

When it comes to earning a living, we all know that there's a wage gap for Black women. And while we can acknowledge disappointing realities, we can also consider our hopes and still work toward making a dream of financial freedom a reality. There is a specific price tag on certain lifestyles, and even if a soft life is what you're into, it'll cost you.
Many of us simply want to earn enough to pay our bills, make sure our families are thriving, and retire peacefully. With the way this economy has been going, the price of simple survival keeps going up and up. According to a 2023 Pew Research Center report, 40 percent of Black adults in the U.S. say "an annual income of $100,000 or more is enough to lead the kind of life they want." So how do you level up from a five-figure salary to six figures?
First, let's address mindset: If you want to earn more, you have to think from a space of abundance, patience, and strategy, not one of fear, scarcity, and inaction. Take it from entrepreneur Chris Bible, who, when sharing her experience with a six-figure mindset shift, told xoNecole, "Most importantly, I had to embrace that I was worthy and capable of reaching a certain level of success and that it could be done all on my own." This is a powerful first step: Affirming and making a commitment to recognizing you are worthy and capable of reaching a financial goal.
Now let's get to a few ways to get to six figures:
1. Invest in higher education or additional training.
Research has shown that those who have earned bachelor's degrees or higher earn more than those who do not, and the top six-figure jobs require advanced degrees. That's not to say you can't earn six figures without going to college, but it's definitely one sure-fire six-figure path for many.
If you already have a bachelor's degree, consider going for a master's or higher. Find out what advanced skills or credentials are required to get a higher-paying job within your field.
Sometimes, you can get certifications or specialized training to do jobs that aren't necessarily what you went to college for but can enhance what you already offer as a professional, so be sure to look into those, especially if you work in the medical, tech, financial services, or psychological industries.
2. Apply for a new job and negotiate higher pay at the start.
Job hopping doesn't have the stigma attached to it that it used to, and for some, it's the best way to earn more. One good example of this is Chinneah El-Amin, founder of Flynanced. She worked in tech and banking, according to CNBC, and, in her 20s, went from being a senior project analyst (with an offer for $68,000 that she negotiated up to $72,000) to technical project manager (with an offer of $186,000 and she negotiated a signing bonus of $29,000).
True, El-Amin worked in industries that could pay that type of money, but again, if your desire is to earn six figures, the industry you're in (and whether you might want to transition for finance's sake) is something to consider.
Either way, negotiate no matter what, especially if you're a mid- or senior-level professional who has the experience, talent, training, and acumen to lean on.
Just because a company claims a salary is "the best" or "industry standard" doesn't mean you shouldn't negotiate. The worst you could get is a "no," or even better: You find that the company isn't one you want to invest years of your life working for at all, since they don't put dollars behind the most valuable asset in the world: Human capital.
3. Start a lucrative side hustle.
This one is a given. Side hustles are always promoted in stories like this, but you just can't get away from facts. Some side hustles can add more than $4000 to your monthly income if done just part-time, especially if you're savvy with tech, social media, or digital marketing. Other lucrative side hustles include offering services or products via e-commerce, personal fitness and/or wellness, mobile notary, and travel agents.
4. Sell your expertise and talents via speaking, digital products, or consulting.
This is yet another way to earn six figures and even transition out of a 9-to-5. If you have a gift for communications, public relations, marketing, or teaching, you can create workbooks, audiobooks, art, tutorials, and courses for download. (This couple started making six figures after selling patterns for doll clothes, for example.) If you're not great with actually creating and marketing the concept, take it to a freelance professional to bring it to life and market it for you. Take a few courses, research the best platforms (and their fees), and invest in a reputable tutorial on how to create and market digital products on social.
Another great way to add to your current salary is to get paid for speaking engagements or consulting gigs at schools, organizational retreats, churches, or conferences. Get a speaking or consulting mentor, join a networking organization, pursue more training to prepare you for success, and tap into your personal and professional communities to find out where you can serve through speaking.
