Money Talks is an xoNecole series where we talk candidly to real women about how they spend money, their relationship with money, and how they get it.
In this installment of Money Talks, xoNecole chats with Sage The Flame - a 21-year-old full-time adult content creator and erotic artist who is on track to saving five figures this year and breaking the negative stigmas against sex work and sexuality. Amid the pandemic, Sage pivoted by taking her OnlyFans side hustle to full-time status following strip clubs closing. The adult content-friendly website has allowed her to take her financial destiny into her own hands and monetize her work as an erotic content creator.
"I've always been comfortable with nudity and interested in sexual expression so I had been selling my own nude content since I was 18 and decided to sign up on the platform after consulting with another sex worker and realizing it could optimize my ability to monetize my content in a more organized way," she explained.
Here's what the Baltimore-bred badass had to say about her life as a top erotic artist on OnlyFans, gifting her mother with nearly $40,000 cash, and what we should do to learn more about the sex industry.
On OnlyFans:
"OnlyFans is a platform where you can monetize any type of content (similar to Patreon) but it's adult content friendly.
"People pay a monthly subscription fee and they can also pay to see additional content that is sent via DMs. OnlyFans takes 20% of all revenue including tips, which can be sent from any subscriber at any given time for any reason."
On multiple streams of income:
"At the moment, online adult content is my primary focus. Once I feel like I've really solidified that foundation, I'll be branching out. Stay tuned to see what's next."
On financial stability:
"Since I started in April 2019, it has always been a nice financial safety net to have. Now that I'm realizing how enjoyable the whole process is, I'm working on making it my main stream of income. It's currently allowing me to increase my financial stability by granting me the time to learn more about financial organization/literacy and also plant seeds for other streams of income to grow.
"For example, I can record enough content to last me 30 days. While that content is earning residual income within those 30 days, I can then start researching and upgrading my photography and videography skills and increase my knowledge and personal assets."
On being a spender or a saver:
"I'm on track to saving five figures this year, [so] I would say I'm a saver. I just thoroughly enjoy seeing money grow. What has helped me keep my savings plan on track is having an Excel spreadsheet with savings milestones. I list out everything I want to save for (short-term and long-term) and I'll include something fun and rewarding at the end of each milestone so that I greatly reduce the urge to get sidetracked and splurge. For example, once I reach the current milestone I'm working towards, I get to treat myself to new tattoos."
Courtesy of Sage The Flame
"I just thoroughly enjoy seeing money grow. What has helped me keep my savings plan on track is having an Excel spreadsheet with savings milestones. I list out everything I want to save for (short-term and long-term) and I'll include something fun and rewarding at the end of each milestone so that I greatly reduce the urge to get sidetracked and splurge."
On the worst money-related decision she’s ever made:
"Ignoring my own intuition and over-valuing the opinions of others when it came to the vision of my business and execution of my ideas because I assumed that since I'm so young I probably don't know any better. Always trust your gut."
On overcoming financial lows:
"Right before I started stripping, my finances were actually a big stressor on me. My paycheck was very inconsistent. There was a period of time where I wasn't able to pay myself, outside of my OnlyFans side hustle, for nearly three weeks.
"For a period of time, I just tried to push through and really tried to make things improve. Then, I really analyzed the situation, did my best to release all the worst-case scenarios that were floating around in my head, and ultimately realized I needed to make a big shift if I wanted my situation to change. I proceeded to consult a well-known stripper in Miami, weighed all my options, and eventually decided to buy my first pair of pleasers and execute."
On budget must-haves:
"Honestly I'm not a budget guru, I have a pretty simple Excel spreadsheet where I make sure to list everything (monthly and irregular expenses) and that works pretty well for me. But whatever you do, the absolute most important step is actually sticking to your plan as best as you possibly can!"
On her biggest splurge:
"So far in life, my biggest splurge has been gifting my beautiful mother $35,000 cash. My original plan was to buy her a baby Tesla but I figured she would appreciate having the agency over how to spend the money more so than a car and luckily, she allocated it wisely."
