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
In a xoNecoleexclusive, the iconic actress opens up about embracing this season of her life, new projects, and overall being a “bad motherfucker.” Gabrielle reveals that she was 37 years old when she was diagnosed with perimenopause and is still going through it at 51 years old. Mayo Clinic says perimenopause “refers to the time during which your body makes the natural transition to menopause, marking the end of the reproductive years.”
“I haven't crossed over the next phase just yet, but I think part of it is when you hear any form of menopause, you automatically think of your mother or grandmother. It feels like an old-person thing, but for me, I was 37 and like not understanding what that really meant for me. And I don't think we focus so much on the word menopause without understanding that perimenopause is just the time before menopause,” she tells us.
Gabrielle Union
Photo by Brian Thomas
"But you can experience a lot of the same things during that period that people talk about, that they experienced during menopause. So you could get a hot flash, you could get the weight gain, the hair loss, depression, anxiety, like all of it, mental health challenges, all of that can come, you know, at any stage of the menopausal journey and like for me, I've been in perimenopause like 13, 14 years. When you know, most doctors are like, ‘Oh, but it's usually about ten years, and I'm like, ‘Uhh, I’m still going (laughs).’”
Conversations about perimenopause, fibroids, and all the things that are associated with women’s bodies have often been considered taboo and thus not discussed publicly. However, times are changing, and thanks to the Gabrielle’s and the Tia Mowry’s, more women are having an authentic discourse about women’s health. These open discussions lead to the creation of more safe spaces and support for one another.
“I want to be in community with folks. I don't ever want to feel like I'm on an island about anything. So, if I can help create community where we are lacking, I want to be a part of that,” she says. “So, it's like there's no harm in talking about it. You know what I mean? Like, I was a bad motherfucker before perimenopause. I’m a bad motherfucker now, and I'll be a bad motherfucker after menopause. Know what I’m saying? None of that has to change. How I’m a bad motherfucker, I welcome that part of the change. I'm just getting better and stronger and more intelligent, more wise, more patient, more compassionate, more empathetic. All of that is very, very welcomed, and none of it should be scary.”
The Being Mary Jane star hasn’t been shy about her stance on therapy. If you don’t know, here’s a hint: she’s all for it, and she encourages others to try it as well. She likens therapy to dating by suggesting that you keep looking for the right therapist to match your needs. Two other essential keys to her growth are radical transparency and radical acceptance (though she admits she is still working on the latter).
"I was a bad motherfucker before perimenopause. I’m a bad motherfucker now, and I'll be a bad motherfucker after menopause. Know what I’m saying? None of that has to change. How I’m a bad motherfucker, I welcome that part of the change."
Gabrielle Union and Kaavia Union-Wade
Photo by Monica Schipper/Getty Images
“I hope that a.) you recognize that you're not alone. Seek out help and know that it's okay to be honest about what the hell is happening in your life. That's the only way that you know you can get help, and that's also the only other way that people know that you are in need if there's something going on,” she says, “because we have all these big, very wild, high expectations of people, but if they don't know what they're actually dealing with, they're always going to be failing, and you will always be disappointed. So how about just tell the truth, be transparent, and let people know where you are. So they can be of service, they can be compassionate.”
Gabrielle’s transparency is what makes her so relatable, and has so many people root for her. Whether through her TV and film projects, her memoirs, or her social media, the actress has a knack for making you feel like she’s your homegirl. Scrolling through her Instagram, you see the special moments with her family, exciting new business ventures, and jaw-dropping fashion moments. Throughout her life and career, we’ve seen her evolve in a multitude of ways. From producing films to starting a haircare line to marriage and motherhood, her journey is a story of courage and triumph. And right now, in this season, she’s asking, “What’s next?”
“This is a season of discovery and change. In a billion ways,” says the NAACP Image Award winner. “The notion of like, ‘Oh, so and so changed. They got brand new.’ I want you to be brand new. I want me to be brand new. I want us to be always constantly growing, evolving. Having more clarity, moving with different purpose, like, and all of that is for me very, very welcomed."
"I want you to be brand new. I want me to be brand new. I want us to be always constantly growing, evolving. Having more clarity, moving with different purpose, like, and all of that is for me very, very welcomed."
She continues, “So I'm just trying to figure out what's next. You know what I mean? I'm jumping into what's next. I'm excited going into what's next and new. I'm just sort of embracing all of what life has to offer.”
Look out for Gabrielle in the upcoming indie film Riff Raff, which is a crime comedy starring her and Jennifer Coolidge, and she will also produce The Idea of You, which stars Anne Hathaway.
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Feature image by Mike Lawrie/Getty Images
Santia Barnes, known more commonly as @Trackbaby001 on Instagram, earned the highest-paid contract ever for a woman in American football. Also, she is the first female athlete to have her own shoe company. With a combined social audience of 3 million followers, she’s established herself as a mega-influencer in the health/fitness and lifestyle space. But surprisingly, in our 48-minute phone call, we only discussed this for roughly 60 seconds. Instead, I had a beautiful conversation with Santia and her husband Isaac, a successful tech entrepreneur, about their dream-like partnership.