5. Bonus: Invest, invest, invest.
Technically, this isn't really tied to your salary, but investing can help you add to your overall bottom line and prep for financial freedom in the future. I can't say this enough: At a minimum, be sure you're tapped into your company's 401K and that you know whether they're matching your investment or not. Let it grow, and avoid withdrawing from it if you can. If you're not into the idea of investing with your company's retirement options (or your company doesn't offer any), consider your options for an IRA (individual retirement account).
Above that, start investing via an online platform or open a brokerage account. (Here are a few good beginner-friendly options). Be inspired by women like Tiffany James, who turned a $10,000 stock market investment into a million-dollar portfolio. True, investing in stocks can be risky, but there are opportunities to add to your wealth if this is something you're willing to be patient and diligent about.
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Eva Marcille On Starring In 'Jason’s Lyric Live' & Being An Audacious Black Woman
Eva Marcille has taken her talents to the stage. The model-turned-actress is starring in her first play, Jason’s Lyric Live alongside Allen Payne, K. Michelle, Treach, and others.
The play, produced by Je’Caryous Johnson, is an adaptation of the film, which starred Allen Payne as Jason and Jada Pinkett Smith as Lyric. Allen reprised his role as Jason for the play and Eva plays Lyric.
While speaking to xoNecole, Eva shares that she’s a lot like the beloved 1994 character in many ways. “Lyric is so me. She's the odd flower. A flower nonetheless, but definitely not a peony,” she tells us.
“She's not the average flower you see presented, and so she reminds me of myself. I'm a sunflower, beautiful, but different. And what I loved about her character then, and even more so now, is that she was very sure of herself.
"Sure of what she wanted in life and okay to sacrifice her moments right now, to get what she knew she deserved later. And that is me. I'm not an instant gratification kind of a person. I am a long game. I'm not a sprinter, I'm a marathon.
America first fell in love with Eva when she graced our screens on cycle 3 of America’s Next Top Model in 2004, which she emerged as the winner. Since then, she's ventured into different avenues, from acting on various TV series like House of Payne to starring on Real Housewives of Atlanta.
Je-Caryous Johnson Entertainment
Eva praises her castmates and the play’s producer, Je’Caryous for her positive experience. “You know what? Je’Caryous fuels my audacity car daily, ‘cause I consider myself an extremely audacious woman, and I believe in what I know, even if no one else knows it, because God gave it to me. So I know what I know. That is who Je’Caryous is.”
But the mom of three isn’t the only one in the family who enjoys acting. Eva reveals her daughter Marley has also caught the acting bug.
“It is the most adorable thing you can ever see. She’s got a part in her school play. She's in her chorus, and she loves it,” she says. “I don't know if she loves it, because it's like, mommy does it, so maybe I should do it, but there is something about her.”
Overall, Eva hopes that her contribution to the role and the play as a whole serves as motivation for others to reach for the stars.
“I want them to walk out with hope. I want them to re-vision their dreams. Whatever they were. Whatever they are. To re-see them and then have that thing inside of them say, ‘You know what? I'm going to do that. Whatever dream you put on the back burner, go pick it up.
"Whatever dream you've accomplished, make a new dream, but continue to reach for the stars. Continue to reach for what is beyond what people say we can do, especially as [a] Black collective but especially as Black women. When it comes to us and who we are and what we accept and what we're worth, it's not about having seen it before. It's about knowing that I deserve it.”
This interview has been edited for length and clarity.
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If Spring & Summer Are Your Favorite Braid Seasons, Here's How To Make Them Last
If there’s ever a time when I think it’s worth it to sit in a braider’s chair for 5-7 hours, it’s right around May. Although it’s not necessarily “on purpose,” it seems that the only time when I get some bra-length, medium-sized, box braids is when the weather is warm. For me, I think it’s because, since I don’t have a relaxer in my hair, I don’t really want to think about or deal with the crazy-ass humidity that Nashville brings during that time of the year — and, for the most part, braids make that a non-issue.
Maybe you feel the same way I do about getting braids in the spring and/or summertime — or perhaps March through September being your favorite months for this particular style is due to something else. Either way, if you’re gearing up for a braid appointment, I thought it would be cool to share 12 things that can help you get the most out of the time that you spend, along with the money that you invest to get those bad boys put in.
