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
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It's easy for couples to fall into a routine, going through the motions and letting their connection sit on autopilot. While comfort is natural in a long-term relationship, it’s important to remember: that what you don’t nurture, eventually fades. So, why not make 2025 the year you reset your relationship? Here’s how to start the year with a renewed bond, reigniting the spark that brought you together.
Step 1: Schedule Your Reset Meeting
The first step to hitting the reset button is a State of the Union meeting with your partner. This is your chance to take a pulse on the relationship, discuss what's working, and identify areas that need attention. It’s all about creating space to reflect, without distractions.
Grab a pen and paper (or open a shared note on your phone) and come prepared to share your top 2-3 desires for your relationship.
What do you both want to feel more of in 2025? Maybe it’s feeling more appreciated, or perhaps you want to reignite the passion you had when you first started dating. Whatever it is, get clear about it, and make sure both of you are on the same page.
This isn’t just about listing your own wants, it’s also about discussing ways to nurture each other’s needs. Relationship goals should be focused on fostering deeper intimacy, trust, and mutual respect. Use this time to check in, not only with each other but with your individual feelings and expectations. Set the foundation for a fulfilling year ahead.
Alistair Berg/Getty ImagesStep 2: Set A Date (Or Multiple!)
Having the meeting is only the first step. Now, it’s time to take action. One of the simplest ways to breathe new life into a relationship is by reintroducing consistent, intentional time spent together. For many couples, life gets busy, and date nights fall by the wayside. But dating doesn’t stop when you say "I do"—in fact, it’s even more essential.
During your reset meeting, lock in a regular date night that works for both of your schedules. This could be a weekly dinner date or an every-other-week adventure—whatever keeps things fresh. The goal is consistency. It’s easy to push date nights aside when life gets hectic, but if you set a specific date each week or month, you’re making your relationship a priority.
If you’re unsure what to do for your date nights, don’t worry! The key is creating new experiences together. This is what sparks excitement and brings you closer as a couple. Whether it’s cooking a new recipe together, trying a dance class, or exploring a nearby town, it’s about creating shared memories that build your connection.
Getty ImagesStep 3: Find an Accountability Partner
Just like you might have a personal trainer to help you crush your fitness goals, an accountability partner for your relationship can do wonders for keeping both of you on track. Consider hiring a marriage coach or therapist—someone who can meet you where you are and guide you in strengthening your relationship.
When selecting a professional, it’s important to choose someone who truly wants the best for your marriage and can provide actionable advice.
Don’t be afraid to set high standards for your relationship, and seek guidance on how to keep it thriving for the long haul. In your reset meeting, discuss your commitment to growth, and be honest about areas where you may need support.
Marriage isn’t a set-it-and-forget-it endeavor—it’s an ongoing process. Regular check-ins with a professional can help keep your relationship in tip-top shape and “divorce-proof” by addressing issues before they become insurmountable.
DMP/ Getty ImagesStep 4: Try Something New Together
Stale routines can easily make a relationship feel monotonous. Spice things up by trying something new! Couples that explore new activities and create new memories together have stronger, more fulfilling bonds.
My husband and I host one of the top luxury marriage retreats, A Weekend For Love, designed to help couples experience new things together. From couples' workshops to outdoor adventures, the retreat provides a platform to rediscover each other and reconnect on a deeper level.
The element of surprise can reignite your connection. It’s exciting, fresh, and shows your partner that you’re committed to growing together. This doesn’t have to be a huge commitment—it could be as simple as trying a new hobby or planning an impromptu weekend getaway.
Your Relationship Should Be A Priority
As you start the year with personal goals in mind, don’t forget the importance of nurturing your relationship. It’s easy to get caught up in work, fitness, and family obligations, but your bond with your partner deserves to be at the top of your list. Resetting your relationship offers an opportunity to reignite that spark and remind each other why you fell in love in the first place.
In 2025, make a commitment to prioritize your partnership, to nurture it daily, and to invest in its growth. Take time to celebrate each other’s victories, support one another’s dreams, and build a foundation of love and respect. When you start the year with a clear focus on your relationship, you’re setting it up for success.
