Hello LizzieMcBride, how are you?
I am an independent consultant and user like you!
I'm happy to help you!
You need to release an option in your Microsoft account settings.
Follow the steps below:
> Close Minecraft if it is open
> Access the website https://account.xbox.com/en-us/Settings
> Sign in with your Microsoft account
> In the left side menu, click on "Online privacy and security"
> Now click on "Xbox One / Windows 10 Online Security"
> Mark the options below (or as many as you like) as "Allow"
- You can play with people outside Xbox Live
- You can participate in multiplayer games
> Click Submit
If you still have a problem I hope your answer!
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Best Regards