This way, not only will your braids look absolutely bomb until it’s time to take them out, but your own hair can remain healthy throughout the process too.
1. Choose Your Hair Brand Wisely
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With articles out here like The Guardian’s “Over 3,000 beauty products targeting Black women contain health hazards, study shows,” Harvard’s “Uncovering the dangers of hair products marketed to Black women, girls” and, as it specifically relates to today’s topic, Essence’s “A New Study Finds Carcinogens In 10 Synthetic Braiding Hair Brands” — now, more than ever, it’s important to be hypervigilant about doing research on and reading the labels of the beauty products that you buy.
When it comes to braiding hair, specifically, a braiding hair brand that’s made from repurposed banana stems isRebundle; it’s not the cheapest on the planet yet it is pretty quality stuff. Thankfully, Essence has a list of some other options here while Byrdie also features some here that you can look into too.
2. Go with Smaller Instead of Larger
When it comes to the shelf life of braids, once you hit somewhere around the six-week mark, it’s usually time to put on a movie and get comfortable for a couple of hours, so that you can take them down. However, if you want to try to squeeze even more time out of them, first, make sure that you tie your hair up (or put it into a bonnet) every night with a silk or satin scarf (in order to reduce frizz and tangling more than anything else). Also, consider going with smaller braids. Sure, it’ll take more time to install and it will probably cost a few more bucks as well — but if you can get 2-3 more weeks from the style, it’s actually worth it.
3. Try Dry Shampoo on Your Braids
Whenever I have braids in my hair, the thing that I hate the most is wash day. Why? Because that’s when the opportunity significantly increases for my braids to get looser and for frizz to transpire. Typically, my workaround is to cleanse my scalp with a good ole’ bottle of Sea Breeze and then rinse my hair while in the shower every couple of weeks (so that I’m not spending a lot of time rubbing on the braids themselves). However, something else that you might want to try is a dry shampoo (you know, a cleansing product that absorbs dirt, oil, and sweat without any water being involved).
One brand that gets a lot of praise in the braided hair department is Batiste Sweat Activated Dry Shampoo. Another is Amika’s Perk Up Talc-Free Dry Shampoo. At the very least, it can buy you some time until you have the time to cleanse your braids oh so very carefully with “regular” shampoo.
4. Apply a Lavender/Jojoba Oil Blend to Your Scalp
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If one of the things that you absolutely don’t look forward to when it comes to having braids is the fact that your scalp flakes up, something that you can do to reduce the chances of that happening is to keep your scalp well-moisturized. One way to do that is to apply a mixture of lavender oil and jojoba oil. Lavender is good for your scalp because it contains antimicrobial properties that help to keep fungi and bacteria from irritating your scalp (which means that it can help to prevent dandruff flakes).
Jojoba oil benefits your scalp because it is able to deeply moisturize your scalp while helping to prevent itchiness. Plus, the combo can help to keep your braids smelling really good too.
5. Use Sunscreen on Your Scalp Too
SUN. FREAKIN’. SCREEN. When you get a chance, check out “Your Scalp Ages Six Times Faster Than Your Face. Why It Matters.” so that you can get a good understanding of why it’s important to slow down the aging of your scalp. For now, I’ll just say that skin that isn’t protected by sunscreen is skin that is definitely going to age faster than you would like it to. Not only that but since braids cause you to have so much of your scalp exposed (due to all of the parts that are on your head), you definitely need to make sure that the UV rays don’t work overtime to irritate or damage it. Travel + Leisure has a few sunscreens for the scalp that are worth giving a shot. You can check them outhere.
6. Use a Leave-In Conditioner on Your Braids
Something that you definitely need to keep in mind if you’ve got longer hair tucked inside of your braids is you should wash your braids with a sulfate-free shampoo and you should apply a leave-in conditioner while your braids are air-drying. That way, your own hair can have some additional moisture added in which will also reduce frizz and fly-aways. Oh, and speaking of leave-in conditioner, don’t be afraid to refresh your hair with some of it one day a week.
