
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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This Is How To Keep 'Holiday Season Stress' From Infecting Your Relationship
Hmph. Maybe it’s just me, but it seems like there is something really weird happening in the fall season air (because winter doesn’t officially begin until December 21) that cuddle season is in full swing while break-up season is as well. In fact, did you know that break-ups are so popular during the holiday season that December 11 is deemed Break-Up Day?
The reasons why relationships shift around this time vary; however, I did both roll my eyes and chuckle when I read that a very popular one is because it’s an easy way to get out of getting one’s significant other a Christmas present. SMDH.
Anyway, I personally think that the less shallow folks out here may contemplate calling things “quits” or they at least distance themselves a bit from their partner (and what I’m referring to is serious relationships) due to all of the stress and strain that oftentimes comes with the holidays whether it be financial, familial, due to their tight schedules or something else.
Listen, I would hate for you and your man to miss the fun and happiness of experiencing this time of year, all because you are so overwhelmed or irritated that you can’t really enjoy it. That’s why I have a few practical tips for how to avoid allowing the typical holiday season stress from INFECTING your relationship.
Manage Your Expectations
GiphyUnmanaged expectations. If there is a main reason why the holiday season tends to be so stress-filled for so many people, I’d bet good money that this is the cause. And when you’re in a long-term relationship, expectations can manifest themselves in all sorts of cryptic and/or unexpected ways. You might have relatives who assume that you are going to be with them for Thanksgiving or Christmas when you have other plans in mind. You might be thinking that you are going to spend one amount for presents while your man is thinking something totally different. When it comes to scheduling, your signals may be crossed.
And you know what? To all of these scenarios, this is where clear and consistent communication come in. Don’t assume anything. Don’t dictate anything either. From now until New Year’s, mutually decide to check in once a week, just to make sure that you are both on the same page as it relates to the holidays and what you both are thinking will come along with it. The less blindsided you both feel, the less stressed out you will be. Trust me on this.
Set (and Keep) a Budget
GiphyOkay, so I read that last year, 36 percent of Americans incurred some type of holiday-related debt. Hmph. Last year, there was still some sense of normalcy in this country, chile, so I can only imagine what finances are gonna look like over the next several weeks. That said, since I don’t know a lot of people who don’t find being broke stressful, make sure that you and your bae set a budget and then stick to it this year — no ifs, ands or buts.
Because really, y’all — it doesn’t make sense to deplete savings and/or max out credit cards for a few days of giggles only to be damn near losing your mind because you don’t know how to make ends meet come Dr. Martin Luther King, Jr. Day.
And by the way, this tip doesn’t just speak to things like food and gifts; I also mean travel. If it doesn’t make a ton of sense (or cents) to be all over the place this year — DON’T BE.
Keep Matthew 5:37 at the Forefront
GiphyIf off the top of your head, you don’t know what Matthew 5:37 says, no worries, here ya go: “But let your ‘Yes’ be ‘Yes,’ and your ‘No,’ ‘No.’ For whatever is more than these is from the evil one.” That verse right there? Oh, it’s a boundaries lifesaver! I say that because do you see “maybe” or “I’ll think about it” in there? Nope. LOL. It says that you should tell people “yes” or “no” and leave it at that — and that complements Anne Lamott’s quote, “’No’ is a complete sentence” impeccably well. Yeah, you’ve got to remember that anything beyond a yes or no to a request is privileged information; you don’t owe anyone details or an explanation.
Besides, if you are really honest with yourself, when someone asks you something and you give a “Umm, let me think about it” kind of reply, more times than not, you already know what your answer is going to be — so why not let you both off of the hook? Give your response. Commit to that. And let everyone (including yourself) get on with their lives and schedules.
I promise you that when it comes to those holiday parties, you are pissing more folks off by not RSVP’ing or doing so and not showing up than just saying, “Thank you but not this year” off the rip.
