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 get it.
Sherri J comes from very humble beginnings. Her family was impoverished, and she was forced to grow up early after becoming a teen mom. It was not expected for her to thrive. Yet, against all expectations, she has risen to become a multimillionaire, owning three successful childcare facilities across Metro Atlanta.
Sherri recognized a need in her community and decided to act on it. Today, she is not only a thriving entrepreneur but also a published author, business coach, and motivational speaker.
Additionally, her daughter is following in her entrepreneurial footsteps. Together, they are the dynamic duo behind the Offices at Dogwood Park. Within this building, Sherri and Janaya operate their Success Suite, offering cost-effective conference rooms and business suites for emerging entrepreneurs.
Janaya also runs her own business, Belle Lux Day Spa, which occupies a quarter of the building and exemplifies the family's entrepreneurial spirit.
Sherri J’s journey was far from easy, and throughout this process, she’s learned a great deal about the childcare industry, money management, and the power of determination. She shared a bit of her journey with us in today's Money Talks.
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On how she got started:
"Well, I fell pregnant very early in life, at 14 years old. That's what molded me and the rest of my life. I had to learn responsibility very, very early. I had to be a mother all while balancing being a teenager, trying to find and learn myself. Having that type of responsibility at such an early age gave me a quicker start at life.
"Anyway, my daughter's father’s side of the family was into childcare. I had to work for them to kind of earn my keep and to take care of this new child that I had sprung on everybody. So in working for her father's side of the family, I learned the childcare industry – really unbeknownst to me. I was kind of being molded into being the person that I am today. Then I decided I wanted to step out on faith and try to open my own childcare center; I did that by 24. Long story short, that's what got me to where I am today."
On her initial relationship with money:
"I didn't have the option or experience to be good with money. I didn't know anything about it. My mom was just the average everyday working woman trying to make ends meet. I didn't know what a wealthy lifestyle was. I didn't know what having money looked or felt like. I think I got my first understanding of it when I met his family and saw what they had. That's when I knew we didn't have money."
On stepping out on her own:
"I was very scared because, at this time, I was working as an executive assistant to the principal for [the] Atlanta Public School System. So I was making maybe $35,000 in my early twenties. I had always been in corporate America. I worked for Wachovia Bank (Wells Fargo) and H&R Block and felt like I had gotten a good job at the school system.
"I mean, 16 years ago, $35,000 was a lot of money for a 21-year-old. But I knew that I wanted to always be a resource for my daughter, and even on $35,000, I was barely making ends meet. I had enough to pay my rent, my little car note, and maybe buy some McDonald's here and there."
On using her taxes for startup money:
"When I made the decision to jump into childcare, I had saved three years' worth of tax returns. At the time, I was getting between a $2,500 to $4,000 return. And one year, I just decided not to spend it. Also, I was saving like $100 out of each check. For two years, I ended up with about $5,000 – so that was my startup. I literally just buckled down and decided not to waste the money."
"When I made the decision to jump into childcare, I had saved three years' worth of tax returns. At the time, I was getting between a $2,500 to $4,000 return. And one year, I just decided not to spend it... For two years, I ended up with about $5,000 – so that was my startup. I literally just buckled down and decided not to waste the money."
On her favorite splurges:
"Sadly, I do not splurge. I like cars so when I want a new car, I'm going to get one. But that's not all the time. You know? I really don’t do much for myself. Everything I do is always for other people. My life is really 'complex-simplicity.' But for my 40th birthday last year, I threw a huge party and went to Turkey. That was the beginning of me doing more for myself. Oh, and property! I’m responsible, but I’ll buy a property in a minute."
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On money-lessons she learned the hard way:
"I was never taught budgeting, so I had to figure it out on my own. And honestly, most Black people are counting and spending their money before they get it. So mentally, they know exactly what they do and don't have.
"Childcare is fast money. If you set up shop in the right location, you can go from $0 to $40,000 quickly. And this happened so early on in my business and so fast that I was out having fun, spending all this money, but I wasn't growing the business that I started.
"You gotta think, I went from getting around $1,200 every two weeks to $8,000. But I learned very, very quickly that I couldn't be gone on vacation 24/7 because no one was running or growing the business. And so it wasn't until that $8,000 a week was $2,500 a week, then $1,800 a week, that I realized I didn’t have as many kids to care for!"
"Childcare is fast money. If you set up shop in the right location, you can go from $0 to $40,000 quickly. And this happened so early on in my business and so fast that I was out having fun, spending all this money, but I wasn't growing the business that I started."
On real estate and passive income:
"I'm a licensed Realtor in both Georgia and Florida, and I became licensed in both states because I invest in real estate. I own the buildings for all my childcare centers outright, with no mortgages. I also own the buildings for any business I operate; I don't rent from anyone. My investment portfolio is focused on real estate because it consistently gains value, and you can always generate income from it.
"Whether you choose to start a business or rent it out, real estate offers flexibility. If you need to access funds, real estate allows for that too. I always recommend investing in real estate because it has worked well for me."
On a final, personal money-saving tip:
"I would say, if your business is a heavy cash flow business, meaning you get a lot of cash but also accept credit cards, checks, and etc., save the cash that you do not need. Put that cash in savings, don’t ride around with it. That way you don’t think twice about spending it."