It’s another way to smooth the cuticles of the braids and help to keep them flexible and shiny. For this tip, my two cents? Use a leave-in that comes in a spray rather than a bottle. It tends to be thinner in texture, so you don’t have to worry so much about residue and build-up.
7. Keep Gels to a Minimum
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Honestly, I’ll be glad when the super long lashes and the baby hairs that look more like bangs decide to take an indefinite hiatus (#lesigh). In the meantime, at least this article gives me a solid reason for discouraging huge baby hairs: gels can cause product build-up and, at the very least, that can make keeping your braids as fresh as possible hella challenging. So, if you do like to lay your edges down, try and take the minimal approach — both with the amount of hair that you use and how much gel that you apply to them.
Oh, and look for a flake-free edge control brand. One that I personally like is She Is Bomb (here). It’s super affordable, lasts a long time, holds really well, and nope, no flakes for me.
8. Dip Your Ends to Keep Them Smooth and Frizz-Free
Whether you want to reduce frizz or you want to add some waves or curls to your braids, you can do this by dipping your hair in hot water. I will say that if you don’t want to run the risk of burning yourself, you might want to enlist the assistance of a friend to help you out. However, if your braids are really long, you should be able to dip them on your own without any issues.
Whenever I want to add some waves to my box braids, I will section them, braid them, dip them, let them cool a bit, and then take the braids down. The waves last for weeks. Perfect! As a bonus, dipping your ends can actually keep them smooth and fresh-looking. For tips on how to DIY dip, check out this video tutorial here.
9. Steam Your Braids Every Couple of Weeks
Something that I’m surprised doesn’t come up more often is how beneficial it is tosteam braids. Not only is it a great way to give your scalp some relief if your braids are too tight when you first leave the shop, but it can also help to keep your scalp hydrated with as little hair manipulation as possible. Plus, steaming your braids can help to keep your braids looking shiny and new for a longer period of time. InStyle has a list of steamers that benefit natural hair mosthere. Best Products Reviews also has its own listhere.
10. Refresh the Front of Your Hairstyle
I remember a few years ago, I watched a YouTube video of a woman who said that her (originally) knotless braids lasted for almost four months because she would “simply” (SMDH) tie her braids into a knot once there was enough new growth to make that happen. Lawd, please don’t follow her lead. Not only does that lead to unnecessary tension (and weight) on your hair follicles, but it can make it complete and utter hell to take the braids (and knots) down without pulling out quite a bit of your hair in the process.
Instead, if you want a couple of more weeks with your braids, make an appointment with your braider to get the first couple of rows around the front of your head redone. You’d be amazed how this one step can do wonders for a braided hairstyle — not to mention that it’s better for your hair and (usually) a hella cheap approach to making your style last longer.
11. Try Not to Over-Style Your Braids
There is nothing like having some long, knotless, medium-sized box braids that were done right and well. Honey, it’ll have you out here acting like you should try every hairstyle you can find! Thing is, the more that you manipulate your hair, the quicker that your braids will come loose, the more frizz and fly-aways that will pop up, and the sooner that your new style will age. Am I saying not to play around with some looks that you like? Damn well you should. Just try to avoid doing a different style multiple days of the week.
Wearing them down, tying them up in a scarf, or putting them in a top bun (although you should move that bun around in order to not put tension in the same spot all of the time) will make enough of a statement because braids are beautiful…all on their own.
12. Take a Break from Your Braids
Final one. Braids are so damn pretty and convenient that I’m sure a lot of us would pull a “Moesha” (if you’re a real one, you caught what I mean by that) and have braids in constantly. Thing is, that’s not healthy for your natural hair because the tension and weight of your braids can lead to hair damage and even hair loss if you’re not careful. So, if you plan on going all spring and summer with some sort of braided style, try to at least take out a couple of weeks in between braid appointments to deep condition your own hair, pamper your scalp, and give both of them a break.
That way, you can be confident that your hair is ready for your next batch of braids — whether that’s for a summer vacation or some other time that you have in mind. Enjoy!
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