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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
How This New Bond Repair Line Transformed One Mother's Postpartum Shedding Into The Ultimate Curl Comeback
This article is in partnership with SheaMoisture
For Crystal Obasanya, her wash day woes came shortly after her son did. The beauty and lifestyle content creator had been natural for years, but during postpartum, she quickly learned about one reality many mothers can relate to experiencing: postpartum hair loss. “Sis had thinning hair. Sis had split ends,” she shared about her hair changes in a Reel via xoNecole.
Over a year into her postpartum journey, Crystal explained she also had dry, brittle hair, noting that keeping it hydrated before pregnancy had already been “a task.” The 4C natural recalled going from thick hair during pregnancy to a thin hairline due to postpartum shedding as “devastating.” When it came to strengthening and revitalizing her hair, the new SheaMoisture Bond Repair Collection was just the thing she needed to elevate her damaged coils to revive and thrive status and get them poppin' again.
SheaMoisture is providing us with the cheat code for transforming dry and damaged strands into thriving and deeply nourished crowns. By unveiling their 4-step hair system, the SheaMoisture Bond Repair Collection is equipping you with the tools to reverse signs of hair damage caused by protective styling, heat, and color and is uniquely formulated for Type 3 and 4 hair textures.
The haircare system revives damaged natural hair by repairing and rebuilding broken hair bonds through a game-changing combination of HydroPlex Technology and AminoBlend Complex, a unique blend of fortifying amino acids formulated specifically for curly and coily hair. Scientifically proven to reduce breakage by 84% and make your hair six times stronger (vs. non-conditioning shampoo), the collection infuses your hair with the nourishment it craves and the strength it deserves.
All five products of the SheaMoisture Bond Collection are infused with natural strengthening ingredients like Amla Oil and fair-trade shea butter. The collection consists of the 4-step breakage-fighting Bond Repair system, as well as the Bonding Oil.
“When trying it out, I quickly noticed that my hair felt revived and renewed, and my curls were so hydrated,” Crystal said while using the Amla-infused Bond Repair Leave-In Conditioner. “I also felt my hair strands were stronger.” So much so that the influencer felt brave enough to get her hair braided shortly thereafter. “I can definitely say that I will be keeping it in my hair wash routine,” she added in the caption of her Reel about her positive experience using the products.
SheaMoisture Bond Repair Collection is making bond-building a key player in your wash day routines and the purveyor of life for thirsty manes. Because who doesn't want stronger, shinier, happier hair?
Step One: Bond Repair Collection Shampoo
Rejuvenate your hair with SheaMoisture Bond Repair Shampoo, your go-to solution for luscious locks. Packed with hella hydration power, this shampoo adds moisture by 60% while removing buildup without stripping your strands. This shampoo gently cleanses impurities while significantly enhancing shine, smoothness, and softness.
The Bond Repair Collection Shampoo is the first step in the 4-step Bond Repair system, all of which are powered by the uniquely formulated AminoBlend, and HydroPlex, SheaMoisture’s technology that rebuilds hair strength at its core.
Step Two: Bond Repair Collection Conditioner
Tailored to repair styling damage, this creamy conditioner locks in 12x more moisture than standard non-conditioning shampoos, boosting damaged hair strength by 1.5x with significantly less breakage. The creamy SheaMoisture Bond Repair Collection Conditioner deeply hydrates, enhances manageability, and leaves your hair looking healthier and shinier.
Step Three: Bond Repair Collection Masque
This Ultra Moisturizing reparative masque is a moisture-rich game-changer for those dealing with the aftermath of hair damage caused by styling. The SheaMoisture Bond Repair Collection Masque delivers 13 times more moisture compared to non-conditioning shampoos, ensuring your hair feels nourished and soft. Designed to repair and rejuvenate, this masque significantly strengthens damaged hair — making it twice as strong while reducing breakage.
Step Four: Bond Repair Collection Leave-In Conditioner
Elevate your curl game with SheaMoisture’s Bond Repair Collection Leave-In Conditioner. Lightweight and hydrating, the Bond Repair Leave-In Conditioner provides 12x more moisture than non-conditioning shampoos and tames frizz with 24-hour humidity control. Designed to define curls and coils, the leave-in conditioner enhances softness and shine allowing you to detangle effortlessly.
