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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Kayla Nicole says she wore a dress that was once worn by Braxton herself for the Halloween costume. “It’s not a secret Toni is more on the petite side. I’m obsessed with all 5’2” of her,” she tells xoNecole via email. “But I’m 5’10'' and not missing any meals, honey, so to my surprise, when I got the dress and it actually fit, I knew it was destiny.”
The episode was the perfect way for the multihyphenate to take control of her own narrative. By addressing the viral moment on her own platform, she was able to stir the conversation and keep the focus on her adoration for Braxton, an artist she says she grew up listening to and who still makes her most-played playlist every year. Elsewhere, she likely would’ve received questions about whether or not the costume was a subliminal aimed at her ex-boyfriend and his pop star fiancée. “I think that people will try to project their own narratives, right?” she said, hinting at this in the episode. “But, for me personally – I think it’s very important to say this in this moment – I’m not in the business of tearing other women down. I’m in the business of celebrating them.”
Kayla Nicole is among xoNecole’s It Girl 100 Class of 2025, powered by SheaMoisture, recognized in the Viral Voices category for her work in media and the trends she sets on our timelines, all while prioritizing her own mental and physical health. As she puts it: “Yes, I’m curating conversations on my podcast The Pre-Game, and cultivating community with my wellness brand Tribe Therepē.”
Despite being the frequent topic of conversation online, Kayla Nicole says she’s learning to take advantage of her growing social media platform without becoming consumed by it. “I refuse to let the internet consume me. It’s supposed to be a resource and tool for connection, so if it becomes anything beyond that I will log out,” she says.
On The Pre-Game, which launched earlier this year, she has positioned herself as listeners “homegirl.” “There’s definitely a delicate dance between being genuine and oversharing, and I’ve had to learn that the hard way. Now I share from a place of reflection, not reaction,” she says. “If it can help someone feel seen or less alone, I’ll talk about it within reason. But I’ve certainly learned to protect parts of my life that I cherish most. I share what serves connection but doesn’t cost me peace.
"I refuse to let the internet consume me. It’s supposed to be a resource and tool for connection, so if it becomes anything beyond that I will log out."
Credit: Malcolm Roberson
Throughout each episode, she sips a cocktail and addresses trending topics (even when they involve herself). It’s a platform the Pepperdine University alumnus has been preparing to have since she graduated with a degree in broadcast journalism, with a concentration in political science.
“I just knew I was going to end up on a local news network at the head anchor table, breaking high speed chases, and tossing it to the weather girl,” she says. Instead, she ended up working as an assistant at TMZ before covering sports as a freelance reporter. (She’s said she didn’t work for ESPN, despite previous reports saying otherwise.) The Pre-Game combines her love for pop culture and sports in a way that once felt inaccessible to her in traditional media.
She’s not just a podcaster, though. When she’s not behind the mic, taking acting classes or making her New York Fashion Week debut, Kayla Nicole is also busy elevating her wellness brand Tribe Therepē, where she shares her workouts and the workout equipment that helps her look chic while staying fit. She says the brand will add apparel to its line up in early 2026.
“Tribe Therepē has evolved into exactly what I have always envisioned. A community of women who care about being fit not just for the aesthetic, but for their mental and emotional well-being too. It’s grounded. It’s feminine. It’s strong,” she says. “And honestly, it's a reflection of where I am in my life right now. I feel so damn good - mentally, emotionally, and physically. And I am grateful to be in a space where I can pour that love and light back into the community that continues to pour into me.”
Tap into the full It Girl 100 Class of 2025 and meet all the women changing game this year and beyond. See the full list here.
Featured image by Malcolm Roberson
Contentment. By definition, it’s the state of not only being “satisfied with what one is or has” but also “not wanting more or anything else.” And you know what? Although it might not be a popular aspiration of many, it is a sign of spiritual maturity on certain levels. After all, it is the Apostle Paul who once said, “Not that I speak in regard to need, for I have learned in whatever state I am, to be content…” (Philippians 4:19 — NKJV).
