Our Services
Money Talks!
We provide 1:1 financial accountability coaching services through our Money Talks! program under XPIRE. We require all clients to review our Financial Literacy 101 slide deck and complete our Introduction Session before beginning their 1:1 weekly accountability check-ins. Completing both will prepare you and your Financial Accountability Coach for your financial journey. The Introduction Session is $50 and Weekly Accountability Sessions are $15 each. XPIRE recommends at least 6 months of weekly accountability sessions.
Introduction Session: Financial Literacy 101 Video, Meet Your Financial Accountability Coach, Review What Your Numbers Are Saying, and Create Financial Plan. After completing this session, you will receive a Certificate and a Money Talks! wristband.
Weekly Accountability Check-ins: Meeting to discuss weekly transactions to ensure that you are on track to reach your financial goal(s).
Budget Template: Weekly updates by your accountability coach based on clients data submissions.
XSpeaks
Need a inspirational/motivational speaker for your event? Xavia “X” Gary is the man for the job! His life’s experiences, educational journey, athletic background, and passion to help others will bring life to your event! Contact him at Xspeaks@xpirellc.com for booking information or use the button below.
My Story
I was born and raised in the inner-city of Richmond, VA in a single-parent household. Showered with unconditional love, unwavering support, and plenty of knowledge and wisdom from my mother and grandmother taught me some viable life lessons that would prepare me for adulthood. Those life lessons were in the areas of Faith, Love, Respect, Understanding, Compassion, Empathy, Courage, Confidence, Hard Work, Resiliency, Character, Integrity, Selflessness, and so much more. I was faced with a few challenges in my life but I did not let anything stop me from reaching my goals/dreams! My mindset has always been to challenge the status quo and to defy all odds by being the best that I can be!
After graduating Top 3 in my senior class, I decided to take the road less traveled and attend James Madison University, where I became the first in my family to graduate from a college/university with my B.S. in Sports and Recreation Management. I decided to continue this educational journey by attending Virginia Commonwealth University, where I received my M.Ed. in Sports Leadership/Administration and becoming the first in my family to earn a master’s degree.
In 2017, I accepted the position to serve as Carver Academy’s first Athletic Director. This also made me the youngest High School Director of Student Activities/Athletic Director in Virginia and held that title for 6 out of 7 years in that position. I am also the youngest in Virginia with my State/National C.A.A. (Certified Athletic Administrators Certification).
I now explore the space of entrepreneurship, where I can be more creative and flexible to help people reach their highest potential through inspiration and motivation!
My Credentials:
Bachelor of Science, James Madison University ‘15
Master of Education, Virginia Commonwealth University ‘18
High School Business Teacher
VDOE Professional Teaching License in Business and Information Technology
Certified: Personal Financial Literacy
Certified: Credit Card Debt Management
Certified: Personal Finance and Credit
About
My name is Xavia Gary, but you can just call me X. I serve as the Owner of XPIRE and Financial Accountability Coach for Money Talks! My teachings are a combination of scriptures from the Holy Bible and practical personal steps to improve your financial situation. My goal is to meet you where you are and help you reach your financial goals. I provide judgement-free, confidential, and professional financial coaching services.
I focus on four major areas: Budgeting, Getting Out Of Debt, Managing Money, and Saving. If you need help in at least one of those areas, I am your guy! I started Money Talks! to help people understand what their money is saying, so that they can take back control and tell it what to do. Getting involved with Money Talks! will help you increase your confidence and financial literacy through education and application.
My Financial Journey
In 2015, I became the first in my family to graduate from a college/university. This was a huge accomplishment for myself and my family, but it also came with debt. Around $60,000 in student loans and $5,000 in credit card debt. I was under the impression that once I graduated with a degree, I would start to make “big money”. However, that was not the case for me. I did not make over $20,000/year until 2019. As a result, my total debt increased from $65,000 to almost $100,000; this included more student loan debt, maxed out credit cards, and my “dream car”. After learning from my past financial choices, I made the conscious decision to make a change. Through Faith, Hard Work, and Consistency, I was able to reach my financial goal of becoming DEBT FREE in September 2023 and increasing my credit score to over 800! I would like to share my knowledge and wisdom with others to help them reach their financial goals. Get started today by booking your Introduction Session!
