We all know it's been rough this past year, and even 2021 has started off with quite a bit of ruckus. And there's always that sense of wanting to do whatever we can to ensure we're financially stable and able to take on whatever other craziness might be to come. So, anything that will allow us to either make or save money is a good look. So when I recently heard about a family member getting involved in a sou-sou, I was intrigued.
This wouldn't be the first time I'd heard of the concept. A few of my Caribbean friends and family have participated in a form of it they call "partner" (or "paht-nuh" if ya know patois. Big up yaself!) But what is a sou-sou or partner, you ask? It's an informal savings club, typically run by a "banker," that allows you to deposit money into a "pot," and once the pot grows, you get a certain sum of money when your "turn" comes around.
It's been called the "poor man's savings club," and it's something that has been embraced by Latin, Caribbean and African communities for generations. And the reason for it makes sense. Some have traced the concept centuries back, when West Africans pooled their money via an "esusu." Others might credit their popularity to the fact that many people of color faced extreme racism in the banking industry and could not utilize the traditional options for building savings. Add to that the fact that many did not trust banks, thus a sou-sou or partner was ideal.
I decided to get some insights from a few women on their own experiences with these sort of savings clubs. Here's what they had to say:
A Cautious Participant
My family member who recently participated in a partner told me that she'd had a bad experience in a previous one. (By request, I'm going to leave her identity anonymous.) She and her husband put in $400 but by the time it was their turn to collect on the $4,000 pot, people had dropped out of the group. They ended up getting a refund. After that experience, she just didn't take the whole concept seriously. "I really don't have time or money to waste, and I don't like when there's any sort of mix up or confusion when dealing with money," she told me. "We were able to get our money back because the person we were dealing with was honest. Thank God for that."
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This same family member decided to try again with a different group and a lower deposit. She knew another in-law who had already gotten her $4,000 share after putting in less than $200 three months earlier. "At least with this one, there's a clear system. They even have Zoom calls to explain things, and the leaders of it use a spreadsheet. There's a good number of people in the group to make the numbers make sense. The bankers also have rules, and when members of the group don't follow them, they are immediately refunded what they put in and removed. It's just $100 this time, so I decided to give it another try."
She added that while she has traditional bank accounts, participating in such a group has an allure because of the instant money available once your turn comes to cash in. "Who wouldn't want to get $4,000 after only investing a small sum? It's a nice bonus that can definitely come in handy."
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Generational Money Moves
Gaynete Jones, a podcast host and founder of Best, Periodt, a femcare brand, is from Bermuda and has always been an enterprising self-starter. The concept of a partner was one she too was introduced to by family. "My grandmother runs a savings club with family and friends. I love doing it as it's a great way to keep her mind sharp," Jones said. "My husband and I both participate with two 'hands' of $50 each, so we pay $100 each a week, and twice a year [we] both receive $2,500 back ($5,000 each). It's by no means our only way to save, but it's a unique way to stack coins that we enjoy participating in."
Jones explained that participants "get in" what they pay out since the partner runs 50 of the 52 weeks a year. "We've never had any delays or nonpayments, and we've been participating for years. The key is to participate with a group that is run by someone dependable, who vets trustworthy members—no complaints over here."
She uses the funds to nurture her enterprise projects. "Currently, my new business is the lucky recipient. While the $5,000 is only a drop in the bucket when looking at the capital required to run the start up, every bit counts. If you can find a trust-worthy group with a great track record (and you're dependable yourself), it's worth checking out for sure. I've heard horror stories from others participating in other groups, so I would never blindy recommend them. As with everything, do your research and determine if it's the best fit for you."
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Meet the 'Banker'
Shana Cole, founder of The Shana Cole Collection and Soignee By Shana Cole, is another island girl with a knack for financial savvy that started at a young age. Jamaican-born, she led a partner as a teen. "I started sou-sou when I was in high school. It was a way of savings for me. I used to save to buy my outfits and things that my parents wouldn't buy me. I've been joining with credible people since then and I now run a couple which are all successful."
Cole said she's been able to buy a car, get inventory stock for her business, finance awesome vacations and pay off debts. "I'm about to pay off my student loan [with savings from] my current one. I've even seen people use it for a down payments on a house."