Being content is about not complaining. Being content is about learning to be comfortable in your present circumstances. Being content is about choosing to find joy and fulfillment, on some level, and in some way, on a daily basis.
Personally, I dig all of this so much because when you have mastered true inner contentment, it creates stability, self-awareness, and a type of resilience that makes you…shoot, powerful beyond measure, if you ask me. Because when someone knows how to “find the good” and “make peace,” regardless of what is going on around them, they truly are unstoppable. Yeah, on so many levels, contentment is the ultimate life hack. It’s something that each and every one of us should aspire to become: completely and genuinely content.
Thanksgiving is basically moments away at this point. In preparation for that time of self-reflection, pour yourself a glass of wine, turn on some soft music, sit on your coach, and then ask yourself, “Am I content?” If you’re not sure (or you need the definition unpacked for you just a bit more), here are seven signs that you may not be…and yet, there is no time like the present to do something about it.
1. You’re Super Impatient
GiphyHonestly, putting another Scripture right here could be all that is needed in order to bring this point to a swift and abrupt end. Which one? I Corinthians 13, the Love Chapter, starts off with “Love is patient” (I Corinthians 13:4). Yeah, if you want to know if you love yourself and love yourself well, how patient are you…including with yourself? Throughout the years, I have shared one of my favorite definitions of "patient" in several different articles: “bearing provocation, annoyance, misfortune, delay, hardship, pain, etc., with fortitude and calm and without complaint, anger, or the like.” For me, it’s a blaring reminder that mastering patience isn’t just about waiting (more on that in a sec); it’s about waiting with grace.
Content people can do this because, on some level, they know how to apply the John Piper quote, "God is always doing 10,000 things in your life, and you may be aware of three of them." Another way of looking at this is people who can wait well — without complaining or getting annoyed by delays or challenges in the meantime — get that in order for things to truly come together, there are lots of moving parts…some that they don’t even know about. And so, if they want the best outcome, yes, waiting well is oftentimes not just involved; it is required.
Impatient people don’t get any of this. That’s why they are so stressed out all of the time.
2. You’re Worried About Things You Can’t Control
GiphyThis. Past. Election. Chile. And then the cabinet that that man is putting together as we speak? I don’t even want to get my blood pressure up, expounding on it. Let me just pivot by adding one more Scripture — because it is beyond fitting: “Therefore do not worry about tomorrow, for tomorrow will worry about its own things. Sufficient for the day is its own trouble.” (Matthew 6:34 — NKJV)
Although worrying is something that pretty much everyone does at one point or another, one of my favorite quotes on it is by an American humorist by the name of Erma Bombeck: “Worry is like a rocking chair: it gives you something to do but never gets you anywhere.” And really, when you stop to really think about worrying, isn’t that the truth? For one thing, all worrying does, by definition, is cause you to torment yourself by focusing on things that aren’t even going to happen (somewhere between 85-90 percent of the time, in fact; there is actually a science on that) or trying to control things that are beyond your control.
If being a worry wart is your internal struggle, my advice would be to look at life this way: If you’re worried that you’re about to get written up for getting to work late again, leave your house earlier — you can control that. On the other hand, if you’re worried that you’re going to get laid off before the holiday season ends, so long as you’ve been doing your best (which is also something that you can control), please put your energy elsewhere because that is something that you can’t control.
And I promise that when you choose to be calm and confident over worrying yourself to death, that can help you to manage what you can’t control so much easier. Oh, and your health will thank you, too, because worry is attached to things like insomnia, muscle tension, headaches, overeating, and drinking too much. All this over things that probably won’t happen in the first place? Yeah, sis…(choose to) relax.
And by choosing to chill out, there is some contentment that follows because you will see the good as much as, if not more than, the potential bad. Trust me.
