
The Rules This Social Media Coach Is Living By In Order To Retire By 40

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 spend it.
Born Sara Hood in a Sudan refugee camp after her parents escaped a civil war, this Seattle-bred influencer does not show any signs that she has been through any of the hardships she has ever endured. As a mother of two— including a first-born diagnosed with autism— Sara Lovestyle uses the many hats she wears as a mother, wife, advocate, and entrepreneur to demonstrate the true definition of living a "lovestyle", a pseudonym that was born out of her desire to live a life of happiness, wholeness and health.
In this installment of "Money Talks", xoNecole spoke with the 33-year-old social media coach and lifestyle influencer about the importance of investing, generational wealth being the greatest form of wealth, and her worst money mistake of not trusting her gut instinct.
On how much she saves and if it’s in a high-yield savings account:
"When it comes to being an influencer, it took me two years before I started making money and four years before it was significant. I've also discovered it's not so much about what you make (revenue) but what you keep (profit), so I do projections for my business revenue and personal income for a year, along with the budget. I also prioritize what needs to be done to retain a certain level of profit margin, normally at 30 percent, and I believe in saving/investing 20 percent."
On her definitions of wealth and success:
"The greatest form of wealth is generational wealth in the form of financial prosperity you can pass down from one generation to the next. Wealth at its core is also the financial freedom to do what you want to do when you want to do it—creating a prosperity engine where my kids are able to do the same, too…in perpetuity, as T.I. would say (laughs). Success to me is more than just financial freedom. It's the impact I can create and the legacy I can leave.
"Success is evolving to a level of impact where you can empower others. It's being able to start a VC fund for black, brown, and female entrepreneurs because we are so underrepresented and underfunded. Success is all about the tables I can build and fill for others. Whose lives did I touch with my success? Who did I encourage, uplift, impact with my success? Success for oneself leads to a lonely life, and I want so much more than that. Success is not a self-centered pathway to acquiring more clout and material possessions. It's empowering more leaders of excellence and creating the bold audacious change the world needs."
Courtesy of Sara Lovestyle
"Success is all about the tables I can build and fill for others. Success for oneself leads to a lonely life, and I want so much more than that. Success is not a self-centered pathway to acquiring more clout and material possessions. It's empowering more leaders of excellence and creating the bold audacious change the world needs."
On the lowest she’s ever felt when it came to her finances, and how she overcame it:
"In college, I was working at the gas station and at the mall making below minimum wage. I was literally working 16 hours every day while taking a full load of college credit hours. It was rough because I was in sheer survival mode, working whatever hours were necessary to pay rent and stay in school. The interesting thing about the low points when dealing with finances is that they made me scrappy and stronger. It's where my hustle and drive come from. I hustle the same at my lowest and at my highest because to level up from any spot always requires everything you got."
On her biggest splurge to date:
"My biggest splurge is my house. It's where I spend the most time. It's where I raise my children. But the biggest splurge inside my house is the chandelier in my office (laughs). I budgeted for everything, but my chandelier I had to have…because it was a symbol that made me feel like a boss. I love looking up at it because it reminds me to grind and continue to level up…every single day. Success is leased not owned, and rent is due every day."
Courtesy of Sara Lovestyle
On whether she’s a spender or a saver:
"I am a little bit of both. Majority of my splurges are for my business, and I don't consider them splurges; they are investments into my business. If I want to splurge on a purse or shoe I will, but it's planned and calculated if I earned it. If it's a reward, I will. Also, the rule I have is similar to what Jay-Z said. If I can't afford something three times, I don't buy it. If I can buy it once, I consider it a negative, if I can afford it twice, I break even, and if I can afford it three times, then I'm still in the positive.
"Another thing that I do is I plan my finances, my goals, and budgets for my entire year. I break it down to the month, and I have a specific budget each month. I'm blessed as well because my parents made sure to teach me financial literacy starting really young."
"The rule I have is similar to what Jay-Z said. If I can't afford something three times, I don't buy it. If I can buy it once, I consider it a negative, if I can afford it twice, I break even, and if I can afford it three times, then I'm still in the positive."