Cole warns that those interested in participating must understand risks like a shady "banker" running off with the money, and her concerns echo that of experts who advise consumers to avoiding scams, especially savings group advertisements that are sent from random Facebook, Instagram, or Twitter accounts.
Image via Giphy
So, should you join an informal savings group or "partner" to reach your financial goals during the pandemic? My verdict is to proceed with caution, do your research, and be sure you are comfortable handing your hard-earned money to the people involved. If you have doubts, just don't do it sis.
Financial literacy advocates have even said that some people looking to participate should instead invest in the usual options of interest-bearing savings accounts, stock market investments, small loans, or financial advisement from a certified professional to cultivate debt reduction plans. There are also a plethora of employment, housing, business, and other resources for people struggling financially due to the pandemic. (There are a few good ones here, here, here and here.)
All in all, as my Granny would say, "Don't write a check you can't cash, and don't get into a pickle you can't eat." If you're already in a financial bind, this definitely isn't a good option, and it really shouldn't be something you think of as a "get rich quick" solution. Traditional sou-sous do not focus on profit but on savings, so if you hear promises that you'll make a certain amount after a specific short period of time, you might have the making of a pyramid scheme on your hands and a great reason to just say no.
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RELATED
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
It’s not like it has to be a bad thing. In fact, studies say that somewhere around 15 percent of engaged couples actually met through a friend. All I’m saying is, before you entertain someone’s “I’ve got someone I want you to meet” invitation, it would benefit you to interview them first — for the sake of all parties involved.
The questions that I recommend asking? The following six are what I think can get everyone on the same page, so that there is more pleasure than regret from the hook-up attempt.
1. Why Are They So Invested?
GiphyTwo things that I recently watched over again are the series Survivor’s Remorse (the writing is so damn good) and a movie called Trapped in Temptation (both are currently on Tubi). Something that both of them made me think about is the fact that motive reveals a lot when it comes to why people say and do the things that they do.
When it comes to the movie, specifically, without giving the film away — let me just say that, if you are in a relationship, be really careful about listening to individuals who try to talk you out of maintaining it. More times than not, the motive is shady as hell. And honestly, sometimes people who are close to obsessed with you being in one deserve a bit of side-eye too.
Now, if it’s someone who loves all things love, they are in love and they want you to experience something similar — that’s sweet. Just make sure that they are approaching the set up from a healthy space. What I mean by that is they don’t see singleness as some sort of relational handicap or they aren’t trying to override what you want for your life as if they somehow know better (there are so many ways to be a control freak, y’all).
Hmph. Now that I think about it — make sure that the set-up crew isn’t trying to use you to “save” some male friend or relative of theirs. I say that because I once knew a mother whose son had — count ‘em — 10 kids and she was FOREVER trying to get me to date him. Girl, that wasn’t for me. She was looking for a Holy Ghost Jr. for that child of hers. I’ll pass. HARD PASS.
Bottom line with this one — if someone wants to set you up with someone else, the first thing to ask is why? Make sure to really listen to what their answer is. Then pay attention to if your mind, body and spirit are at peace with their answer(s).
2. Do They Know What You Want?
GiphyI don’t know about y’all, but the people (and let’s be honest, by far, it’s usually women) who have tried to set me up with someone? They didn’t even know what my preferences or type was. Hell, they didn’t even know my thoughts or timeline as it relates to being in a serious relationship were either. And what that boils down to is they were trying to hook me up based on their agenda, not mine — and that usually meant that the guys who they came up with? Yeah…I was good on them. LOL.
Yeah, if someone wants to hook you up, you definitely should ask them if they know what you are looking for in a guy when it comes to his looks, personality, passions, spirituality, relational desires and goals, location, etc. Because, indeed, what is the point in going out with someone who is fine as hell and yet, you want kids and he doesn’t (or vice versa) or who has a great personality yet he isn’t even in the same ballpark of your spiritual beliefs?
If your friend really wants to help you out, valuing your time should come with that — and that means bringing someone into your life who complements your lifestyle. No wiggle room here.