Remember That Your Personal Space Is Privilege Not a Right
GiphyA friend of mine recently bought a new house and invited me over to come see it. He’s a single man with no children, so as I was taking in all of the space that he had, especially as I walked through his finished basement, I joked about relatives coming to live with him. “Hell no” and “absolutely not” were pretty much his immediate responses as he went on to say that some folks even had the nerve to be offended when he told them that he had no intentions on taking DNA in.
Ain’t it wild how people think that your stuff is their right? And yes, that brings me to my next point. Your home is your sanctuary space. If you want to host folks this year — cool. If not, ALSO COOL. Please don’t let folks (family included) guilt you into how they want you to act or even into what they would do if the shoe was on the other foot. You are not them — and as one of my favorite quotes states, “If two people were exactly alike, one of them would be unnecessary.” (A man by the name Larry Dixon said that.)
Hell, my friends? They know that I am good for sending them random things that they need or even want all throughout the year. Coming over to hang out at my pace, though. Uh-uh. Chalk it up to being a card-carrying member of the ambivert club yet I like keeping my living space personal — and I sleep like a baby, each and every night, for feeling that way.
Always remember that your space, your time, your resources, your energy and shoot, yourself period (including your relationship), are all things that are your own. You get to choose how, when and why you want to share them. The holiday season is certainly no exception.
Cultivate Some “You Two Only” Traditions
GiphyIt’s not uncommon for some couples to hit me up after the holiday season to “detox.” Sometimes it’s due to the financial drama (and sometimes trauma) that they experienced. Sometimes it’s because they allowed their relatives (especially in-laws) to get more into their personal business than they should’ve. More than anything, though, it tends to be because they didn’t get enough quality time together and so ended up feeling “disconnected.”
Please don’t let that happen. Listen, I’m not even a holidays kind of woman and yet, I will absolutely sit myself down with some hot chocolate and chocolate chip cookies to enjoy a Hallmark holiday film or two. Aside from the fact that most of them are lighthearted and sweet, I also like that they usually focus on couples loving on each other amidst all of the holiday beauty and ambiance — which is something that all couples should set aside some time to do.
Maybe it’s a vacation. Maybe it’s a staycation. Or maybe it’s my personal favorite, A SEXCATION. Whether it’s for a few days, the weekend or even overnight — don’t you let the holidays go by without setting aside time for you and your man to celebrate one another. Don’t you dare (check out “Are You Ready To Have Some Very Merry 'Christmas Sex'?”).
GET. SOME. REST.
GiphyI once read that 8 out of 10 people get stressed out over the holidays and 3 out of 10 lose sleep during to it — and when you’re stress-filled and sleep-deprived, that can absolutely lead to hypersensitivity, making mountains out of molehills and even not being in the mood for sex.
Your relationship can’t afford to go through any of this, so definitely make sure to prioritize rest. I don’t care how unrealistic it might seem during this time, sleep should never be seen as a luxury; it will always and forever be a great necessity.
That said, try to get no less than six hours of shut-eye in (check out “6 Fascinating Ways Sex And Sleep Definitely Go Hand In Hand”) and even ask your bae to take a nap with you sometimes (check out “Wanna Have Some Next-Level Sex? Take A Nap, Sis.”). Not only will sleep help to restore your mind, body and spirit but, when it’s with your partner, it’s an act of intimacy that can make you both feel super connected, even in the midst of what might feel like chaos.
___
Holiday season stress is real. Still, never give it the permission or power to throw your relationship off. Put you and your man first and let the holidays be what they are gonna be, chile.
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Wondering If Your Relationship Is Stagnant? Have This Convo Before 2026.
It really is a trip that sometimes, right when I’m about to sit down and pen an article, I will feel like the timing isn’t quite right…just yet. Today’s piece is a great example of that because I was actually going to write this up a couple of weeks ago — yet I didn’t have complete peace about it at the time. As life would have it, recently, I received the confirmation that I needed for why that was the case.
The YouTube video in this intro? They feature a fairly young couple who go by Cey and Jai (fun fact: Jai is actually Jocelyn Savage’s younger sister — IYKYK). Although I don’t know how Cey ended up in my YouTube algorithm several years back, he did, and catching his content from time to time is how I ended up seeing the video where he met Jai for the first time while doing random interviews at a mall. And now, six years later, they are married. What’s really wild is they got engaged four months ago and then got married this month.