3. The Past and/or Future Consume You
GiphyOn the heels of the Scripture that I just provided for the previous point, it also applies to this one. You know, back when I was doing some intentional research on forgiveness, I always appreciated the insight of author Gary Zukav: “Forgiveness is accepting that the past cannot change.” While this doesn’t mean that you shouldn’t hold people accountable for what they have done, it does help you to be compassionate with those who are truly sorry (check out “Heads Up: It's NOT An Apology If An Amend Isn't Made”) because, no matter what has transpired between you and them, one thing they can’t do is go back into a time machine and change it.
And you know what? When it comes to the mistakes — or, let’s be real, sometimes they are conscious poor decisions — you have made, you can’t either. So, why let their misdeeds or your own consume you to the point of internally destroying you?
Then there’s the future. What if you get robbed? What if your mom gets cancer? What if your husband files for divorce? Girl, if you are caught up in the future that hasn’t even happened yet, you are definitely gonna drive yourself up the wall! And this is why so many mental health experts and platforms are all about encouraging individuals to live in the moment. You can do this by meditating, taking breaks from social media (and the news), journaling, doing things that you enjoy (instead of waiting to put them off), and resting.
Listen, one of the best things about choosing to only focus on the here and now is you can find little things about it to be content with — and that helps you to be/become more content overall.
4. You Always Think About Wanting More
GiphyAlthough it certainly wasn’t my plan for this piece to be so Scripture-heavy, I’ve got to flow with what immediately comes to mind and, for this point, the verse, “So are the ways of everyone who is greedy for gain; It takes away the life of its owners” (Proverbs 1:19 — NKJV) is it. And just what does it mean to be greedy? A greedy individual isn’t just low-key obsessed with getting and having more — please catch it — they are also quite EAGER.
Eager folks also tend to be impatient. Eager folks are perceived by others as being very intense (and not in a good way). More times than not, eager folks haven’t really mastered how to take a moment to appreciate what they do have because all they care about is what’s next. And when you’re in a state of that kind of, well, anxiety…how could it not affect your quality of life? I mean, really.
And what if you read all of that and said, “I’m not greedy; I’m just ambitious” — listen, there is nothing wrong with having goals and wanting to obtain them. However, an ambitious individual knows how to find balance. If they get a promotion, they will schedule a vacation to celebrate it. If they just got a new car, they are not in a rush to get a new house until they can financially afford it. If they were just proposed to with a really nice ring, they aren’t hounding their new fiancé about setting a date within the next two weeks.
People who always want more, without taking the time to enjoy what they already have, are never going to be content. Why? Because there is always something else that you can want…even if you don’t need it or it really isn’t the time for it. Meanwhile, content people get that it’s a good thing to not go after everything all of the time; that it’s far wiser to embrace what is already before them — because some folks don’t even have…that.
5. You Compare Yourself to Others
GiphySomething that I actually get asked fairly often is, do I feel “some type of way” that I do so much work in the realm of marriage when I’ve never been married myself. The short answer is “absolutely not” because I know that I could’ve been married, a few times over, at this point; however, I am just as intentional about not wanting to be divorced as I am about being in a healthy marriage, not just “a marriage.”
I’m grateful to be in that head and heart space too; otherwise, I would be out here comparing myself to other people — and there is nothing good, healthy, wise, profitable, or beneficial about doing that. In fact, science isn’t a fan of playing the “keeping up with the Joneses” game, either.
According to science, that can ultimately do things like lower your self-esteem, cause you to only see the bad/negative things in your world (in comparison to other people), and it can jack up your perception of what’s really going on with other people. For instance, if you’re 33 and comparing yourself to your friends who are already married and parents, you might want to talk to them about what their day-to-day, beyond their IG posts, is like.
Because while prayerfully, their life is filled with many blessings, if they are being totally honest with you, they will also share that you’ve got some “pros” to your life too (honey, there are some real benefits to being single; check out “If You're Not In Love With Being Single, Ask Yourself These 6 Questions.,” “10 Bona Fide Benefits Of Being Single,” and “10 Words That'll Make You Totally Rethink The Word 'Single'”). Content people get that every season does — because it’s true.