On unhealthy money mindsets and habits she had to let go of in order to prosper:
"Mapping out my goals is what really allowed me to finally start saving. Without having anything solid to work towards, I kept spending my money as quickly as I was making it. Also, I definitely had to unlearn the idea that money was hard to get [or that] I was incapable of achieving financial abundance. And I had to learn that it's OK to reach out for help or advice whenever I need it. I would come up with ideas and execute things that would put me in positions of abundance. Circumstances started to align for the better."
Courtesy of Sage The Flame
"I definitely had to unlearn the ideas that money was hard to get [or that] I was incapable of achieving financial abundance."
On promoting body positivity and increasing confidence:
"People who are paying for your content are usually always going to have a positive interest in you and will most likely positively affirm you if your content is good. OnlyFans has been helpful for me in that it affirms my work and my efforts. It makes it easier for me to express myself to paying supporters and it gives me an outlet and a safe space to document my sexual journey and showcase my erotic art which I really love. I don't think that OnlyFans is inherently helpful or harmful when it comes to confidence and body positivity though. It all depends on the person who is using it and how they are using it.
"When it comes to confidence, you could compare it to the strip club. On one hand, it can definitely make you feel sexy, powerful, and confident, while on the other hand, you could get into the mental loop of comparing yourself to other girls and thinking about what you could be lacking and what you need to 'fix' about your appearance or you could end up relying too heavily on external validation.
"When it comes to body positivity, I think it has carved out a lane and created easier access to success and monetization for women of all body types and appearances. The success that these women are having as independent OnlyFans creators seems to be a manifestation of [sex worker inclusive] feminists and the body-positive movement that was started by fat black women and their efforts to boost the conversation surrounding fatphobia. I am a conventionally attractive, light-skinned, able-bodied woman whose body type is already pretty well-affirmed through the lens of society so I don't think OnlyFans has done anything to change body positivity for people who look like me, although it seems to be boosting the conversation about sex work for the entire community as a whole which I'm happy to see."
On living her "hoe truths freely", as mentioned on Instagram:
"It's truly fantastic and freeing. Ever since becoming sexually active, I've always had an interest and curiosity in sexuality but for a long time, I kind of convinced myself that this was a background interest due to internalized whorephobia and fear of how I might be perceived if I intentionally pursued and expressed my interests out loud. I've allowed that interest and outward expression to organically grow over the years but ever since spending time reflecting in quarantine, I've come to the realization that I am truly fascinated with sex. I am fascinated with the history of sex, the alchemy of sexual energy, the science of sex, sexual education, sexual pleasure, the expression of sexual energy, erotic art, etc. It's actually more of a foreground interest of mine and I'm happy to be able to align with my truths and grow from there."
For more of Sage The Flame, follow her on Instagram.
Courtesy of Sage The Flame
- How To Make Money On OnlyFans, Making Money - xoNecole: Women's Interest, Love, Wellness, Beauty ›
- Money Talks: Princess Lomax, Six-Figure Nurse Practicioner - xoNecole: Women's Interest, Love, Wellness, Beauty ›
- Is OnlyFans Deleting Sex Workers' Accounts? - Rolling Stone ›
- OnlyFans Is Cutting Referral Bonuses Because So Many People Are ... ›
- OnlyFans star Monica Huldt describes how she makes more than ... ›
- OnlyFans: What It Is, Who's on It & What It's Used For | Complex ›
- How OnlyFans Changed Sex Work Forever - The New York Times ›
RELATED
Whether you're planning to meet a certain financial or fitness goal, or you're simply trying to maintain and build on the progress you made this year, having something to look forward to is always a good look. Setting actual goals, according to research, actually leads to more success than just playing things by ear. So here are a few to get you started, sis:
(Disclaimer: Not everything is for everyone, so do like my Granny always says: "Eat the meat. Spit out the bone." Take on five out of the 40 and focus on that for the remainder of the year, or do them all. Either way, this is just to get you started.)
40 Ways To End The Year Strong and Inspired
Money Moves
Riska/Getty Images
1. Increase your retirement (or other savings/investment) contributions by 1%.
Experts have found that you could be leaving money on the table by not upping your contributions when you can.
