With all the talk of inflation, heightened interest rates, and a recession looming, it’s easy to feel overwhelmed, especially after pushing through the hardships of a pandemic. If you can find inspiration and motivation to keep pushing through, just take a cue from someone whose mantra screams empowerment and fortitude no matter what life throws at us as Black women.
"We had a conference [recently] and one of our speakers said ‘You are your own economy.’ And I’m of the mindset, after working with coaches and being around people who are moving heavy in their industries, that we are our own economy," said Makeda Smith, CEO of Savvy Chicks In Real Estate, a Plainfield, IL-based marketing agency that offers community, events, coaching, and resources for women in the industry. "The economy may say that we’re looking at increased prices, but what are you going to do to meet the challenge?"
Women are finding financial freedom and empowerment through pursuing careers and businesses in real estate, representing 65% of realtors. (And it's notable that single women, in particular, are leading in homeownership, at 19%, compared with 9% of single men.)
Smith has built a lucrative career in real estate, becoming a multi-million-dollar producer and top-seller in her market. "It's from my hard work that I already put in the industry, being a top producer, that I’ve made an impact in the industry. Now, I’m able to take that same drive and shift it to help women in the business.
She is now working to ensure that Black women in the industry are able to leverage all opportunities to not only build wealth for themselves but also for those in their communities as well.
We talked more with Smith about how she got started, what has kept her passionate about the industry after almost two decades in the business, and how women can tap into a lucrative career despite the current economic climate:
Carl Ankrum of The Media MD
xoNecole: How did you get started working in real estate?
Makeda Smith: I got licensed in 2004, and it was after my husband had pestered me to go and get my license. He thought it would be a good opportunity for me to start a new career. I was coming out of [a career in] customer service. It was a completely different industry, and I wasn’t thinking about real estate until he pushed me. Eighteen years later, I’m still a licensed agent.
We launched our own brokerage in 2011. Then, in 2017, I launched my marketing agency to help women in real estate build their brands. It just came full circle.
xoN: What keeps you going after so many years in the industry, especially with the housing market's ups and downs?
MS: In the early years, [I had] the ability to help a family or an investor to purchase and sell real estate and have that be part of their wealth portfolio. Now, I’m passionate about helping the agents who have just started out in business or those who have been in business but [are] stuck and can’t get over a certain revenue hump. We have the inflation rate and gas prices are high, but people will always need a place to live and there's always opportunities.
Let's say last year, I was working with people who had a price point to where they couldn't get over showing people homes that may have been at $150,000. Those homes are $200,000 and $250,000, so a lot of the agents’ incomes are going up because the property values are moving up. It’s not like 2008 [during the Great Recession].
Carl Ankrum of The Media MD
xoN: It's good you mentioned that because some women might be a bit apprehensive about getting into real estate due to what's going on in the economy right now.
MS: If you’re a new agent coming into the business, it’s no different than when I got into it in 2004. You have to find your lane and you have to go hard in that lane. You have to have a strategy and a plan. Then you have to have a made-up mind that 'I'm going to go for this.’ Figure out how you are going to carve your own space within the saturated market. It was saturated in 2004, it was saturated in 2008, and it’s saturated now.
"If you’re a new agent coming into the business, it’s no different than when I got into it in 2004. You have to find your lane and you have to go hard in that lane. Figure out how you are going to carve your own space within the saturated market. It was saturated in 2004, it was saturated in 2008, and it’s saturated now."
A lot of people are saying that these are times that we will find people leaving the industry, but then you will find out what agents are really made of — those who stay in the industry, who find a way around the noise and distractions.
xoN: How do you carve a niche, though? What actions did you take?
MS: I did not sell traditional real estate. I said, 'Okay, how can I get more listings faster so that I am not doing as much legwork to find new clients?' I began to study and figure out how I could work with a bank like Chase, Fannie Mae or Freddie Mac who already had a bulk of listings and say hey I’d like to be your go-to agent. If you have any foreclosures in your area, I’d love to be your broker on that.' And that’s how I became a top producer. In 2007, when I made top-earner status, I had to bring my husband on in because I couldn't handle all of it myself.
