“It doesn’t matter how big or small your finances are, the real gem is prioritizing what you have,” that’s the candor advice Ebony Austin, owner of Noveau Bar and Grill made sure she emphasized in our authentic convo. As a multi-hyphenated go-getter, she’s created more than 100 job opportunities and given away over $100 million to the community. When I inquired about her secret, she simply credits her skill to proper planning and a trusted team.
But the more the discussion progressed, the depth of that answer was revealed. Ebony opened up about how saving during the pandemic, a time when many businesses were forced to close their doors, aided her through difficult chapters. And after our authentic conversation, it made the importance of saving and business research crystal clear. Check out the convo below.
What was your journey like into money management? Have you always been good with your finances?
Yes, I learned it early. My grandparents had a construction company when I was growing up and my grandmother would teach me that with everything they worked for, she’d put 30% away. So no matter how many jobs I’ve had, once I tithed, I’d put up 30% away too. If I couldn’t pay my bills with that remainder, I’d get a second job. As crazy as it sounds, I’ve always been amazing at that.
So you’re definitely more of a saver then a spender, right?
Well, yes, but I do have a shopping addiction. But I save a lot. I’ve gone months and months without buying anything, then I’ll just go buy something big or small. But I’ve always known I still need backup plans. The beauty of having it is that you’re never trying to scramble. Even with my first property, I didn’t have any problems because my money was seasoned. I’ve always been consistent and knew a certain amount of money was going in the bank every paycheck.
Photo by Rari Filmz
Okay, so I can’t ignore the “shopping addiction” comment. Tell me about your splurge
So Louis Vuitton and Chanel are my favorites. Then I’m really big on supporting Black-owned businesses. I put that in my budget every month – sometimes a few times a month.
That’s a good one! What advice do you have for people trying to tighten up their budget?
Prioritize. When the pandemic happened, it gave us all a new outlook on life and what’s important. For example, going out to eat with my friends and family is essential. So I take time out monthly and figure out my expenses. For example, a lot of my friends are Tauruses, so that month, I need to plan extra birthday dinners. It only takes me like an hour, but it makes such a difference. People need to figure out what that looks like for them.
And what is your current final goal? Like, do you have a retirement plan?
Yes, once I get Noveau to 100 million! My biggest goal is for my team members to buy homes and establish themselves. But my end goal would be 15-20 restaurants, with five being investment restaurants. Also, of course, I want properties. I understand the importance of owning land. I think those are the main things.
Okay, so what is the worst piece of business advice you’ve been given?
Someone told me that I don’t need finances to open up a business. People say if you have a 590 credit score you can start it, but why would you do that? I mean you can do it with that score, but the interest looks way different. Build your credit first and avoid the extra costs. I used my own money to start a lot of businesses. Now when I look back I wouldn’t have even done it that way.
How would you have done it?
I would’ve used the bank's money. When you’re building your first location it can be really hard, but they do give them out. But you can’t just come in with a concept with no experience and ask for $100,000. No one will bet on that or believe in it. But if you have a concept, with a real plan and projections, start off with lines of credits. You can start small and build your business with $5,000.
Out of curiosity, what are your thoughts on investing and how do you do it?
I’ve invested in two restaurant concepts. Also, I have my own real estate investment company where we build, sell, and flip. I think investments are important to keep. Some of them require work. Personally, real estate is always key. To me it’s a safe option but they’re smart in general. That’s the only way you get to certain goals. Don’t let money sit in the bank – invest it.
Are there any unhealthy habits you had to unlearn in regards to investing or money management in general?
I had to learn to say no. A lot of times, everybody wants something. It’s hard to say no to people who are capable of doing things for themselves.
Heavy on the “who are capable of doing things for themselves.” What’s been your biggest struggle in building your business? Was there ever a moment you questioned it?
As an entrepreneur, we all have those moments where we’re ready to throw in the towel. But my biggest challenge was building a team and getting the word out there. But I also know God doesn’t make mistakes. At the time, the more I prayed and started to get to know the team, I came to the realization that I needed to let go of almost all of them. It wasn’t just about what was aligned with me and my purpose but also Nouveau.