On the importance of investing:
"It's interesting I went from having never invested to several in a matter of months. Investing has expanded my mind to many experiences and knowledge I would've never gotten in different sectors of business. I invest in financial investments (stocks), and normally put 10 percent of my income toward it. In addition, I make business investments as an angel investor, which I'm most proud of. I invested into Moon UltraLight, an innovative new touch-controlled mobile lighting device designed to clip onto any smartphone or tablet. Its founder is a genius black entrepreneur named Ed Madongorere.
"The number one tip I would give before investing in a business is, you're investing in the person not the business. There could be an exceptional business idea, but if the founder doesn't have a plan of execution or isn't focused, then it won't matter. A recommendation I would also give is to truly study the industry that you're passionate about. Binge on as much information as you can, and then connect with others in the same industry."
On her savings goals and what retirement looks like to her:
"My savings goal is to have three years of emergency savings in reserves. I am intentionally building cash flow systems so that I can be in position to retire in seven years by 40. At that point, my goal is to have built enough cash reserves and investments where I could live off the interest if I wanted to for the rest of my life. At this stage, I imagine [in my] retirement [that I am] still being impactful, so it would be filled with philanthropy, travel, and my family."
Courtesy of Sara Lovestyle
"My savings goal is to have three years of emergency savings in reserves. I am intentionally building cash flow systems so that I can be in position to retire in seven years by 40. At that point my goal is to have built enough cash reserves and investments where I could live off the interest if I wanted to for the rest of my life."
On her budgeting must-haves:
"Before you even make a substantial amount of money, you should always have a budget. It's the foundation to managing your finances. The basics of a budget is you must understand. To the penny. What's coming in or out. What is a necessity (i.e. rent/mortgage) and what's a want? Something I've noticed with even some of my own friends is [people] not paying attention to any subscriptions they have. Sure an app might only be $1.99 or something is $29.99, and something else is only $49.99, but all of that adds up. You have to stay on top of it all with a budget. The same discipline it takes to manage $1,000 is the same it takes to manage $1 million."
On her intentions behind multiple streams of revenue:
"When I created my lifestyle influencer platform, I was initially a make-up stylist and beauty influencer, and make-up styling services became a primary income stream. As I began to pivot and expand, I created income streams for even more influencer passions I have coined a 'Lovestyle' which includes fitness, cooking, and social media influencer coaching. The streams of revenue created for these areas of influence include sponsored social media posts and affiliate marketing, cookbooks, cooking classes, fine dining pop-up events, Belay & Bell Spices — and influencer coaching with my new business partnership with AgencyLuxCo and business partner Taylor Winbush.
"Having only one source as an influencer and entrepreneur isn't smart for me. Social media is a billion-dollar industry. To not have several streams would be doing myself and my audience a disservice, especially because all of my services are tangible, measurable, and scalable resources for others and their businesses."
On unhealthy money habits and mindsets:
"I would say an unhealthy habit is operating with a scarcity mindset. The thought of 'Is it enough?' can be stressful. It can consume you as well as take up precious mental space and energy with worry. I had to understand that to travel far in business and to truly be successful I needed to spend on my team, resources, software, and the things required to make me successful in my businesses. Once I changed my mindset, my businesses began to grow exponentially."
On her money mantra:
"What gets measured gets done."
On the craziest thing she’s ever done for money:
"I'm structured in my personal life, in my business, and I'm certainly structured with my finances. It's rare I'll make random purchases. If it doesn't make sense or if I can do without it, I just won't. The other thing is I rarely buy on trend. That goes for shoes, clothes, furniture—whatever. Even the items in my closet for the most part aren't [trends]. The problem with following trends is that trends change, and trends aren't budget-friendly because you always have to keep up."
On the worst money-related decision she’s ever made:
"The worst money mistakes I've made all happened because I did not follow my instincts. I was presented with a business deal that I didn't feel good about, but I did it to please others I cared about. The structure was wrong, there was no long-term plan, and I didn't trust the business owner completely. Within 90 days, the business collapsed, and I lost all the money I had invested. It makes me sick to my stomach to this day because I didn't trust my instincts that were 100 percent right. Discernment is real, and every mistake I've made is because I didn't listen to my spirit and it always backfired."