Then we both made at least $100,000 each. We had never ever seen anything like that in our lifetime.
Carl Ankrum of The Media MD
xoN: Some of us struggle with networking and forging relationships. How were you able to do so with the housing and banking institutions?
MS: It's not as easy as people say. I went to a conference in Dallas and it was geared toward businesses that had assets. I said, 'If I could just get in front of them, give them my pitch, and bring them what I have to the table, let’s see if they’ll give me a chance.' I just started showing up at all of these different conferences. I’d hit up reps over and over again. The one thing I would say that worked is that time when I followed up with Freddie Mac over and over. They kept telling me no.
Then the rep finally came through with that yes. She gave me 50 listings that [they] can give you at one time and I was blown away. I finally heard that yes. I showed up where the people were. If it was me paying for a plane ticket plus a conference ticket and making sure I had money for food even when I was low on cash, I made that investment to show up where I needed to be for my ideal client. That’s how I became a top producer and my husband became a top producer.
"I showed up where the people were. If it was me paying for a plane ticket plus a conference ticket and making sure I had money for food even when I was low on cash, I made that investment to show up where I needed to be for my ideal client. That’s how I became a top producer and my husband became a top producer."
I always say, 'Stop being timid about your business.' Walmart is not timid about selling you their products or putting a commercial in your face. Target is not timid about helping you get into their stores to spend more of your money, so why are we timid when it comes to our own businesses? I don’t care if you are in your first $10,000 or half a million, we cannot afford to be timid about the businesses in which God has given us.
My mission is to help women in real estate have multiple streams of income that not only depends upon real estate transactions but you have digital products, courses Ebooks, and own paid events. Those are things that don’t teach you in real estate school and it's something I wish someone had done that for me. That keeps me going.
For more of Makeda, follow her on Instagram @makedasmithceo.
Featured image by Carl Ankrum of The Media MD
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Anyway, I personally think that the less shallow folks out here may contemplate calling things “quits” or they at least distance themselves a bit from their partner (and what I’m referring to is serious relationships) due to all of the stress and strain that oftentimes comes with the holidays whether it be financial, familial, due to their tight schedules or something else.
Listen, I would hate for you and your man to miss the fun and happiness of experiencing this time of year, all because you are so overwhelmed or irritated that you can’t really enjoy it. That’s why I have a few practical tips for how to avoid allowing the typical holiday season stress from INFECTING your relationship.
Manage Your Expectations
GiphyUnmanaged expectations. If there is a main reason why the holiday season tends to be so stress-filled for so many people, I’d bet good money that this is the cause. And when you’re in a long-term relationship, expectations can manifest themselves in all sorts of cryptic and/or unexpected ways. You might have relatives who assume that you are going to be with them for Thanksgiving or Christmas when you have other plans in mind. You might be thinking that you are going to spend one amount for presents while your man is thinking something totally different. When it comes to scheduling, your signals may be crossed.
And you know what? To all of these scenarios, this is where clear and consistent communication come in. Don’t assume anything. Don’t dictate anything either. From now until New Year’s, mutually decide to check in once a week, just to make sure that you are both on the same page as it relates to the holidays and what you both are thinking will come along with it. The less blindsided you both feel, the less stressed out you will be. Trust me on this.
Set (and Keep) a Budget
GiphyOkay, so I read that last year, 36 percent of Americans incurred some type of holiday-related debt. Hmph. Last year, there was still some sense of normalcy in this country, chile, so I can only imagine what finances are gonna look like over the next several weeks. That said, since I don’t know a lot of people who don’t find being broke stressful, make sure that you and your bae set a budget and then stick to it this year — no ifs, ands or buts.
Because really, y’all — it doesn’t make sense to deplete savings and/or max out credit cards for a few days of giggles only to be damn near losing your mind because you don’t know how to make ends meet come Dr. Martin Luther King, Jr. Day.