So, before you start mapping out your new workout plan or work goals, do yourself a favor: put your relationship at the top of that list. Your love story deserves a fresh start, too.
Happy New Year, and here’s to a love-filled 2025!
Couples, if you are ready to do the work and invest in your relationship register for A Weekend For Love: Heart Retreat Feb 21-23, 2025.
Featured image by zamrznutitonovi/Getty Images
What I mean is, if you are someone who likes to sit down and come up with resolutions for the new year, when it comes to your sex life, what exactly are you resolving to do? What sex-related goals do you actually have? Because if you don’t know and you kind of just let life “happen to you,” the way you end 2025 may not be the way you planned…because there never was a plan in place.
All of this is why I decided to ask 10 single women to pause, ponder, and then produce a semi-formal sex plan that they would be willing to share with y’all. Although a few of them were taken aback by my request at first, by the time they gave me their answer, each woman found it to be something that they would be doing annually moving forward — because, like everything else in life, knowing what you want out of sex, for yourself, is essential. And you certainly increase your chances of getting what you desire…when there is a plan in place.
*Middle names are always used in these types of interview pieces so that individuals can speak freely*
1. Hannah. 28.
Giphy“Girl, my sex plan is to stop having sex with my ex-fiancé. When we broke off our engagement 16 months ago, I’m not sure if either of us thought that we’d keep having sex like we were still together. But who wants to keep racking up bodies or risking getting an STD? Plus, the sex with him? I have never had it so good and so consistent. But when you asked me about putting a ‘sex plan’ together, and I really thought about how our relationship has no future — I accept that I need to let that last part of us go. Otherwise, I could date someone and still be having sex with my ex. I’m not going to tell him [her ex] about my plan until after our date on New Year’s Eve. Don’t judge me. I’m a work in progress!”
Shellie here: Check out “You Love Him. You Prefer Sex With Your Ex. What Should You Do?”
2. Alexie. 34.
Giphy“I’m gonna have me some multiple orgasms, dammit! I am so tired of reading about them and not being able to relate. I think women have been conditioned to think that even getting one is something that we should be grateful for — you know, kind of like that Salt-N-Pepa brag about getting knocked out for the night after one ‘shot.’ No ma’am. I wanna know what it’s like to cum, pause, cum again, pause, and cum again. I’m going to make that my mission for the entire year. I’ll let you know how it goes.”
Shellie here: Check out “How To Have Mind-Blowing Multiple Orgasms. Tonight, Chile.”
3. Thalia. 27.
Giphy“I want to learn how to enjoy oral sex more — not giving, receiving. I’ve always liked the power that comes from giving a man head, but I haven’t met a guy who makes receiving it feel as good as my girlfriends talk about. Whenever it happens to me, I feel annoyed; it’s almost like a dog is licking on me or something. Everything just feels wet, sloppy, and aimless. I’ve got a guy friend who says that he can get me what I’m after. I’m considering him because I’ll be damned if I’m out here giving out all this good head, and I end up dying not knowing what everyone else is even talking about!”
Shellie here: Check out “Sooo...What If You HATE Oral?” and “Okay. So, This Is Why Oral Sex Is Probably Not Satisfying You (Fully).” and (just in case) “How To Preserve Your Friendship After BAD Casual Sex”
4. Icelynne. 30.
Giphy“‘Get over a man by getting under a different man’ is some bullsh-t. All you do is up your body count. The guy I’ve been seeing, the kissing is good but the sex isn’t that great, but I really like him. In the past, I would just move on, but now that you ask me to come up with a plan — I think the plan is to try and make sex better. You get older, and you realize that sometimes you ‘click’ immediately with someone, and sometimes, you need to be more patient. It’s not that the sex is bad, it’s just that I’m used to good sex being easier. Learning to talk about my needs and working with someone to meet them — that’s the plan for next year.”
Shellie here: Check out “Do You Lie About Your Body Count? Here's Why You Shouldn't.,” “6 Things About The Whole 'Body Count' Debate That Should Be Discussed” and “Is There REALLY Such A Thing As 'Bad Sex'?”