On her budget breakdown:
"My budget breakdown for my business is one-third goes back into the business, one-third toward business expenses, and one-third is for me. Keep in mind for a long time I did not take a salary. It was more important to keep my team and put it back into my business. When I teach financial budgeting for influencers, I normally use this breakdown for personal expenses:
Housing: 40%
Auto: 15%
Expenses: 20%
Savings/Investments: 15%
Wants: 10%"For more Sara Lovestyle, follow her on Instagram or visit her official website.
Featured Image Courtesy of Sara Lovestyle
Your July 2025 Monthly Horoscopes Are All About Reflection & Reclaiming Your Power
July is a month of reflection, trusting the process, and gathering your resources. July marks the beginning of Retrograde Season, and there is a lot to move through and understand this month. We enter the month in Cancer Season, and emotions are running high. This month is a reminder that when we can take a moment for a pause, reflect on all we have learned, and remain open to what is ahead of us, we can experience true peace today.
On July 4, we have Venus entering Gemini and Neptune going retrograde in Aries. Venus in Gemini brings an interesting dynamic to matters of love and creates an atmosphere of fun, flexibility, and communication in partnerships. Neptune going retrograde in Aries brings a sense of empowerment regarding reflection and contemplation, and guides us to ask ourselves the important questions. This Neptune retrograde is about getting clear on who you are or who you want to be, and about clearing any confusion in that.
July 2025 Astrology Overview
Uranus Enters Gemini
Uranus makes an important transit this month and enters Gemini on July 7 after being in Taurus since 2018. Uranus in Gemini is a wildcard, and anything can happen during this time. With Uranus being the planet of change, upheaval, and breakthrough, and Gemini being the sign of communication, there is a new opening appearing in life, especially regarding creative and business matters.
A few days later, we have a Full Moon in Capricorn, grounding all the energy we have experienced the past month. This Full Moon is about creating space for more security, understanding, and purpose to enter your life, and to own your power in creating your dreams.
Saturn Goes Retrograde, Then Mercury
Saturn goes Retrograde on July 13 until November 27, and Saturn Retrograde brings a push towards growth, but also examines what has been restricting you from doing so. With Saturn currently in Aries, you may be feeling more challenged in standing up for yourself and your beliefs and owning your growth. It’s about reminding yourself how far you have come and knowing that things can get better for you at any moment.
A few days later, we have Mercury going retrograde in Leo, and this Mercury Retrograde is also feeling more personal. It’s about examining how you express yourself and live in your confidence, and overcoming miscommunication with others by showing up exactly as you are authentically.
Leo Season Begins, Chiron Goes Retrograde & Venus Enters Cancer
Leo Season officially begins on July 22, bringing more sunshine after the emotional waters of Cancer Season. Even though we are in Retrograde Season now, with the Sun in Leo, we find the power to overcome even the most trying times. On July 24, we have a New Moon in Leo, making this a powerful New Moon to set intentions for your inner power, creativity, hobbies, self-expression, and where you want to shine in life. Chiron goes retrograde on July 30, and Venus enters Cancer on the same day, and we leave July, entering a new door in love.
One that is more healing and passionate than before. Overall, July is a month of closure and one that is creating the new ground for more purpose, excitement, and love to grow. Keep reading for your Sun, Moon, and rising sign below to see what July has in store for you.
Jump to Your Sign
Aries | Taurus | Gemini | Cancer | Leo | Virgo | Libra | Scorpio | Sagittarius | Capricorn | Aquarius | Pisces
Aries (March 21 - April 19)
A lot of things are brought to your attention this month, Aries. Neptune entered your sign this year for some time to come, and this month Neptune goes retrograde in Aries until the end of October. For you, this means you need some more time to process, understand yourself and your emotional world better, and you are clearing the fog. You are entering Retrograde Season with a deep inner clarity, but also an understanding that your healing doesn’t need to be rushed.
Mid-month, Saturn goes retrograde in Aries until September 1, and it’s important not to be hard on yourself right now. You have a strong urge to transform your life this month, but things may not be happening as quickly with the retrogrades in your sign. On July 30, Chiron also goes retrograde in Aries until 2026, and you end the month in introspection, with the need to take care of your health more. This month is a reminder that you can make plans, but divine timing will always have a say.