And by the way, this tip doesn’t just speak to things like food and gifts; I also mean travel. If it doesn’t make a ton of sense (or cents) to be all over the place this year — DON’T BE.
Keep Matthew 5:37 at the Forefront
GiphyIf off the top of your head, you don’t know what Matthew 5:37 says, no worries, here ya go: “But let your ‘Yes’ be ‘Yes,’ and your ‘No,’ ‘No.’ For whatever is more than these is from the evil one.” That verse right there? Oh, it’s a boundaries lifesaver! I say that because do you see “maybe” or “I’ll think about it” in there? Nope. LOL. It says that you should tell people “yes” or “no” and leave it at that — and that complements Anne Lamott’s quote, “’No’ is a complete sentence” impeccably well. Yeah, you’ve got to remember that anything beyond a yes or no to a request is privileged information; you don’t owe anyone details or an explanation.
Besides, if you are really honest with yourself, when someone asks you something and you give a “Umm, let me think about it” kind of reply, more times than not, you already know what your answer is going to be — so why not let you both off of the hook? Give your response. Commit to that. And let everyone (including yourself) get on with their lives and schedules.
I promise you that when it comes to those holiday parties, you are pissing more folks off by not RSVP’ing or doing so and not showing up than just saying, “Thank you but not this year” off the rip.
Remember That Your Personal Space Is Privilege Not a Right
GiphyA friend of mine recently bought a new house and invited me over to come see it. He’s a single man with no children, so as I was taking in all of the space that he had, especially as I walked through his finished basement, I joked about relatives coming to live with him. “Hell no” and “absolutely not” were pretty much his immediate responses as he went on to say that some folks even had the nerve to be offended when he told them that he had no intentions on taking DNA in.
Ain’t it wild how people think that your stuff is their right? And yes, that brings me to my next point. Your home is your sanctuary space. If you want to host folks this year — cool. If not, ALSO COOL. Please don’t let folks (family included) guilt you into how they want you to act or even into what they would do if the shoe was on the other foot. You are not them — and as one of my favorite quotes states, “If two people were exactly alike, one of them would be unnecessary.” (A man by the name Larry Dixon said that.)
Hell, my friends? They know that I am good for sending them random things that they need or even want all throughout the year. Coming over to hang out at my pace, though. Uh-uh. Chalk it up to being a card-carrying member of the ambivert club yet I like keeping my living space personal — and I sleep like a baby, each and every night, for feeling that way.
Always remember that your space, your time, your resources, your energy and shoot, yourself period (including your relationship), are all things that are your own. You get to choose how, when and why you want to share them. The holiday season is certainly no exception.
Cultivate Some “You Two Only” Traditions
GiphyIt’s not uncommon for some couples to hit me up after the holiday season to “detox.” Sometimes it’s due to the financial drama (and sometimes trauma) that they experienced. Sometimes it’s because they allowed their relatives (especially in-laws) to get more into their personal business than they should’ve. More than anything, though, it tends to be because they didn’t get enough quality time together and so ended up feeling “disconnected.”
Please don’t let that happen. Listen, I’m not even a holidays kind of woman and yet, I will absolutely sit myself down with some hot chocolate and chocolate chip cookies to enjoy a Hallmark holiday film or two. Aside from the fact that most of them are lighthearted and sweet, I also like that they usually focus on couples loving on each other amidst all of the holiday beauty and ambiance — which is something that all couples should set aside some time to do.
Maybe it’s a vacation. Maybe it’s a staycation. Or maybe it’s my personal favorite, A SEXCATION. Whether it’s for a few days, the weekend or even overnight — don’t you let the holidays go by without setting aside time for you and your man to celebrate one another. Don’t you dare (check out “Are You Ready To Have Some Very Merry 'Christmas Sex'?”).
GET. SOME. REST.
GiphyI once read that 8 out of 10 people get stressed out over the holidays and 3 out of 10 lose sleep during to it — and when you’re stress-filled and sleep-deprived, that can absolutely lead to hypersensitivity, making mountains out of molehills and even not being in the mood for sex.