His company was one of the fastest growing in his county for two years, and he is the only Black entrepreneur to win a federal aviation award for being a government contractor. Plus, he previously won a $13.4 billion contract with the Air Force and Space Force (cues, "he got money" in my best Quinta Brunson voice). But seriously, both of them have such an amazing story alone – yet they made it even better by finding each other. It almost sounds too good to be true, right? Well, Santia felt the same way. In fact, on their first date, they actually tried to disqualify each other. Here’s how it went.
Let’s start from the beginning. How did you two meet?
Isaac: Well, firstly, we connected through the divine grace of God. But we met on Bumble and talked there, and she gave me such a hard time (laughs). But we built a connection online and then took it offline to the phone and eventually in person. Since that meeting, we’ve been stuck like glue.
Santia: Yes, we met on Bumble. But I’ve gotta add to that. I was pretty much done with love, relationships, and especially online dating. But it was right around Valentine's Day, and I felt like God was telling me to try just one more time. So, I created my profile and made it very blunt; I was super clear about what I wanted. I started swiping for a few days and eventually came across his profile, and I noticed our profiles were very similar.
I felt like it was rare for a man to be that intentional. Also, I like that he was attractive and an entrepreneur. I felt like he could understand my life. It took him a couple of days to swipe back, though, and I was little in my feelings. I was literally going to delete the app when he DM’d me. So, it was really the grace of God.
Tell me about your first date. What was the chemistry like?
Isaac: She was late (laughs). But we went to Seasons 52, which made sense because I’m vegan, and she likes to eat healthy. So I made reservations, but again, she was late. Eventually, she got there, and when she did, I saw the entire room shift. It was the weirdest thing. I’ve never seen that in real life. It was like the whole restaurant was looking at us. So we got a table, and immediately, it felt like our energy flowed together so smoothly.
You know how first dates can be awkward? This was exactly the opposite. She grilled me, and I grilled her. We asked some of the deepest questions ever. It was like we were trying to disqualify each other. After dinner, I walked her back to her car because she was recently injured. And in that moment, God talked to me. I knew that this is what it is.
Santia: We talked for like three hours on that date. I remember in the conversation, I said, “Not to be weird, but your energy makes me feel very calm.” That was a big green flag for me. I also remember him walking me back to my car and not trying anything but genuinely just caring for my leg. I was like, this is different. It was an A+ date.
"We asked some of the deepest questions ever. It was like we were trying to disqualify each other. After dinner, I walked her back to her car because she was recently injured. And in that moment, God talked to me. I knew that this is what it is."
Photo courtesy of Santia and Issac Barnes
So, what are some of these intense disqualifying questions y’all asked?
Isaac: We asked everything. We talked about our thoughts on kids, marriage, church, gender roles, family, past relationships, and trauma.
Santia: Yeah, we asked everything they tell you not to. But that’s how I knew he was the one; he didn’t get uncomfortable.
Okay, so if you were still dating, walk me through that next step. What was that conversation like when you two decided to take it to the next level?
Isaac: I had a business trip I had to go to in Orlando, and because of my connection with the Creator I knew she needed to go on this trip with me. She was overcoming tearing her ACL and just needed a break. So we took a road trip together. We drove from Atlanta to Orlando in the car for 8 hours, and we just did the work. We got into childhood trauma and aspirations. It got deep –
Santia: Like, I cried. I discovered stuff about myself I haven’t talked about with anyone else.
Isaac: In that moment, I developed a deeper sense of trust in her because of her vulnerability. And after that trip, I just knew. She still had some concerns, but I was good (laughs).
Santia: Yeah, because I felt like something had to be wrong. Like, I remember calling my mom and she tried to help me just embrace it. Eventually, I actually asked him, “What are we?” And he literally said, “You’re going to be my wife.” And I still was like, are you going to ask me to be your girlfriend though, and he did – and I said yeah. (laughs). But that was only like a month in. It was very quick.
It seems like communication has been a core part of your relationship. What are some important lessons you’ve learned about yourselves individually through loving each other?
Isaac: That’s hard to answer just for this week. A lot of our stuff is self-discovery. But I’ll say, I learned how skeptical I was that this is possible. Also, I learned that all of what I went through is crafting me to be who I am today. Through this relationship, I’ve learned to embrace my 100% authentic self. Her love matters more to me than anything else, and that’s my #1 priority.
So if she accepts me how I am, who is the world to tell me I can’t be this way? She has allowed me to see myself more than any other human, and because of that, I have to shower her with as much love as possible.
Santia: I don’t even know where to start. He’s taught me a lot since day one. He made me more confident in who I am. As an influencer, you don’t always know who is there for the right reasons. But he’s made me feel 100% more confident in standing on who I am. He’s also taught me so much about business. He taught me how to open up more, not feel shame in who I am, and how to set boundaries and stick to them.