3. Are They Aware of Your Deal-Breakers?
GiphyLast year, I wrote an article for the platform entitled, “Should Bad Sex Actually Be A Relationship Deal-Breaker?” The thing that I think needs to go on record about deal-breakers is they aren’t exactly standards that you have. No, a deal-breaker is something that can’t be worked out even after trying to negotiate or compromise. When it comes to relationships, a deal-breaker might be how long two people should date before becoming exclusive or getting engaged. Another deal-breaker might be if being religious is more important than being spiritual and how that manifests itself (church or no church, etc.). And yes, another deal-breaker may be what each other’s sexual needs and expectations are.
When someone is setting you up, it is imperative that they know about your standards. For instance, for me, I am not interested in dating a divorced person, pretty much ever (I Corinthians 7:10-11). I’ve had friends who have tried to hook me up with that demographic before and it has always been a moot effort. The fact that some of them have gotten frustrated with my convictions has absolutely nothing to do with me. Some have tried to get me to compromise my deal-breakers too — like a long-distance relationship. Is it a firm “naw”? No. However, it’s not really something that I am interested in, so why not just…recommend someone local?
Yeah, if someone thinks that they know you well enough to hook you up, they absolutely should be well-versed in what your deal-breakers are before they do. And if they’ve never asked, all they are doing is assuming — and we know what that typically means. LOL.
4. What Is Their Track Record?
GiphyIt’s kind of wild that we now live in a time when more couples meet online than they do through “old-fashioned ways” like via their friends (although some reports say that Gen Z is getting back to that) — and yet, here we are. Still, if you are willing to let someone play pseudo matchmaker in your life, you are well within your rights to inquire about their track record in that department. Have they hooked others up, successfully, before? Has any of their “Cupid work” caused both people to get exactly what they wanted out of the situation? If/when things went awry, why was that?
I know someone who is constantly trying to hook people up. Thing is, maybe 10-15 percent (no joke) of their efforts have proven to be positive and fruitful — and we’re talking about close to close to two decades of them doing it. Listen, time is too precious to be out here doing stuff ONLY to please other people. That said, if someone wants you to devote some time to one of their grand ideas, you are well within your rights to ask about their past and current success score when it comes to it.
5. Can They Keep Their Own Feelings Out of It?
GiphyWanna know if someone who is offering to do something for you is actually doing it more for themselves? If they try to make it be about them when things don’t go the way they would like, that is a dead ringer. An example? They post a message about you on social media and then question you about why you didn’t do the same thing in return. Another example? They do something for you and then throw it in your face during an argument. Still another example? They set you up with someone, it doesn’t work out, and suddenly you’ve put them in a weird spot. No dear — you put your own self in that position by trying to hook two people up in the first place.
I promise you, it will spare everyone unnecessary energy spent (or even drama experienced) if, before you agree to be hooked up, you get the matchmaker on record stating that they will keep their emotions out of it as much as possible. MEANING — they will do the introductions and then let the chips fall where they may. If they can’t do this, my two cents (save it or spend it) would be to decline the offer. Because all you need is someone texting you about why you haven’t called their cousin back or having an attitude with you when you break up with some guy at their church who they thought was the perfect catch (P.S. These aren’t hypothetical examples — LOL).
6. Will They Respect Your Boundaries? Start to Finish?
GiphyYeah, this final one is a biggie. Just because someone sets you up with another person, that doesn’t automatically or necessarily mean that they should have the right to the details of the dynamic. I don’t care if it’s the first date or the 10th date. I don’t care if you decide to just be sex buddies or to have a full-blown relationship. I don’t care if you stay together or break-up — it’s your relationship which makes it your business. Whatever you share is privileged data.
Yeah, I would say that probably the most challenging thing about being hooked up by someone you know is they have a tendency to think that they are a part of the relationship too — and that is a lie. If things go well beyond a couple of dates, you and the guy should discuss what you will both share with the person who introduced you and then agree to stick to that boundary, no matter what. It’s a great way to protect the dynamic, to keep “outside voices” from influencing the growth and to navigate how you want to move, moving forward.
Someone who hooked you up for the right reasons and knows how to honor limits? They will understand. Will they ask questions? Absolutely. Will they pry? Nah.
___
Should you sit and let someone hook you up? I mean, you never know how your blessing will come. Just make sure that they are prepared for you to do some digging into their mindset before they start sweetly meddling into your love life.
It’s only fair. Hell, and right. LOL.
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