Your relationship can’t afford to go through any of this, so definitely make sure to prioritize rest. I don’t care how unrealistic it might seem during this time, sleep should never be seen as a luxury; it will always and forever be a great necessity.
That said, try to get no less than six hours of shut-eye in (check out “6 Fascinating Ways Sex And Sleep Definitely Go Hand In Hand”) and even ask your bae to take a nap with you sometimes (check out “Wanna Have Some Next-Level Sex? Take A Nap, Sis.”). Not only will sleep help to restore your mind, body and spirit but, when it’s with your partner, it’s an act of intimacy that can make you both feel super connected, even in the midst of what might feel like chaos.
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Holiday season stress is real. Still, never give it the permission or power to throw your relationship off. Put you and your man first and let the holidays be what they are gonna be, chile.
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At the same time, though, it’s one thing to age; however, it’s another thing, entirely, to prematurely age — and that is what we are going to get into today: things that you can find yourself doing that can rush the season that you are supposed to actually be in as far as aging is concerned. And one of those things includes the kind of relationships that you choose to get (or remain) in.
Are you ready to learn how to choose wisely as far as your aging seasons go? Wonderful.
Things That Naturally Speed Up the Aging Process Overall
The reason why I am starting this off with a clip from the podcast ReLiving Single is because, if there is one person who I think is aging so beautifully and gracefully, it’s Queen Latifah. Personally, I like that she isn’t trying to look half her age and yet she still looks really, really good.
I’d venture to say that a part of the reason why is that she really does seem to “stay out the way” as far as dramatic celebrity culture goes which definitely can make one’s life less stressful — and there is quite a bit of proof that the less stressed out you are, the more you are able to slow down the aging process (more on that in just a bit). So, salute to you you, Queen. Salute, indeed.
Other than stress, you know what other things can speed up the (physical) aging process:
- Eating processed foods
- Wearing too much eye make-up (all of the time) and/or sleeping in your cosmetics
- Drinking out of straw (too often)
- Consuming too much coffee
- Not taking care of your teeth
- Not getting enough exercise
- Being consumed with/by negativity
- Stressing out your nervous system by being on your devices all of the time
- NOT PRIORITIZING REST
- Not having a quality social life
That last one? Watch how I connect the dots between it and the kind of friendships that you have. Because the reality is that if your relationships are causing stress, drama and/or trauma, are making you feel lonely rather than supported and/or they have you out here doing most of the work just to keep them going, that is absolutely going to age you, physically, mentally and emotionally, far faster than you should be aging.
How Friendships Impact How You Age
GiphyA couple of years ago, the American Psychological Association published an article entitled, “The science of why friendships keep us healthy.” The CliffsNotes are this: according to science, individuals who have HEALTHY FRIENDSHIPS report being more satisfied with their lives, are less likely to deal with depression and, physically, they are diagnosed with less diseases and end up living longer overall as well. In fact, it goes on to say that those who have no genuine friendships or poor quality ones are twice as likely to die prematurely.
A part of the reason is because good friendships equate to experiencing less stress which means that our health is in better condition, along with our brain. On the cognitive tip, that’s good to know because these types of relationships also motivate and inspire us to make plans, set goals and to become better people overall.
And that is why friendships can absolutely affect how you age as an individual. Yep, according to science, when your friendships are solid, intact and consistently that way, it can literally slow down your biological clock in the sense of your system experiencing less chronic inflammation (which can lead to diseases) and your cortisol levels being lower.
You know, I’ve written articles in the past that feature warning signs of having unhealthy friendships in your midst. Some of them include “10 Signs You’ve Got A Close (TOXIC) Friend,” “Why Friendships Should Come With Deal-Breakers Too,” “7 Signs Your Friendship...Actually Isn't One,” “Ever Wonder If A Friend Is Just...Not That Into You?” and “5 Signs Your Closest Friends Are The Most Envious Of You” and, as you can see, to be in a relationship with someone who really isn’t good for your mind and/or body and/or spirit?