2. Cancel two to five subscriptions.
You could be missing hundreds, even thousands, of dollars a year due to sneaky price hikes and "updates."
3. Create a "fun" in a high-yield savings account.
This is especially important if you struggle with the dreaded b-word (budget) and will make next year's efforts a lot less intimidating. Even if it's $10 a month, do it.
4. Put on your big-girl panties, and set up automatic transfers and payments for at least one bill.
It reduces the stress of managing bills, lessens the chance of a missed payment---and the fees that come with that---and there can be cost savings for doing so.
5. Invest in a cleaner or housekeeping service.
Bosses who value their time (and mental health) invest their dollars into areas where the time they'd spend doing those tasks themselves could be better used to focus on other money-making projects. (And yes, rest is part of that.) Get a housekeeper, sis, or drop off that laundry, even if it's once per month.
6. Donate to a charity.
Beyond the tax benefits, it's a win-win for the greater good of communities you care about.
7. Review your insurance policies and negotiate a better rate (or move on) before their end dates.
Experts often agree this is a small but mighty step to take each year, especially since insurance rates are competitive, you could be spending more money than you need to (or not enough) and your insurance rates can affect your mortgage payments.
8. Call your loan provider and refinance.
As interest rates fall, “millions of borrowers may be able to refinance and get more affordable payments. As interest rates eased down to 6.5%, about 2.5 million borrowers could already refinance and save at least 75 basis points (0.75%) on their interest rate,” the Consumer Financial Protection Bureau reports. You can also refinance student and other types of loans.
9. Stop buying individual items and stock up via going bulk.
Research has found that, among 30 common products, buying in bulk could save you 27% compared with buying in lower quantities. Water, paper products, and baby products like diapers, toiletries, and garbage bags are the top items where people see the most cost-effectiveness. (This has been a lifesaver for me—children, large family, or not—especially when it comes to toothpaste, deodorant, toilet paper, and feminine hygiene products, saving stress, time, and money.)
10. Go cash-only for the holidays.
If you set smart goals and stick to limits on things like gifts, going out to eat, or groceries, you'll see the benefits of this. Cash-stuffing is one method recommended, but something as simple as taking a $10 bill out for lunch, disabling that card for an hour, and leaving your card in a safe place at the office can give you that mindset jump start to see how far you can take your money without the need to splurge.
Love And Romance
11. Say "no."
There are clear mental and physical health benefits to saying no including the setting of healthy boundaries, creating time and energy for other self-care activities, and protecting yourself from physically harmful situations (i.e. unprotected sex or abuse). Just say it, clearly and simply, when you need to.
12. Set a fun, free, adults-only date night for once a week or twice a month with your spouse.
If busy, high-profile folk have touted the success of this, even you can make the time for quality time with your partner. And it's even better when it costs nothing. The best connections are made doing something chill, challenging, or outside the usual dinner-and-a-movie date. Play a game that allows you to reconnect, take a walk in your neighborhood to chat and laugh, or try a little erotic chocolate/edible liquid/paint episode a la Mea Culpa.
13. Go out with Mr. or Ms. "Not My Type."
I love my man, but if I were waiting out for my "type" at the time, we wouldn't be celebrating seven (going on eight) years together. Sometimes having strict, unrealistic expectations for a spouse (especially related to things like height, physical features, or career path) is what's keeping you alone and lonely.
Take the pressure off and explore all your options. I'm not telling you to stop popping the balloon on the guy who earns $20,000 less than you if that's a hard no that Jesus himself told you to skip. I'm asking you to explore other options and see what else God might have out there for your love journey.
14. Immediately apologize and pray together.
I've learned that always being "right" isn't always ideal when you truly care about someone and you're in a relationship for the long haul. Defaulting to an apology when necessary, even when things aren't 100% resolved, is a good way to prioritize peace and save your energy for more worthwhile battles. Research has even supported the benefits of apologies in relationships, and how couples married for five or more years do it often.