And Issac has melted every fear, doubt, and insecurity I’ve had about relationships. I could keep going, but overall, he has a really amazing way of teaching me in a loving way. Having someone that sees and understands me – and not just the social media me – but Santia Barnes, the individual, has been beautiful, and I’ve never experienced it until now.
"Issac has melted every fear, doubt, and insecurity I’ve had about relationships. Having someone that sees and understands me – and not just the social media me – but Santia Barnes, the individual, has been beautiful, and I’ve never experienced it until now."
Photo courtesy of Santia and Issac Barnes
How do you guys navigate past struggles, baggage to work toward your relationships?
Issac: On our honeymoon, I vowed that I would come into this relationship with a clear understanding of what’s holding me back so I can be my best self going through our marriage. For example, on our first day over there, we both wrote down all of the negative anchor thoughts we had around money and finances, and we literally went through every thought.
I found 50 financial aspirations, and every time I read something that I didn’t agree with, I wrote it down. And we talked about where these negative thoughts came from, going back to childhood.
Santia: We do that all the time. If anything comes up, we talk about it, try to get to the core of it, dissect it, and we solve it.
Okay, seriously do ya’ll argue at all (laughs)?
Santia: I mean, if we feel something, we say it.
Isaac: The way we got there is that we established early on that if we’re going to do this we have to be on the same team. We have a championship we’re trying to win, and that’s a family legacy. If something is going on, I’m gonna treat it like my teammate is going through it, and we’ll work through it. But it’s impossible not to have any challenges.
Santia: We don’t have to yell, scream, or be disrespectful though. We can talk in a calm voice and disagree. As long as we know that we’re on the same team, we’re good. I always know we’re not purposely trying to hurt each other, and I know that he's my partner. Looking at it from that lens changes things. We’ve only had two real arguments. It was early on, and when we dissected those too, we realized that back then, we didn’t know each other the way we do now. We weren’t sure we were on the same team (laughs).
Do you guys have any rituals or daily practices that help keep your relationship strong?
Isaac: To cement our process, we listen to our spiritual practice. We practice Sabbath every Friday evening until Saturday evening. So that means no work, no outside communication, we’re just in each other’s skin for 24 hours and experience the world together. Then we recap our week, things we’re grateful for from each other and from God, things that bother us, and then we process it right there. We do that every week.
Santia: We also go over a Bible verse and dissect it together. We have a lot of processes because when you have a plan, you can’t really fail.
Isaac: And the Bible verse always relates. It’s crazy. (laughs)
Photo courtesy of Santia and Issac Barnes
What are your love languages?
Santia: Mine is acts of service, gifts, and words of affirmation
Isaac: Mine is physical touch, acts of service, and words of affirmation.
Are there any challenges you guys had to work through?
Santia: This is my first time living with a man. So things that guys do – like not flushing the toilet, putting dishes in the sink when I’m washing the dishes, and stuff. Honestly. I was really scared about that because I love my space. But surprisingly, I adjusted very quickly. We both work from home and have our own offices, too. So it just kinda works out.
Isaac: For me, it was going from being a single man to adjusting to her needs. For example, she likes flowers. To me, that meant I occasionally bought her flowers. But to her, that means, nah, I want them multiple times a month. Date nights meant occasionally to me; she wants them weekly. It’s just about making sure our needs and expectations are articulated correctly. We come from different worlds, so it’s important to do that.
Finally, I’ll close with how did you know it was love?
Santia: We took a trip to NOLA – another road trip. I cried again and just remembered thinking there’s no one like him. I was like, God, if he’s not my person, this is a cruel joke. But more blatantly, like three months into us dating, I was so conflicted because I was like, I’m falling, and I don’t want to be hurt again.
I remember I had a dream where I was in this dark room and there was this figure there, and I knew it was God, and in that dream, I feel like he told me clear as day that Isaac was my person. Plus, my Mom hates everyone I’ve ever dated, but she was like he’s gonna be my son-in-law. I had so many confirmations that I eventually just let go.
Isaac: It was multiple moments. I really got confirmation on the first date, but I became sure in one moment. I was sitting in my office, and she came in, and we were talking about her making history. So I started showing her some of my awards, too, and at that point, she still didn’t know what I did. And she was like, why don’t people know about this, and I showed her my Facebook page – where I had made a small post with a few likes (laughs). And she was like, do you know how many young Black children don’t know this is possible? It was different.
I felt like a hypocrite because I do everything for the next generation. So, she allowed me to see myself in that totality and still hold me accountable. The only person who had done that for me was my Dad and [he] passed away a few days before my 18th birthday. So after that, that did it for me. Then we went to the DR for my brother's anniversary, and she met my family and I saw how well she blended with my family, and I just knew.
Santia and Isaac are continuing to grow their individual businesses and love journey. Through that process, they have created an intentional dating platform on Instagram called @dateintentional1.
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Featured image courtesy of Santia and Issac Barnes