Not only could it literally be putting your mental health and emotional well-being on the line, it could actually cut your life short too. And who in the world is possibly worth risking that? NO ONE.
Circling back to the ReLiving Single podcast, everyone appears to still be friends; they also seem to be thriving in their own special and distinctive ways as well. That is the goal that we all should have in our own friendship dynamics, don’t you think? Not either/or. BOTH.
So, in honor of aging wisely, well and gracefully as far as your own friendships are concerned, I’ve got a few tips to keep your own friendships on track.
5 Tips for Choosing Friends Who Keep You “Youthful”
GiphyFashion designer Karl Lagerfeld once said, “Youthfulness is about how you live, not when you were born” and when I think about synonyms for youthful like active, fresh, keen, vigorous and buoyant, I would absolutely have to agree.
So, how do you go about selecting friends who can help to keep you in this type of youthful head and heart space?
1. Cultivate friendships where you feel safe. Because several things about my childhood were unsafe, I spent many years selecting friends who were the same — and that will absolutely stress you TF out. At the end of the day, being in safe friendships is all about surrounding yourself with individuals who you can trust, who help you to feel secure while in and out of their space and who don’t come with a lot of emotional or relational risk. If you need some help figure out what that looks out, read Safe People: How to Find Relationships that are Good for You and Avoid Those That Aren't. It never disappoints.
2. Hang around people who don’t stress you out. Aight, you already saw that stress ain’t good — so definitely avoid people who are stressful — who are always in some drama; who never takes accountability; who like to play the victim; who constantly gaslight and deflect; who are unreliable and/or inconsistent; who take more than they give; who talk more than they listen — you get where I’m going. The reality is a lot of serious health-related issues (like heart disease, depression, headaches, weight gain, strokes and insomnia) are directly connected to stress. That said, always remember that friendships are supposed to enhance your life. If you’re not feeling your best because of some “friend”? It’s time to do some serious reevaluating. Your health depends on it. LITERALLY.
3. Spend time with friends who hold you accountable. Want to know another sign of a toxic friend: they don’t want to be held accountable and/or they don’t want to hold you accountable. Whew, I am so sick of people living by the totally f’ed up motto that if someone is their friend, they should back them no matter how ridiculous their choices may be. Nah, if something is going to cause hurt, harm or danger — you are a horrible friend to cheer that stuff on and/or they are a horrible friend to back you in your toxic decisions. Love means telling people things that they don’t want to hear sometimes in order for them to dodge foolishness. Mature and healthy friendships know this to be true.
4. Commit to friends where mutual reciprocity is evident. Back when my house burned down and I was trying to find a new place to stay, a friend of mine gave me some real money to put towards my down payment (because I also lost one of my main-paying gigs a month later). Fast forward to this year and she was in a bind, so I gave her some real money to bankroll a project. THAT’S WHAT RECIPROCITY LOOKS AND LIVES LIKE. A part of the reason why good friendships slow down aging is because they help us out in times of need so that we don’t feel like we are out here alone. That said, if you’re wondering if your friendships are worth a damn, ponder if you can consistently rely on each other; even if/when it’s (sometimes) inconvenient to do so (check out “Life Taught Me That True Friendships Are 'Inconvenient'”).
5. Surround yourself with friends who celebrate you. Question: Do your friends CELEBRATE you? Believe it or not, that is another way that they can play a role in you aging gracefully. That’s because, according to science, celebratory activities can reduce your stress levels, help to put/keep you in a good mood, prevent loneliness and isolation and make you feel like you are a priority in the lives of others. Think about the last time your friends made a big deal outta you? It will reveal quite a bit.
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Again, there is absolutely nothing wrong with aging. Case in point, every day, someone doesn’t make it to the age that you currently are — and that’s real. Just make sure that you aren’t doing things that “age you” before your time. This includes choosing friendships that put frown lines on your face instead of laugh ones.
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