15. Get a Rose and discover true self-love.
Do I really have to explain this? You've gotta know what satisfies you, and how better to figure that out than to practice self-love in the bed by yourself? You can also try this with a partner, but as a woman who got on this train very much later in my sexual activity journey. I have a lot more learning to do on my own, and even in a satisfying relationship, I like to find out new things about myself, by myself.
Figure out what you're into, watch what you want to watch, and read what you want to read to define pleasure for yourself. There's a freedom and empowering element there especially if you're used to prioritizing pleasing your partner.
16. Be direct and have the "money talk" with bae.
Money issues are one of the leading causes of divorce, so you need to have those conversations before you even think about marrying someone. And true, nobody can predict the future so you won't be able to avoid some challenges altogether, however, talking with your potential spouse about how they view money, their spending habits, and the pain points in terms of their approach to money management can at least give you a glimpse into what's in store if you do walk down the aisle, move in with them, or decide to share a bank account/business/child with them.
17. Invest in the "paid" version of that dating app.
I know plenty of successful, married folk who did this and met "the one" as a result. Let's be honest: The free version is for playing around. I had a lot of fun with my "free" profile back in the day, trust me. Upgrade that photo, profile, and package, and see if the quality of your dating adventures changes when you're serious about finding a true partner. Dating coaches and matchmakers cosign this.
18. Solo travel to meet that long-distance connection.
Sometimes, your perfect match isn't within 100 miles of you, and that's okay. Make it an adventure, enjoy the memories, and book that ticket. I met my man this way and it's been a whirlwind escape ever since. If you're not comfortable traveling solo, travel or (network to plan travel) with a group via Facebook.
Career And Business
Riska/Getty Images
19. Schedule coffee or virtual meetups with smart people from your graduating class, previous employer, or current employer.
I have gotten many freelance opportunities by doing this. It's as simple as connecting and offering value (or simply learning how you can better equip yourself to do so.) It's also a great way to expand your network, spark new friendships, or find out about new job opportunities.
20. Invest in a well-made suit.
I don't care what industry you're in, a suit says "power," and it's not as old-school or out-of-style as you'd think. Plus the whole experience of looking for a new one (or getting one tailored) is fun and affirming. Try these options. I swear, anytime I wear a blazer, I'm treated like a celebrity or boss, especially when traveling. I was once upgraded to first-class wearing a yellow blazer outfit, and the airline professional literally said, "You look like somebody important. Here you go."
21. Volunteer for a worthwhile project or cause that's important to your company.
If you're overworked and underappreciated, skip this one, but if you truly have the time, love what you do, and want to advance, this move is clutch. Volunteering for extra projects got me where I am today in media because I had foresight, and knew that was the only way at the time to leverage relationships, and I was able to challenge myself to learn skills that 20 years later are still bankable. That VP you can't get a meeting with will be at that gala your company is planning, so join that committee, sis.
22. Write down why you deserve a raise and ask for it in your next one-on-one.
Gather those receipts (ie sales increase numbers, KPIs met, deals closed, people acquired via recruitment, the impact of systems updates, or other tangible success metrics) and ask for that raise before the first or second-quarter budgets are being finalized.
23. Instead of quitting, write down your exit plan.
While revenge quitting is set to be a thing next year (and maybe you're among those who will be leading the trend), try the better boss move and quit with a real plan.
24. Start automatically separating that estimated self-employed quarterly tax estimate.
If you have side hustles (or you're collecting 1099 income,) baby, you do not want to neglect those quarter tax payments. Talk to a professional, do your research, and set up automatic transfers to an account specifically for paying these at the appropriate due dates.
25. Sign up for a free one- to 11-week course related to your industry—or the industry you want to be in next year.
Institutions like Harvard University and platforms like Coursera offer free courses that can enhance your skills. You can also invest in certificate courses with accredited colleges as well as tech training.
26. Hit "Easy Apply" for 10 dream jobs listed on LinkedIn.
While you shouldn't solely rely on this when actively job-seeking, using this convenient LinkedIn option is a great way to get into the habit of applying for positions. And if you're already employed, you should still be "dating" other employers if you're looking to make a move in the next six months. Keep your interview skills sharp, practice toughening up for the "nos," and get a bit of an ego boost in the process.
