

Once upon a time, I was broke as hell. Not just broke, but broke as hell. Broke is when you have more month left than money. Broke as hell is when you continuously have more week left than money.
My brokest point came after I was laid off from my job at an S&P 500 listed company in 2011. I decided it was time to “give back" and joined Americorp. As a result, I was earning $13,500 annually and living in New York City. This wasn't the only time in my life I was broke before I decided to change my relationship with money, “broke" was a familiar situation.
By 2015, I had turned my situation around and was making nearly $80,000 a year. I got comfortable with my new income, took a couple of bucket list trips and launched my own company. But I will never forget the days I claimed I was “fasting" so that I didn't have to explain not having lunch because the truth was, I couldn't afford it.
As the saying goes, "What doesn't kill us makes us stronger," and there is a bright side to my days of penny pinching.
I learned valuable lessons when I was broke that I will carry with me throughout my life, and that I believe will help anyone who's in a financial struggle.
Humility Goes A Long Way
I drove a Lexus in college and it's safe to say that I was feeling myself, not exactly Kanye status, but I had a very healthy sense of self. Fast forward to 2011 when my vehicle had been towed for unpaid tickets, and I didn't even have enough money for train fare to get to work -- it was a much-deserved slice of humble pie.
Through my experience I began to understand what it was like to live paycheck to paycheck. While I wasn't exactly sitting in the front seat of the struggle bus, I began to understand what it felt like to question whether or not you'd be able to make ends meet. As a result, I started judging others less. I became thankful for the opportunities I had been afforded, and realized that nothing in this world is given and shouldn't be taken for granted.
You Have To Learn To Legally Hustle
Have you ever felt a job was below you? Right after college, I refused to take jobs that didn't require a college degree--that is until student loan reps started calling. During times of crying broke, I did jobs that I would have previously never given a second glance, and I created income streams using my skills. I sold cars, wrote term papers for college students, learned to bartend, and I even became a photo booth operator at events and private parties. There's something empowering about learning that you have "hustle" in you and that you can make cute ass lemon drop cookies when life throws you lemon peels.
Related: Six Tips For Getting Your Side Hustle Off The Ground In 2019
There Is A Difference Between Friends & Associates
In 2011, my grandfather was diagnosed with cancer. I didn't have a legitimate savings account; I barely had a bank account. A few months prior, my best friend had lost her job and was owed back pay by unemployment. As soon as she received her back pay, she purchased me a plane ticket home and see my grandfather. He passed less than a month later.
I not only learned who my friends were because of their generosity, but also because of their desire to actually be around me when we weren't having fun or spending our coins in a club. Mother Oprah said it best, "Lots of people want to ride with you in the limo, but what you want is someone who will take the bus with you when the limo breaks down." There are several people who opted not to ride the bus with me and I am beyond grateful that I learned what their intentions were early on.
Maximize & Value Resources
When you don't have money to do traditional twenty-something things, let alone paying your rent, an evolved version of first world "fight or flight" begins to occur. For me, "flight" was returning home to North Carolina, and I wasn't about to let New York City get the best of me. While I didn't become a freegan (although I knew plenty of people who were), I got creative with my life.
A friend and I did a "dining out fast". We committed to only dining out if someone else was picking up the bill. I cut my drinking bill down to zero. If I was going out, it was to open bar events. I started shopping at thrift stores and participating in clothing swaps. I effectively utilized my resources to make my money stretch. To this day, I cut corners where it makes sense. For example, I haven't had cable in five years and I've gotten really good at doing my own manicures.
One of the beautiful things about struggle is that you never know how strong and capable you are until you are challenged.
That's when you learn what you are really made of. Being broke changed my heart and life for the better. Now, would I ever want to be that broke again? Meeeehhh. Not by choice. I think I've had enough of being broke for a lifetime. What are some lessons you learned (or are learning) when you were broke?
xoNecole is always looking for new voices and empowering stories to add to our platform. If you have an interesting story or personal essay that you'd love to share, we'd love to hear from you. Contact us at submissions@xonecole.com.
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Tonya Rapley is a nationally recognized millennial money expert and was deemed the "New Face of Wealth Building" by Black Enterprise magazine. She is a Certified Financial Educator and founder of MyFabFinance, where she is on a mission to help women break the cycle of living paycheck to paycheck.
'He Said, She Said': Love Stories Put To The Test At A Weekend For Love
At the A Weekend For Love retreat, we sat down with four couples to explore their love stories in a playful but revealing way with #HeSaidSheSaid. From first encounters to life-changing moments, we tested their memories to see if their versions of events aligned—because, as they say, every story has three sides: his, hers, and the truth.