Also, I had to separate myself and the business because I’m not going to care if they’re late three times in a row but the business will. Those were the most challenging things for me: saying no, building the right team, and separating the business and myself.
God heard every prayer though. Because now the team at Nouveau is amazing. They put all the pieces together. It’s all about praying and taking care of your people.
Finally, what does wealth look like to you?
Making sure my family is good and my mother doesn’t have to work again. Also, wealth is ensuring my team is reaching their goals. I teach my team how to save money, too. It makes no sense that I’m the only one that’s profitable. When I became a millionaire, my goal was to figure out who I’ll make the next millionaire. I want families to understand how we get here and how we stay here. Wealth is not a one-woman show.
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Feature image by Rari Filmz
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So, we handpicked one hundred It Girls who embody that palpable It Factor moving through us as young Black women, the kind of motion lighting up the world both IRL and across the internet.
It Girl 100 became xoNecole’s most successful program, with the hashtag organically reaching more than forty million impressions on Instagram in just twenty-four hours. Yes, it caught on like wildfire because we celebrated some of the most brilliant and influential GenZennial women of color setting trends and shaping culture. But more than that, it resonated because the women we celebrated felt seen.
Many were already known in their industries for keeping this generation fly and lit, but rarely received recognition or flowers. It Girl 100 became a safe space to be uplifted, and for us as Black women to bask in what felt like an era of our brilliance, beauty, and boundless influence on full display.
And then, almost overnight, it was as if the rug was pulled from under us as Black women, as the It Girls of the world.
Our much-needed, much-deserved season of ease and soft living quickly metamorphosed into a time of self-preservation and survival. Our motion and economic progression seemed strategically slowed, our light under siege.
The air feels heavier now. The headlines colder. Our Black girl magic is being picked apart and politicized for simply existing.
With that climate shift, as we prepare to launch our second annual It Girl 100 honoree list, our team has had to dig deep on the purpose and intention behind this year’s list. Knowing the spirit of It Girl 100 is about motion, sauce, strides, and progression, how do we celebrate amid uncertainty and collective grief when the juice feels like it is being squeezed out of us?
As we wrestled with that question, we were reminded that this tension isn’t new. Black women have always had to find joy in the midst of struggle, to create light even in the darkest corners. We have carried the weight of scrutiny for generations, expected to be strong, to serve, to smile through the sting. But this moment feels different. It feels deeply personal.
We are living at the intersection of liberation and backlash. We are learning to take off our capes, to say no when we are tired, to embrace softness without apology.
And somehow, the world has found new ways to punish us for it.
In lifestyle, women like Kayla Nicole and Ayesha Curry have been ridiculed for daring to choose themselves. Tracee Ellis Ross was labeled bitter for speaking her truth about love. Meghan Markle, still, cannot breathe without critique.
In politics, Kamala Harris, Letitia James, and Jasmine Crockett are dragged through the mud for standing tall in rooms not built for them.
In sports, Angel Reese, Coco Gauff, and Taylor Townsend have been reminded that even excellence will not shield you from racism or judgment.
In business, visionaries like Diarrha N’Diaye-Mbaye and Melissa Butler are fighting to keep their dreams alive in an economy that too often forgets us first.
Even our icons, Beyoncé, Serena, and SZA, have faced criticism simply for evolving beyond the boxes society tried to keep them in.
From everyday women to cultural phenoms, the pattern is the same. Our light is being tested.
And yet, somehow, through it all, we are still showing up as that girl, and that deserves to be celebrated.
Because while the world debates our worth, we keep raising our value. And that proof is all around us.
This year alone, Naomi Osaka returned from motherhood and mental health challenges to reach the semifinals of the US Open. A’ja Wilson claimed another MVP, reminding us that beauty and dominance can coexist. Brandy and Monica are snatching our edges on tour. Kahlana Barfield Brown sold out her new line in the face of a retailer that had been canceled. And Melissa Butler’s company, The Lip Bar, is projecting a forty percent surge in sales.
We are no longer defining strength by how much pain we can endure. We are defining it by the unbreakable light we continue to radiate.
We are the women walking our daily steps and also continuing to run solid businesses. We are growing in love, taking solo trips, laughing until it hurts, raising babies and ideas, drinking our green juice, and praying our peace back into existence.