6. You Don’t Verbalize Gratitude Often
GiphyThere is someone in my world who I actually try to avoid as much as possible. It’s not that she’s not smart, and honestly, she’s one of the funniest individuals that I’ve ever known (and I’ve known her for most of my adult life). It’s just that…she is always wanting something, and I find that to make her a very draining individual. Lawd, even as I am typing all of this out, I’m trying to recall a time when I’ve heard her say, “thank you” for something (no joke), let alone express any form of genuine gratitude. She’s just got such a sense of entitlement that whatever she does receive, she thinks she’s owed and what she doesn’t have, she believes that something is wrong if it hasn’t arrived yet. Geeze, what a horrible type of existence.
You don’t have to take my word for it either because there is plenty of data out here to support that people who don’t take the time to be grateful for what they have ended up being unhappy, more stressed out, in more physical pain (yes, literally) and definitely more negative than everyone else — which would explain why people don’t like hanging out with them as much.
So, since this is the time when gratitude is the theme of the season, think about what you are grateful for when it comes to what you’ve accomplished this year, then write it down and post it up somewhere. Then, as far as the individuals, for whom you are grateful for — send them a handwritten note, get them a gift card to their favorite coffee shop, or even just call to tell them.
One of the most beautiful things about being in a state of contentment is it reminds you of a lot of what you already have. It really is enough…for now…in this very moment.
7. Being (and Living) Satisfied Is a Foreign Concept to You
Giphy“Tubi movies” really is a complete sentence. LOL. And yes, sometimes, when I’m taking a writing break, I will check out some of the most…I-wouldn’t-normally ones, just to lend my support. In walks Never Satisfied with its own self-explanatory meaning. Y’all, it really is oh so true that there are folks out here dealing with some unpredictable and sometimes even truly dire consequences — and it’s all because they didn’t know how to sit down somewhere and learn how to be satisfied with the people, places, things, and ideas that they already have.
That said, I am indeed a quotes gal, and one of my favorites on the topic of satisfaction is by actor Christopher Reeve: “Success is finding satisfaction in giving a little more than you take,” and although I don’t do what I’m about to do often (because I try to take Matthew 6:1-4 very literally and seriously), I’m going to illustrate what he said about satisfaction by sharing a recent situation.
This past week, a nurse practitioner (I prefer those to doctors) diagnosed me with wrist tendonitis for the first time in my life. If you knew how many keystrokes that I do a day, you’d probably be shocked that it took this long. Anyway, as I was waiting in line to get a prescription, a young Black man was basically freaking out because his insurance was refusing to cover his own meds. According to what he was telling the pharmacist, he always only pays $5; however, this time, they were charging $62, he simply didn’t have it, and the insurance company was not picking up.
As I watched him shaking and sweating while saying that he really needed it today and fretting while talking to his mom on the phone, I offered to cover it — and after going back and forth with him for about three minutes, I did. In my mind, although I didn’t plan on spending about $85 (total) that day, the little inconvenience that it was costing me was nothing in comparison to how much it was going to benefit him — I could tell from how he and his mother reacted (even the pharmacist mouthed “thank you so much”), and that is what made it money well spent.
To help someone who had no way of helping themselves in the moment? That brought me a lot of satisfaction because it’s nice to lighten someone’s load while leaving it to karma to handle it. ALL OF IT.
And that’s why I thought it was best to wrap all of this up with a reminder that being satisfied is being content. And when you can be so satisfied with your life that you want to help others? That is a level of contentment that is truly unmatched because you start looking for ways to bless others simply so that they can feel just as content as you do.
____
Our culture? It really is never satisfied, which explains why a lot of people are so miserable. SMDH. You don’t have to be like the masses, though. This Thanksgiving, please purpose in your mind (and heart) to be(come) more content. It will make you a rare gem that benefits everyone and everything around you.
Including yourself, sis. No doubt about it.
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Featured image by Shutterstock
Originally published on November 28, 2024