Taurus (April 20 - May 20)
July is a month of closure for you, Taurus. You begin the month with Uranus going retrograde in your 2nd house of income, and it’s a good time to prepare for a rainy day. Uranus is going to be shifting the dynamics in your life when it comes to your financial investments, earnings, and sense of stability, and it’s time to open your mind to what is possible for you and your abundance in life. You are learning to be fearless when it comes to owning your authenticity, and knowing that who you are is unique and worthy of love.
On July 10, we have a Full Moon happening in your 9th house, creating an opportunity for travel plans to follow through, or you just feeling more adventurous in general. Mid-month is about letting go of old belief systems that don’t resonate with your heart, and clearing the way for the new to be built in your life. You end the month with Chiron retrograde in your 12th house of endings, and you are learning through what is transforming in your life.
Gemini (May 21 - June 20)
You are a powerhouse this month, Gemini. This is a month of achievement, success, and growing more deeply into your power. We begin the month with Venus entering your sign from July 4 until July 30, and love is taking you to new heights. This is a good month for making relationship developments, and for being received well. You are growing in your inner confidence and self-love, and this is creating more harmony in your partnerships as well.
One of the most important astrological transits of the year happens for you this month, and that is Uranus entering your sign on July 7, where it will remain until 2033. With Uranus now being in your sign, you are entering a journey of freedom, rebellion, self-expression, breakthrough, and immense change. You are dancing to the beat of your own drum and will be surprising others by how much life changes for you over the next eight or so years. We end the month with Mercury going retrograde in your 3rd house of communication, remember to think things through as you close out the month.
Cancer (June 21 - July 22)
July is a month of communication, creativity, and self-expression, Cancer. Cancer Season is here for you, and you are moving through the month claiming your power, speaking from the heart, and balancing your needs with others’ needs in your life. The Full Moon of the month on July 10 is your opportunity to let go of anything that has been weighing you down in your close partnerships, and to create room for more stable, committed, and fulfilling love to enter.
On July 24, we have the New Moon of the month, which will be happening in your 2nd house of income, abundance, and self-worth. You are evaluating how you want to show up and ask for what you need, and are preparing for a financial breakthrough. This is a good New Moon to set your intentions for your financial world and to see new ways to create a stronger foundation for yourself here. We end the month with Venus entering your sign from July 30 until August 25, and love feels a little more intense, passionate, and purposeful now.
Your guidance for the month overall is to know that you are the magnet for the things you want in your life, and that you have the power to rise above and claim them.
Leo (July 23 - August 22)
Joy is what this month is about for you, Leo. You are entering a fulfilling time in your life, where everything comes together for you better than you have ever imagined it to. Mercury goes retrograde in your sign this month from July 18 - August 11, but it’s not stopping you from enjoying your life and living out your truth. You are moving through this Retrograde fearlessly and learning more about yourself in the process.
Leo Season officially begins on July 18, and it’s your time to shine your light, Leo. With the Sun in Leo, you feel like your authentic self is being recognized and loved, and you are healing from a space of feeling like you have to do it all alone. A few days later, we have a Leo New Moon on July 24, and this is the time to set your intentions for your future and for how you want to show up in the world moving forward. July is your month of fulfillment through growth, compassion, and community, and for feeling like you have everything you need.
Virgo (August 23 - September 22)
July is all about perspective, Virgo. You are getting inspired this month, creating new plans for your life, and owning an adventurous side to yourself. With the Sun in your 11th house of aspirations for most of the month, July is a great time to manifest your dreams and to feel more powerful in creating your reality. Some Virgos could be traveling this month and seeing previous plans through, and you are gaining clarity on a lot of aspects of your life by doing things in a new way right now.
Your ruling planet, Mercury, goes retrograde this month and will be retrograding through an area of your life that has to do with healing, closure, spirituality, and your dream world. Pay attention to the messages you are receiving during this time, because they are guiding you towards your healing and personal empowerment. The New Moon on July 24 will also be highlighting your need to close one chapter of your life and begin another, and you are closing out the month with a new perspective in your heart and soul.
