. If things go well beyond a couple of dates, you and the guy should discuss what you will both share with the person who introduced you and then agree to stick to that boundary, no matter what. It’s a great way to protect the dynamic, to keep “outside voices” from influencing the growth and to navigate how you want to move, moving forward.
Someone who hooked you up for the right reasons and knows how to honor limits? They will understand. Will they ask questions? Absolutely. Will they pry? Nah.
___
Should you sit and let someone hook you up? I mean, you never know how your blessing will come. Just make sure that they are prepared for you to do some digging into their mindset before they start sweetly meddling into your love life.
It’s only fair. Hell, and right. LOL.
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