Bonding Oil
The SheaMoisture Bond Repair Collection Bonding Oil is a multitasking all-in-one formula that acts as a heat protectant and provides the hair with moisture, strength, shine, damage protection, and intense nourishment. This lightweight oil not only offers 24-hour frizz and humidity control but also fortifies your tresses, making them up to 5 times stronger with significantly less breakage.
Featured image courtesy
10 New Moms Share What They Wish They Knew About Sex Post-Delivery
Back when I was the teen mom director for the local chapter of a national non-profit organization, I decided to become a doula. One reason was that I couldn’t stand how disrespectfully dismissive a lot of doctors were towards pregnant teenagers (how you gonna pre-schedule C-sections in girls who are in their first trimester?). My second reason was to do some healing from my own past pregnancy choices (check out “Why I Named The Children I Aborted”). Over time, another reason was that when a woman has a child, she needs support for more than just birthing her baby.
Take her sex life, for example. Although some women have a pretty thriving sex life throughout their pregnancy and, after their six-month check-up, they resume having sex relatively smoothly then as well, for other women, their experience is quite different. And because sex, post-delivery, still (amazingly) remains a taboo topic on a lot of levels, other (new) moms suffer in silence because they feel like they are alone.
That, right there, is why I decided to sit down with some mothers to have them share what they wish someone had given them the heads up on when it comes to sex after having a child. If you are a mom who’s having some challenges in the bedroom, hopefully, this will assure you that others get exactly where you are coming from. If you’re not a mom (yet), my goal is that you can get an idea of some things that could possibly happen — so that you can surround yourself with the support that you need (i.e., a girlfriend, some other new moms, even a counselor, if necessary). That way, you can do what needs to be done to get your sex life back (or right) to where you want it to be…in time.
*Middle names are used in this type of content so that people can speak freely*
1. Bevelynn. 28. Mom of a Six-Month-Old Daughter. First Child.
“The weirdest thing for me is there are certain positions that can always make me cum that were super uncomfortable throughout most of my pregnancy. So, it felt like I was having sex for my partner instead of with him. Then, after having the baby, my man was so used to hurrying through sex because that’s how I was while pregnant that he felt self-conscious that I was trying to ‘coach him’ through foreplay like he wasn’t a good lover.
"You know how they say that sex, after abstinence, is like riding a bicycle? The hell you say! There was a lot to relearn that it was almost like having sex for the first time again. Pretty much a year of sex being one way and then adjusting to something else will do that to you. We’re still figuring it out.”
2. Embree. 34. Mom to a 11-Month-Old Son. Third Child.
“I never had postpartum depression, thank God. I did go through a long sex lull. I love my babies, Lord knows that I do, but you don’t really get just how much sex creates them until you have them, if that makes sense. Being a mom is fulfilling and draining — any woman who says otherwise isn’t taking her role as seriously as she should. And when you sit and realize that kids can’t exist without sex, you have moments when you’ll avoid having it at all costs because you don’t want to risk what comes from it — another baby. And that’s just the truth.”
3. Gail. 37. Mom to a Four-Month-Old. Third Child.
“Please don’t give your husband a hard time about getting used to your new body and hormonal changes during sex. It might be popular to act like men shouldn’t have a say in giving birth or what comes with it, but science says otherwise, and while they’re supporting you through your changes, they might end up going months without intimacy — no man wants that. The more talks [that] you have about sexual needs and expectations before getting pregnant, the better. Remember that he is a part of all of this, too.”
4. Quincee. 32. Mom to a One-Year-Old Daughter. First Child.
“I was told that I should get a doula before having my daughter, and I should’ve listened because it makes no sense to push out a baby on your back. My friends who had doula assistance learned positions that were way more helpful. Since I didn’t and my daughter, although I love her dearly, has a really big head, I tore pretty badly. The healing process was borderline hell but, more than anything, I had some PTSD about allowing any — and I do mean anything — from going into my vagina.
"I don’t care if it was a penis, a sex toy, or even a tampon, I was traumatized. Get those perineal massages before giving birth, squat during labor, and get a man who loves oral sex, both ways, so that you both can get through the adjusting. That’s the best advice that I can give on it.”
5. Francis. 30. Mom to a Seven-Month-Old. Second Child.
“You might need to see a sex therapist after having children. It might sound crazy, but no one talks about how having a baby changes everything about you — every single thing. My husband has always been able to please me, and he’s not small in the least, but after having our first child, my vagina never felt the same. That kept me from feeling the same pleasure, which made me want to have sex less and even resent him for not being able to please me like he used to.