Do these couples remember their love stories the same way? Press play to find out.
Episode 1: Indira & Desmond – Love Across the Miles
They say distance makes the heart grow fonder, but for Indira & Desmond, love made it stronger. Every mile apart deepened their bond, reinforcing the unshakable foundation of their relationship. From their first "I love you" to the moment they knew they had found home in each other, their journey is a beautiful testament to the endurance of true love.
Episode 2: Jay & Tia – A Love Story Straight Out of a Rom-Com
If Hollywood is looking for its next Black love story, they need to take notes from Jay & Tia. Their journey—from an awkward first date to navigating careers, parenthood, and personal growth—proves that love is not just about romance but also resilience. Their story is full of laughter, challenges, and, most importantly, a love that stands the test of time.
Episode 3: Larencia & Mykel – Through the Highs and Lows
A date night with police helicopters overhead? Now that’s a story! Larencia & Mykel have faced unexpected surprises, major life changes, and 14 years of choosing each other every single day. But after all this time, do they actually remember things the same way? Their episode is sure to bring some eye-opening revelations and a lot of laughs.
Episode 4: Soy & Osei – A Love Aligned in Purpose
From a chance meeting at the front door to 15 years of unwavering love, faith, and growth, Soy & Osei prove that when two souls are aligned in love and purpose, nothing can shake their foundation. Their journey is a powerful reminder that true love is built on mutual support, shared values, and a deep connection that only strengthens with time.
Each of these couples has a unique and inspiring story to tell, but do their memories match up? Watch #HeSaidSheSaid to find out!
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Synthetic Braiding Hair & Chemicals: What To Know & What To Do Next
When I was younger, one of my favorite hairstyles was cornrows. I would get them long (as long as mom would allow me to get) with beads on the end. To get the length I wanted, I would add synthetic braiding hair.
Just like many other Black women I know, going to the hair store with my mom or other family members to grab a pack of kanekalon braiding hair was the norm. As I grew up and advanced, so did the hair industry.
Now, when you go to the hair store you are inundated with all kinds of hair textures, colors, and more. That’s why it was so upsetting to read the latest report about synthetic braiding hair.
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A Feb 27 Consumer Reports article revealed that most popular synthetic hair brands that are used for braiding have dangerous chemicals such as carcinogens, lead and volatile organic compounds (VOCs). The report stated that 10 of the brands were tested and all 10 had these chemicals. These brands included Shake-N-Go, Sassy Collection, and Sensationnel.
These chemicals include benzene, which is a carcinogen that has been linked to acute myeloid leukemia and unsafe levels of lead, which can cause kidney damage, brain damage, and cardiovascular problems in adults.
In children, it can cause brain and nervous system damage, learning disabilities, behavioral problems and even developmental delays.
James E. Rogers, PhD, director and head of product safety testing led the testing for synthetic braiding hair. “Our exposure and risk analysis found all nine products could expose a regular user of any of these products to a level of lead that could be concerning over time,” he said.
As shocking as this is, it also brought some clarity around why I’ve had issues with wearing braiding hair as of late.
Not only have I dealt with scalp irritation, I’ve even had breakouts on my back from the hair touching. Since then, I’ve started rinsing the hair with apple cider vinegar, and haven’t had that many issues. However, the report stated that ACV isn’t a “cure-all” and can potentially release harmful chemicals when rinsing the hair.
@javonford16 Replying to @Julianna Rebundle vid: @Javon Ford Beauty #blackhairstyles #braidinghair #blackgirlhairstyles @Consumer Reports
While the report sparked some outrage, chemist Javon Ford has a different view. In a TikTok video, he shared that the report was tested for oral exposure and not dermal exposure.
He showed a screenshot of an email he allegedly sent Consumer Reports questioning their decision to test this way. The email said, “the best model to use, in our view, is the ingestion model for the reasons given in the article.”
“While I understand they went with that model, I don’t agree with it because you’re not intentionally ingesting braids,” Javon said. The chemist also said that the amount of chemicals found in the brands is “conservative” compared to other types of products.
So what does this mean for us braid-wearers? If you still want to wear braids, but have some concerns, you can limit how often you wear them. Another option is wearing non-toxic braiding hair or plant-based hair. The only downside is that it's pricier than synthetic hair.
The Consumer Report also suggested checking for recalls, reading labels carefully, and reporting adverse effects. Hair isn’t regulated by the Food and Drug Administration, so it’s best to do your research when making purchases.
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