The reason why I thought they were a great way to start off this piece is because, although they’ve been together (including living together) for about five years (I believe) and Cey has mentioned getting a lot of social media pressure to propose to Jai, he said that he would move forward when he was ready which happened to be on Jai’s 25th birthday this year — and then, four months later, they eloped. Hmph. What seemed to take forever (to viewers, anyway), it ended up moving swiftly…when Cey was ready to move. And in the meantime, they both resolved to live in the moment and prepare in the meantime. Hmph. In January, they were boyfriend and girlfriend. By December, they became husband and wife. Good stuff.
The tie-in? You know, if there is one thing that I oftentimes encourage my coupled-up clients to do right around this time of the year, it's to have a conversation with their partner about whether or not they think their relationship is stagnant in some way. Synonyms for stagnant include idle, inactive, dormant, sluggish, and stale. The reason why it’s important to ponder over this is because, oftentimes, when relationships end, it’s not because people don’t care for one another anymore; hell, it’s not even that something “big” or “drastic” happened.
Oftentimes, it’s because they allowed their relationship to not develop, advance, progress — and when things aren’t moving forward, things tend to slip backwards or remain stuck…and nothing healthy can come from either of those outcomes.
A musician by the name of Matt Bellamy once said, “You have to evolve. Stagnation breeds boredom,” — and y’all, believe it or not, boredom is another big cause of break-ups. Keeping all of this in mind, I would hate for your relationship to “fade to black” in the upcoming year, simply because stagnation took over.
And so, in the few moments that are left in 2025, ask your partner the following questions. They may provide the clarity you need to know how to keep your relationship strong (or to get it back on track) over the next several months.
Are We in a Different Place than Where We Were Last Year?
GiphyBack to Cey and Jai for a second. Again, even though commenters were pretty close to being relentless when it came to wondering when Cey was going to pop the question, if you kept up with their content, even though Cey hadn’t proposed yet, one thing that you couldn’t say is that they were in the same place, relationally, year after year. For one thing, they stayed moving about (literally), and they oftentimes expressed goals that they wanted to reach, both as individuals and as a couple.
My point? If the ultimate goal between you and your partner is marriage, and that hasn’t happened yet, there is no way that 365 days have passed, and you shouldn’t be able to say that you’ve seen some relational growth, change, and progress over that period of time.
Are the two of you better at communicating? Has the intimacy between the two of you gotten stronger? Are you both better forgivers? Are you closer friends? Do you know more about one another’s wants and needs?
A stagnant relationship is one that, by definition, lacks development. If you can say, beyond a shadow of a doubt, that you and your partner are better and stronger now than you were this time last year, pat yourself on the back — that is a really good sign that you two are in a really great place.
Do We Both Still Want the Same Things?
GiphyOne of the best things about a healthy relationship is that it helps you to tame your ego. I say that because if you are serious about making your relationship work and last, it’s going to require compromise, sacrifice, and humility. That’s why it irks me to no end when a relationship ends, and if a person in it is asked why, they will say something along the lines of the other individual didn’t love them simply because they didn’t want what they did.
This is a great example of someone’s ego showing up because the reality is that a person can absolutely love you and even want to be with you, and still not be on the same page about what you want. This is actually a part of the reason why it’s a good idea to do some thorough vetting during the beginning stages of dating (check out “The 'Pre-Commitment Interview' Every Dating Couple Should Have” and “The 'Pre-Sex Interview' To See If You're Both In Sync.”).
Anyway, the only way to know if someone wants what you do is to ask. And if you think that is silly after being with someone for a while, well, I’ll share with you a marriage quote that I oftentimes reference in sessions: “You don't marry one person; you marry three: the person you think they are, the person they are, and the person they are going to become as the result of being.” (Richard J. Needham)
People change all of the time, so if you’ve been in a long-term relationship, you absolutely owe it to yourself, your partner, and the relationship overall to “check in” to make sure that you both ultimately want the same things from your dynamic. Never assume. Assumptions typically backfire — one way or another.