"We tried to figure it out on our own, but that started to affect his self-esteem, and then we weren’t having much sex. My girlfriends had some of the worst advice, so I spoke with a marriage counselor who referred me to a sex therapist who helped me to understand the transitions of motherhood, sexually. It’s one of the best things that happened to our relationship. My best advice is nothing is fully ever the same after a baby — sex, for me, was on top of that list.”
6. Erda. 25. Mom to a Three-Month-Old Son. First Child.
“Being a mom is hard as sh-t — do you hear me? I am terrified of getting pregnant. I don’t mean any time soon; I’m contemplating being done forever because my pregnancy was difficult, and my son thinks that we all should be up all day and all night long. People keep telling me that this will pass, but until it does, whenever I see my husband’s penis, it’s like ‘enemy #1’ in my eyes. We can do some oral action; I’ve always been about that. But if he wants to put that thing in me, I always want him to put on three condoms — I’m NOT playing.”
Shellie here: As a doula, I’ll be checking back on her in six more months or so. Something tells me that this will have a bit more balance in the narrative. Those first few months can be a mutha, indeed.
7. Laurelle. 39. Mom to a One-Year-Old. Fourth Child.
“Even after having four kids, I never got used to my breasts being available to everyone. Mine, then my husband and mine, and then, for a season, my kids — and then sometimes everyone’s. Our two first children were less than two years apart, so I swear that my husband didn’t get to touch my breasts for like three years straight…and he’s a breast man! I don’t think anyone can fully prepare you for how to be a momand a sexual being at the same time. It’s one of the hardest things about motherhood to date.”
8. Iris. 30. Mom to a One-Year-Old. Second Child.
“Your erogenous zones might change. Mine did. I used to not be a breast person, but I started having orgasms while breastfeeding, which kind of creeped me out but then it made me want my breast played with more than ever during sex with my man. The other thing is my thighs got pulled on a lot during labor, and so, I’m kind of jumpy when my fiancé reaches out for them now — and he’s a thigh man. Having a child isn’t just a miracle because of the baby. Being able to figure out a new normal in the bedroom is a miracle, too, sis.”
Shellie here: If you can relate to what Iris just said about climaxing while breastfeeding, there is no reason to feel embarrassed or guilty.Breastfeeding tends to produce some of the same hormones that come from sexual stimulation — for instance, remember that oxytocin is a bonding chemical.It’s for this same reason that you might produce extra milk when you orgasm after having sex with your partner. It’s natural. It also tends not to last forever. It will usually pass.
9. Hope. 32. Mom to a Four-Month-Old. Second Child.
“The talk about the whole ‘Madonna-Whore’ thing that men may go through — you know, how once you become their wife or mother of their child, they have a hard time seeing you as a sexual being. Some of us go through that, too. I don’t have hang-ups about sex. I’m just not as nasty as I used to be. My body is used for so many different things now, and the fluids get all mixed in together — I dunno. Sometimes, when I’m about to show my porn side, I’m like, ‘Hold up — is this appropriate? I’m a mother now. It’s so complex, honey.”
10. Tateyana. 27. Mom to a Nine-Month-Old. First Child.
“I was told to get a co-sleeper and keep our baby out of our bed. I didn’t listen. I wish I had because now our bedroom is more like a nursery/daycare and it’s harder than ever to keep our son out of our bed — emotionally. My husband is patient; sometimes, he’s the one who wants our son to stay in the bed but we know that sex is an important part of marriage and we certainly didn’t sign up to be co-parents who are roommates. When they say that the bedroom is for sex and sleep only, the sleep part really shouldn’t be your children. They’ve got a room. They’ll be fine in there. We’re trying to wean him off now, so I’m preaching to the choir here. Sex after babies…it’s just so much.”
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Sex after babies…it’s just so much. As you can see, sex, post-delivery can be layered, complex, and sometimes challenging. Still, if you have a partner who is understanding, if you’re patient with yourself throughout your transitions, and if you get that healthy intimacy has a mental, emotional, and spiritual component that can get you through all of the physical “growing pains” that you may be experiencing — sex after having a child can become richer, closer and even better with time.
After all, a new normal? Sometimes, it exceeds what you’ve been accustomed to.
And isn’t that something to look forward to when it comes to post-delivery intimacy? Definitely.
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