Libra (September 23 - October 22)
This is a month of fulfillment for you, Libra. A lot of things are falling into place for you in July, and you are owning your freedom and independence right now. Uranus enters your 9th house of travel at the beginning of the month, and you are entering a new journey in your life where you do things in your own way and when you break free of the status quo. You are growing so much mentally this year, and July is when the work you have done internally is being reflected externally.
On July 10, we have a Full Moon in your 4th house of home, family, stability, and emotional harmony, and you are finding your balance. This is a Full Moon of forgiveness, and one where you are recognizing the power in self-care and taking care of your inner world. Before the month ends, we have a New Moon in Leo, and you are seeing a breakthrough happen within your friendships, community, and support system. You have some exciting opportunities coming your way this month, and you are living life in your own way and on your own terms.
Scorpio (October 23 - November 21)
July is about protecting your energy, Scorpio. You have been setting your intentions and creating the life you dream of, and it’s important to create boundaries from those who don’t understand your vision or support you right now. With Uranus moving out of your 7th house of love and entering your 8th house of transformation, after changing things up in your relationships for the past eight years, you are ready to break free from old pain, experiences, or uneasiness in love.
Mercury goes retrograde this month on July 18, and will be retrograde in your house of career. This is the time to take a step back, go over your goals, and give life time to catch up to your dreams. The New Moon on July 24 will be activating this same area of your life, and you are getting glimpses of what is possible for you and your sense of success as you end the month. Overall, your main message this month is to not give up on who you are and what you are building towards, and to know that you are on the right path.
Sagittarius (November 22 - December 21)
This is a powerful month of growth for you, Sagittarius. You have the Midas Touch, and you are creating abundance in your life. With Venus and Uranus moving into your 7th house of love, partnership, harmony, and wealth, there are a lot of new opportunities coming your way right now. You are someone who is out-of-the-box and does things their own way, and this energy is serving you well right now and making you a magnet for new opportunities to enter your life.
Mid-month, we have a Full Moon in your 2nd house of abundance and self-worth, and you are feeling more appreciation and value in your life. Previous financial intentions and plans are coming to fruition for you now, and you are ready to let go of the self-doubt of it all. At the end of the month, we have a New Moon in fellow fire sign Leo, and this New Moon is asking you to take more creative risks and to trust that you are on the right path, even if it looks different than others. If it feels right for you, it probably is, Sag.
Capricorn (December 22 - January 19)
Everything comes to fruition for you this month, Capricorn. July is your month of achievement, closure, and claiming your power, and you are doing so confidently. The Sun is in your house of love and partnership for most of the month, and July creates a space of happiness and commitment within your close relationships. On July 10, we have a Full Moon in Capricorn, and life comes full circle for you. Everything you have been building in your life over the past year is being reflected to you now, and you are feeling a lot of gratitude for where life is today.
Mid-month, your ruling planet Saturn, goes retrograde, and this is shifting the energy in the home. Whatever dynamics that have felt a little shaky for you in the home or with family are being addressed now, and you are learning the importance of healing your inner world and doing the work internally. With a New Moon in your 8th house of transformation to end the month, you are getting a little more vulnerable in July, and it’s surprising others, but even yourself. This is your month of closing one door in your life in peace, and seeing a new one bloom in the process.
Aquarius (January 20 - February 18)
July is about taking things slow and thinking things through, Aquarius. Relationship dynamics in your life could be causing some challenges or confusion, and it’s best to choose your battles wisely right now. With the Sun in your house of health and daily rituals for most of the month, it’s important to take care of your well-being before you try to fix anything else. On July 10, we have a Full Moon in your 12th house of healing, closure, and spirituality, and this is a good time to reflect on everything you want to let go of in your life right now and what you no longer want to carry forward with you into your new beginnings.
Saturn, one of your ruling planets, goes Retrograde in your house of communication this month, and over the next few months, you are going to be learning about the power of your words. Make sure you are only speaking of things you want to bring forth into existence, and be careful with jumping to assumptions right now. Before the month ends, Mercury goes Retrograde in your 7th house of love, and your heart is seeking forgiveness. Know that you can find clarity during this time by being honest with yourself and your heart.