5. Gabriella. 45.
Giphy“I’m sick of reading about all of the different kinds of orgasms that you can have and barely knowing what a [clitoral] one feels like. If I can have a nipple orgasm, then I’m going to have one. And I can have one by myself? In my sleep? [Shellie here: Yes, sleep orgasms are an actual thing] And what’s this, you can come just from someone kissing you, right? What the f-ck?! I’m on mission to be able to say that I’ve had every type of orgasm there is. The interviewing process for this mission is about to be so funny, too. I already know.”
Shellie here: Check out “U-Spot Orgasm, Fantasy Orgasm & 6 Other Orgasms You Should Try Tonight”
6. Terrika. 33.
Giphy“I’m leaving faking orgasms in my rearview mirror. It doesn’t help anything. All it does is make men think that they’ve accomplished something that they haven’t and make me resent them for doing it. I hate to say it, but I’ve been acting like I’ve cum for so long that I can’t even remember the last time that I’ve had a real orgasm — oh, yes, I can, and it was two damn years ago! I think because I like sex, even if I don’t cum, is why I’ve put up with it for so long. I’m not getting any younger, and I need to make sure I end up with a man where I don’t have to do any pretending. 2025 is going to be my year. I am speaking it into existence!”
Shellie here: Check out “Why You Should Stop Faking Orgasms ASAP” and “So, 10 Women Sat Down And Told Me Why They Fake Orgasms...More Times Than Not”
7. Persephone. 38.
Giphy“I want to experience sexcations all over the world. I find it fascinating how much sex gets better for me whenever I’m in a new environment. If that can happen just with a different hotel or an Airbnb, I can only imagine what it would be like to make love in London, Cape Town, or Barcelona. It’s also sexy to get to know someone better in a different space. I met a guy [last year], and our connection is strong. We’ve been talking about stamping our passports together. We haven’t had sex yet. I think an international sexcation being our first time, would be perfect for the new year.”
Shellie here: Check out “Married Couples, It's Time For A Sexcation!” and “This Is How To Create The Best Kind Of ‘Sex Bucket List’”
8. Evelyn. 29.
Giphy“I want to know what ‘making love’ feels like. Is that weird to say? Coming into sex, I was what my friends say is a ‘late bloomer’ because I didn’t have sex until my junior year [of college]. It wasn’t random, but it wasn’t with a guy who I loved — well, I loved him as a friend and still do, but it wasn’t a romantic type of thing. I was curious and trusted him to try it out. I don’t regret that, but since, there have only been a few others, and the pattern has been the same: sex with friends and nothing mind-blowing. [In 2025], I want to wait until I’m in a serious relationship and then have sex. I keep hearing that love-making is the best. I have no clue. Would like to know.”
Shellie here: “Unforgettable: 10 Men Open Up About That 'One Experience' They'll Never Forget”
9. Tamiko. 41.
“I want to take a break [from sex]. During my marriage, we had so many sex problems that once we divorced, I definitely made up for lost time. It was mostly because I felt like I was being ‘sexually gaslit’ by my husband — like I couldn’t get the sex that I was after, and it was my fault. Now that I know that it wasn’t a ‘me problem,’ it was an ‘us issue,’ and I’ve gotten all of my ‘itches scratched,’ I’m ready to learn some other things that make me tick outside of the bedroom. I’m not necessarily declaring abstinence for a year, but I am done with my nothing-more-than-sex quest. Next time, it will be someone who gets me excited in more than just the bed.”
Shellie here: Check out “I've Been Abstinent For 12 Years. Here's How.” and “6 Genuine Signs You're Making An Emotional Connection With Your Sex Partner”
10. Lana. 51.
Giphy“My plan is to be more open-minded — not so much when it comes to my standards for a partner but the things that I’m willing to do sexually. I’m not the most conservative person on the planet, but when it’s always in the back of your mind that you can get pregnant, that can make you more cautious. I’m on the tail end of menopause now, so I suddenly feel more adventurous. With a steady sex partner, I’m ready to try whatever and do whatever. Sex that exceeds anything I’ve done before…that is my 2025 plan, girl. Let’s go!”
Shellie here: Check out “What Having Sex After Menopause Is Like, According To 10 Women”
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Featured image by Bob Thomas/Getty Images