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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
Meanwhile, frankincense and myrrh originate from the Middle East and Africa (you know, like the Bible does — some folks need to be reminded of that—eh hem — Trumpers) and ginger? It too helps with indigestion (which can definitely creep up at Thanksgiving and Christmas dinner tables); plus, it’s a key ingredient for ginger snaps and gingerbread houses. So, as you can see, holiday-themed scents have a rhyme and reason to them.
Tying this all in together — several years ago, I penned an article for the platform entitled, “Are You Ready To Have Some Very Merry ‘Christmas Sex’?” Well, in the spirit of revisiting some of that content, with a bit of a twist, I decided to broach some traditional holiday scents from the perspective of which ones will do your libido a ton of good from now through New Year’s Eve (check out “Make This Your Best NYE. For Sex. EVER.”).
Are you ready to check some of them out, so that, whether it’s via a candle, a diffuser, some essential oil, or some DIY body cream (check out “How To Incorporate All Five Senses To Have The Best Sex Ever”), you can bring some extra festive ambiance into your own boudoir? Excellent.
1. Vanilla
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When it comes to holiday desserts, you’re going to be hard-pressed to find recipes that don’t include vanilla — and that alone explains why it is considered to be a traditional holiday scent. As far as your libido goes, vanilla is absolutely considered to be an aphrodisiac — partly because its sweet scent is considered to be very sensual. Some studies even reveal that vanillin (the active ingredient in vanilla) is able to increase sexual arousal and improve erectile dysfunction in men. So, if you adore the smell, here is more incentive to use it.
2. Frankincense
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Although, typically, when people think about frankincense (and myrrh), it’s in the context of the gifts that the wise men brought Christ after he was born; it’s a part of the biblical Christmas story. However, frankincense goes much deeper than that. Sexually, since it has an earthy and spicy scent, some people like to use it to meditate (check out “What Exactly Is 'Orgasmic Meditation'?”). Also, since it has the ability to put you in a better mood, soothe and soften your skin and maintain your oral health — with the help of frankincense, every touch and kiss can be that much…sexier.
3. Cinnamon
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I already gave cinnamon a shout-out in the intro. Personally, I’ve been a fan of it, in the sex department, for a long time now (check out “12 ‘Sex Condiments’ That Can Make Coitus Even More...Delicious”). When it’s in oil form, it can be very sweet to the taste while sending a warm sensation throughout the body — which is why the giver and receiver of oral sex can benefit from its usage. Beyond that, cinnamon helps to increase blood flow to your genital region, elevate sexual desire and, some studies say that it can even help improve fertility. Beautiful.
4. Peppermint
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If there’s a signature candy for the holiday season, it’s probably a candy cane — which automatically puts peppermint in the running for being an official holiday scent. Pretty much, in any form, it’s got your sex life’s back because it’s hailed as being a sexual stimulant; in part, because its smell is so invigorating. Plus, it helps to (eh hem) ease headaches, it gives you more energy and it can definitely help to freshen your breath. Also, that minty sensation? The same thing that I said about cinnamon can apply to peppermint too (if you catch my drift).
5. Ginger
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Whether it’s in a meal or in your bedroom, ginger is going to produce results that are hella spicy. On the sex tip, science has praised ginger for being able to increase sexual arousal, improve blood circulation (which intensifies orgasms) and strengthen fertility for many years. Scent-wise, I find it to be one that both men and women enjoy because it is both woodsy and sweet. So, if you’ve got some massage oil in mind, adding some ginger is a way to please you both.
6. Pomegranate
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September through December is the time of year when pomegranates are considered to be in season. And, as someone who is a Rosh Hashanah observer, I have a personal adoration for them because I am aware of the various things that they symbolize in Hebrew culture including the fact that they are a fruit that represents love and fertility. So yeah, they would absolutely be an aphrodisiac — one that is perfect for this time of the year. While consuming it helps to boost testosterone levels in both men and women, the floral bittersweet smell that it produces can help to reduce stress while promoting relaxation (like most floral scents do) — and the more relaxed you are, the easier it is to climax.
7. Nutmeg
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Another signature seasoning during the holiday season is nutmeg. It’s perfect in Thanksgiving sweet potato (or pumpkin) pie and Christmas morning French toast. And yes, it can also make your sex life better. If you consume it, it can intensify your libido and, overall, its warm-meets-spicy-meets-sweet smell is so inviting that it is considered to be a pretty seductive scent.
8. Cloves
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I ain’t got not one lie to tell you — if you’ve got a toothache, put some clove oil on that bad boy and send me a Christmas present for putting you on game. Aside from that, as I round all of this out, cloves are another holiday scent that can do wonders for your sex life. For men, it has the ability to significantly increase sexual arousal and improve stamina and endurance. For men and women alike, it also has a reputation for strengthening sexual desire. And for women solely? Well, if you want an all-natural way to increase natural lubrication down below — the scent and and feel (in DILUTED oil form) can make that happen. It can make the holidays especially special…if you know what I mean.
Ah yes — the atmosphere of the holidays and what it can do.
Take it all in! Scent ‘n whatever stimulating that comes with it! #wink
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