Is There Any Area Where You Think We Are Wasting Time?

I have always liked this particular definition of waste: “to consume, spend, or employ uselessly or without adequate return,” and when it comes to this particular article, please remember that if you are pouring into something and not getting much of a return…that is the textbook definition of wasting time, effort, and energy.
So yes, it definitely works in your and your partner’s favor to ponder if the two of you are wasting time in an area. One way to figure this out is to look through the lens of INVESTING vs. SPENDING. Whatever you all are doing, is it an investment where you are seeing a payoff, or are you just spending and not really getting much in return?
I’ll say this — if there is more fighting than peace; if you don’t have the same values; if one or both of you are acting like you are satisfied as far as intimacy goes when you really aren’t; if when you hang out, there feels like a disconnection is there; if one or both of you are walking on eggshells in order to get along, and/or spending time with each other isn’t one of your all-time favorite things to do…all of this are indications of wasting time because, again, you’re giving but…what are you really getting?
Do We Complement Where We Are Heading As Individuals?
GiphyWhen God decided (because it was him; not Adam) that it was time for Adam to have a companion, the Classic Amplified Version of Scripture states that the Lord said this: “Now the Lord God said, It is not good (sufficient, satisfactory) that the man should be alone; I will make him a helper (suitable, adapted, complementary) for him.” (Genesis 2:18 — AMPC) Hmph, don’t get me started on how much nonsense I see on social media that causes me to wonder if people actually believe this. For now, I’ll just say that it’s important to peep what this verse says a good helpmate looks like: she is suitable, adaptable (that’s a good one), and complementary to her man.
Complementary is a great word. So much, in fact, that several years back, I penned an article for the site entitled, “If He's Right For You, He Will COMPLEMENT Your Life.” When you complement someone, you help to complete them. This is why I wish people would really embrace how masculinity and femininity are designed to BALANCE (i.e., complement) one another. And even beyond that, when it comes to your relationship specifically, where do you and your partner complete each other? Not in the rom-com way so much as where do they “balance you out”?
A married couple who I work with, one of the things that I’m trying to get them to chill out about is embracing that their differences actually can work in their favor if they simply stopped trying to turn each other into carbon copies of themselves (another way that ego manifests, by the way). An example of what I mean is the husband is very chill and cautious in how he moves while the wife is spontaneous and likes to take all kinds of risks. If they embraced the way this could COMPLEMENT both of them as individuals, she wouldn’t be so emotionally high-strung and unnecessarily stressed, and he wouldn’t overthink his way out of potentially great opportunities.
Another favorite quote of mine is “If two people were exactly alike, one of them would be unnecessary.” (Larry Dixon) Although you and your partner shouldn’t be so different that you’re constantly clashing and butting heads, it’s okay to bring different things out of each other by how you complement one another. Spend some time talking about if/how you do. It can reveal quite a bit.
What Would You Like to Accomplish, Relationally, Next Year?
GiphyRemember how I touched on the fact that boredom can lead to the demise of a relationship? As I close this out, another way to avoid stagnation in your relationship is to create plans for it.
In 2026, where do you want to travel? What new things do you want to try/attempt together? What are the strengths that you want to celebrate and the weaknesses that you want to work on? How do you want to progress spiritually? What needs still need to be met? What wants do you wish to prioritize? What habits do you want to break? What boundaries need to be set? What do you both want to get better at as far as communication goes? What can you do to become better friends, confidants, and lovers?
It’s kind of wild that, although most of us know the quote, “Fail to plan, plan to fail,” many of us literally FAIL at applying it to our relationship. Yet there is data all over the place that supports that if you want to succeed at something, planning is one of the most effective ways to do it.
Just ask Cey and Jai. #wink
Salute to them and Happy New Year to you and your man.
Here’s to plenty of progress…with barely any stagnation, chile.
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