

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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Swipe Right For Sisterhood: Reginae Carter Talks Teaming Up With BLK To Make Friendships Front & Center
You know the vibes: dating apps aren’t just for finding romance anymore—at least not for Gen Z! As young people continue to redefine connection, BLK, the leading dating app for Black singles, is shaking things up with the launch of Social Mode. The new feature allows users to toggle between dating and platonic connections. Yep, you read that right—friendship is now just as easy to find as love.
To kick off this game-changing launch, BLK teamed up with TV personality and socialite Reginae Carter for the ultimate Girls’ Night In, proving that sisterhood is just as important as romance. The exclusive event was a celebration of the new feature and the power of Black women coming together to uplift one another.
“Your circle is everything,” Reginae shares with a smile, and she’s not wrong. She’s all about creating spaces where we can come together, let our hair down, and vibe with like-minded women. “We deserve spaces to meet, uplift, and vibe with each other. BLK is making that happen,” she adds.
A New Era for Friendships—Social Mode Is Here!
Gen Z is all about building meaningful connections, whether it’s with a date or a new brunch buddy. That’s why Social Mode is such a big deal. Research shows that 65% of Gen Z values friendships just as much as romantic relationships. With BLK’s new feature, users can easily toggle between “Dating” and “Social,” opening up a world of platonic connections—no swiping right required.
Bahja Rodriguez, Reginae Carter, Breaunna Womack, Lourdes Rodriguez and Zonnique Pullins attend OMG Girlz "Make A Scene" Single Release & Video Viewing Party at Trap City Cafe on March 27, 2025 in Atlanta, Georgia
Photo by Prince Williams/WireImage
Reginae Carter Hosts the Ultimate Girls’ Night In—Powered by BLK Social Mode
What better way to show Social Mode in action than with an exclusive Girls’ Night In, hosted by Reginae? The event brought together top influencers, tastemakers, and press for a night of luxury, self-care, and real talk about love, sex, and relationships. From tarot readings to perfume-making and signature cocktails, the evening embodied the “soft life” vibe that many Black women are embracing in 2025—peaceful, intentional, and full of joy.
Guests mingled, laughed, and bonded over the importance of finding a tribe that supports you. It wasn’t just about fun (although there was plenty of that!)—it was about creating a circle of inspiring, strong women. “We need to stick together. We need to be each other’s village,” Reginae says, emphasizing the power of community over competition.
Sisterhood: The Real MVP
For Reginae, it’s all about friendship—and not just the surface-level kind. “We need friends who keep it real with us. The ones who can tell us when we’re right, when we’re wrong, and when we need to calm down,” she says. As someone who navigates the spotlight, she’s got the best of both worlds: friends who understand the grind and those who can give her an honest, grounded perspective.
Her advice for building strong, intentional friendships? “Be confident in yourself and know your worth,” she explains. “Also, hurt people hurt people, so make sure you’re coming from a good place when you’re building relationships. It’s not always about being nice—sometimes it’s about being real.”
Reginae couldn’t have summed it up better: “When you have the right circle, the right tribe, everything just feels easier. And that’s exactly what BLK is giving us—space to connect, laugh, and grow with each other.”
To learn more about BLK’s Social Mode, download or update the BLK app in the App Store or Google Play Store today. Who knows? You might just find your new bestie or your next brunch crew.
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Feature image by Prince Williams/WireImage