Pisces (February 19 - March 20)
There is a lot to process this month, and your mind is healing, Pisces. July is your month of overcoming past challenges and letting go of habits and routines that don’t serve you in the long run. Neptune, one of your ruling planets, goes Retrograde this month, and will be bringing your attention to your values and income world during this time. This transit is allowing you to gain clarity on your financial reality, establish greater self-worth and confidence, and get inspired by what is possible for you and your sense of abundance in life.
On July 18, Mercury goes retrograde in your 6th house of health, and you are ready to let go of the daily rituals or working routines that have been limiting your personal growth in some way. It’s time to examine what your body, mind, and soul are asking for right now, and to have the power to let go of what doesn’t resonate with your overall well-being. Before the month ends, Chiron goes retrograde in your 2nd house as well, joining Neptune, and there is a lot of healing to be done this month.
You are being asked to see yourself as a powerful, worthy, and loved being you are, and to know that you deserve to feel good about your life and to feel secure in what you are building for yourself and your future.
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Featured image by Kyra Jay for xoNecole
Skyh Black Says Wife KJ Smith "Saved The Second Part Of My Life"
Before the red carpets, acting gigs, and coupled-up photo ops with his wife KJ Smith, Skyh Black was grinding through self-doubt, LA struggle story, and the kind of inner questioning that has broken the spirit of many Hollywood dreamers.
Most of us might recognize the Miami-born actor for his breakout roles on Tyler Perry’s Sistas and All The Queen’s Men, but for Skyh, the road to success wasn’t easy. On this week's episode of xoMAN, the actor opened up about his Hollywood come-up, what he had to heal to get there, and the woman who not only saw him, but made him feel the safest he's ever felt.
"She Saved The Second Part Of My Life": Skyh Black On Finding Safety In Love
"I love, like that is my lifeline," Skyh said of KJ Smith, his wife and fellow actor. "I really feel she saved the second part of my life."
The two met while filming Sistas, but as Skyh shared with xoMAN host Kiara Walker, their love didn't actually blossom until later. "People think we got together there, but we didn’t even get together—we got together outside," he explained. "At that time, we were both in LA. So she called me right after I booked All the Queens Men. And she said, ‘Hey’—she DM'd me," he laughs. "She slid in the DMs. She did."
Watch the full podcast episode here:
From DMs To Soulmates: How Skyh & KJ’s Love Story Began
That DM turned into a three-hour phone call, a Malibu picnic first date, and the beginning of a love story that’s still unfolding, now with a baby on the way. “She did not let me get none that night,” Skyh joked, “But we have not been apart since the 7th of January. 2021.”
Their relationship, much like their careers, is deeply intertwined. The couple has a coffee brand together (BLACK. Coffee), a production company, and will soon star in an upcoming film. "It's going to be interesting," Skyh said of the forthcoming project. "We know each other so well. And we know each other's weaknesses, and we also know each other-- we're not nice to each other," he laughed. "We love each other too much to be nice to each other... when we're working."
When asked by Kiara if that dynamic ever gets annoying, Skyh didn’t hesitate: "Not at all. I've never met anybody that knows me better than me and knows what's better for me than me."
On How He Knew She Was His One
Skyh Black and KJ Smith
Shutterstock
There’s a depth to how Skyh talks about KJ that feels rare and moving, even from the outside looking in. "That is such a loaded question," he said when asked how he knew she was the one. "I mean, K is like. It's just like, it doesn't not make sense. It's just kinda like, 'That's the love of my life, bro.' I don't know, I just feel so safe."
And it shows. "Every little instance it's like a twinkle in your eye," Kiara pointed out during the interview. "I wish she was here," Skyh said with a smile.
At a time when vulnerability from Black men is still often seen as taboo, Skyh’s transparency is refreshing af. But it also serves as a reminder that real love can be healing, collaborative, and deeply affirming.
And as he enters a new chapter as a husband, actor, entrepreneur, and soon-to-be father (Baby Black is loading), it’s clear Skyh isn’t just surviving Hollywood, he’s building a legacy with his love right by his side.
Want more of Skyh’s love story, career gems, and what keeps him grounded? Catch the full episode of the xoMAN now streaming on Spotify, Apple Podcasts, or YouTube.
Featured image by Shutterstock