We are rediscovering the joy of rest and realizing that softness is not weakness, it is strategy.
And through it all, we continue to lift one another. Emma Grede is creating seats at the table. Valeisha Butterfield has started a fund for jobless Black women. Arian Simone is leading in media with fearless conviction. We are pouring into each other in ways the world rarely sees but always feels.
So yes, we are in the midst of societal warfare. Yes, we are being tested. Yes, we are facing economic strain, political targeting, and public scrutiny. But even war cannot dim a light that is divinely ours.
And we are still shining.
And we are still softening.
And we are still creating.
And we are still It.
That is the quiet magic of Black womanhood, our ability to hold both truth and triumph in the same breath, to say yes, and to life’s contradictions.
It is no coincidence that this year, as SheaMoisture embraces the message “Yes, And,” they stand beside us as partners in celebrating this class of It Girls. Because that phrase, those two simple words, capture the very essence of this moment.
Yes, we are tired. And we are still rising.
Yes, we are questioned. And we are the answer.
Yes, we are bruised. And we are still beautiful.
This year’s It Girl 100 is more than a list. It is a love letter to every Black woman who dares to live out loud in a world that would rather she whisper. This year’s class is living proof of “Yes, And,” women who are finding ways to thrive and to heal, to build and to rest, to lead and to love, all at once.
It is proof that our joy is not naive, our success not accidental. It is the reminder that our light has never needed permission.
So without further ado, we celebrate the It Girl 100 Class of 2025–2026.
We celebrate the millions of us who keep doing it with grace, grit, and glory.
Because despite it all, we still shine.
Because we are still her.
Because we are still IT, girl.
Meet all 100 women shaping culture in the It Girl 100 Class of 2025. View the complete list of honorees here.
Featured image by xoStaff
"They asked for body products and we wanted to make sure we listened. But also layering fragrance begins with the body routine." The body wash is $33, and the body lotion is $35. Keep reading below to hear more about Tabitha and Chance's new collection, their body rituals, and what makes their partnership successful.
Fridays with Tab and Chance body collection
Marcus Owens
xoNecole: How did you come up with the scents for the collection?
Tabitha Brown: We love warm scents that make you feel sexy and loved. [We’re] both fans of gourmand [scents], including bergamot, vanilla, tonka and chocolate.
xoN: If you could describe your working relationship in one word, what would it be and why?
Tabitha: It's our first time building a product line together and our first time working with fragrance. So having patience with the process and each other has been the best way to build.
xoN: What is your body care ritual?
Tabitha: Exfoliate with a scrub a few times a week, but using a moisturizing body wash daily. After a shower, I spray a body mist that compliments what scent I am choosing for the day. Most times vanilla mist wins because it’s a perfect base for layering. I then hydrate [my] skin with lotion. Then, once dressed, I layer my favorite fragrance, Her Business, first and then His Business on top.
Chance: [I’m] way more simple. Just body wash and lotion and then my cologne and I’m good to go.
xoN: We enjoy watching you two together online, whose idea was it to start 'Fridays with Tab & Chance'?
Tabitha: It actually happened by accident. Back in 2018, my fans had just been asking about how we met, so we did a video answering questions one Friday and people in the comments [asked], will y’all do it again next Friday? And so we did and the next thing you know Fridays with Tab & Chance was born.
xoN: In what other ways do you plan to expand Fridays? Restart the podcast? TV show?
Tabitha: We are working on a lifestyle content show vs the traditional Fridays podcast. More to come soon.
xoN: You do many things together, but what would you say is your favorite quality time activity and why?
Tabitha: We are really simple. We love watching movies or TV series together on the couch or in bed. It’s really one of our favorite things to do together.
xoN: What is your favorite thing about the other person?
Tabitha: I love that he makes me feel safe and how hard he works to be an amazing father.
Chance: I love that she is crazy enough to pursue her wildest dreams.
xoN: What is the key to a successful partnership in business and personal?
Tabitha: The key is knowing that you both are going to change, and giving each other grace, patience, and understanding during those changes.
See more on tabandchance.com.
Feature image Marcus Owens