Self-Care And Wellness
27. Pre-schedule three month's worth of massages.
Oftentimes this is cost-effective since some spas offer deals for multiple bookings. Also, it makes an act of self-care deliberate and important, not an option. When you get that reminder call, you'll know it's real.
28. Fire that therapist and try another one.
Cultural competency in mental health support is one major problem that can hinder Black women from even bothering with therapy. And who wants the added stress of spending multiple, paid sessions explaining why something is a microaggression? Cut the cord and move on to try someone else, either via a Black women therapists channel or recommendations from others.
29. Join a small group at church.
Bedside service ain't gonna cut it and neither is going to the usual Sunday service. Join a smaller group and upgrade your efforts to connect, network, and elevate spiritually. Even if virtually, take a step to dig a bit deeper with more targeted Bible study and discussions.
30. Say no, even to loved ones.
This is on here twice, for a reason. Saying no is the simplest, most powerful micro-action you can take today to make 2025 better. No explanations. No guilt. Say no.
31. Choose one "luxury" beauty product for skincare and stick to it.
This was trending big on social, especially for millennials hitting their 40s. There's just something so freeing about not giving in to every trend and sticking to the basics that work, especially when there are quality, healthy ingredients involved. Put those orders on auto-renew.
32. Sign up for a new sport or fitness class just for fun, not for results.
It's great to be on a weight-loss or weight-lifting journey, but try something just for the fun of it. Switch things up with a couple of these fitness activities.
33. Book a staycation.
Leave the passport at home and explore a nearby community or another town in your state. There's so much enrichment in your own backyard right here in the U.S., and you don't even have to break the bank.
34. Pre-schedule your mammograms, Pap smear, and peri-menopause checkups for next year.
Take control of your health by pre-scheduling essential appointments like mammograms, Pap smears, and peri-menopause check-ups for 2025. Prioritizing these screenings early ensures you stay on top of your wellness and make time for self-care in the new year.
35. Cut off support of beauty and wellness professionals whose customer service is below standard.
This is another one that many Black women have been vocal about—from unrealistic pre-appointment requirements, to booking fees, to long waits, to unsavory in-salon experiences. Spot the red flags early, and just stop accommodating foolishness. Support salons or experienced stylists who are kind, have proper systems in place and value your time.
36. Schedule five to 10-minute moments of silence on your calendar.
Again, wellness is not optional, and if it's not on my calendar, it's not official. Sit quietly. Pray. Meditate. Or do nothing. The benefits of silent moments are almost endless.
37. Download a meditation app.
If you've found that meditation is difficult to schedule or to even start, an app can help. Try this, this, or this one, and take that step to embrace something new to enhance your wellness routine. If you're tired of downloading apps, create a playlist for meditation via Amazon Music or Spotify and schedule a reminder to do it once a day or week.
38. Invest in a healthy meal prep or delivery service.
Time is emotionally expensive, so save as much of it as possible. Getting into meal prep to keep to your goals is a great way to save time, stress, and effort. The health benefits of meal prepping have also been proven via research.
39. Create a positive playlist on Spotify, Amazon Music, YouTube, or other streaming platform.
It can be podcasts, music, affirmations, or somatic sounds. It's a game-changer. You can even set an alarm to wake you up to start your day with the positive playlist. Not into creating your own? There are plenty to choose from with a quick search.
40. Set up reminders for Alexa (Siri or other AI) to remind you, "You are loved," and "You are okay."
This simple effort can boost your endorphins and remind you that you're indeed, not alone, and you will be okay, regardless. To set mine up, I simply commanded, "Alexa, remind me everyday 'Jesus loves me,'" and like clockwork she does. She almost scared the ish out of me one day when I'd forgotten the reminder was active, but it was the reminder I needed when anxiety had gotten the best of me that week.
Let’s make things inbox official! Sign up for the xoNecole newsletter for love, wellness, career, and exclusive content delivered straight to your inbox.
Featured image by
