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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Kayla Nicole says she wore a dress that was once worn by Braxton herself for the Halloween costume. “It’s not a secret Toni is more on the petite side. I’m obsessed with all 5’2” of her,” she tells xoNecole via email. “But I’m 5’10'' and not missing any meals, honey, so to my surprise, when I got the dress and it actually fit, I knew it was destiny.”
The episode was the perfect way for the multihyphenate to take control of her own narrative. By addressing the viral moment on her own platform, she was able to stir the conversation and keep the focus on her adoration for Braxton, an artist she says she grew up listening to and who still makes her most-played playlist every year. Elsewhere, she likely would’ve received questions about whether or not the costume was a subliminal aimed at her ex-boyfriend and his pop star fiancée. “I think that people will try to project their own narratives, right?” she said, hinting at this in the episode. “But, for me personally – I think it’s very important to say this in this moment – I’m not in the business of tearing other women down. I’m in the business of celebrating them.”
Kayla Nicole is among xoNecole’s It Girl 100 Class of 2025, powered by SheaMoisture, recognized in the Viral Voices category for her work in media and the trends she sets on our timelines, all while prioritizing her own mental and physical health. As she puts it: “Yes, I’m curating conversations on my podcast The Pre-Game, and cultivating community with my wellness brand Tribe Therepē.”
Despite being the frequent topic of conversation online, Kayla Nicole says she’s learning to take advantage of her growing social media platform without becoming consumed by it. “I refuse to let the internet consume me. It’s supposed to be a resource and tool for connection, so if it becomes anything beyond that I will log out,” she says.
On The Pre-Game, which launched earlier this year, she has positioned herself as listeners “homegirl.” “There’s definitely a delicate dance between being genuine and oversharing, and I’ve had to learn that the hard way. Now I share from a place of reflection, not reaction,” she says. “If it can help someone feel seen or less alone, I’ll talk about it within reason. But I’ve certainly learned to protect parts of my life that I cherish most. I share what serves connection but doesn’t cost me peace.
"I refuse to let the internet consume me. It’s supposed to be a resource and tool for connection, so if it becomes anything beyond that I will log out."
Credit: Malcolm Roberson
Throughout each episode, she sips a cocktail and addresses trending topics (even when they involve herself). It’s a platform the Pepperdine University alumnus has been preparing to have since she graduated with a degree in broadcast journalism, with a concentration in political science.
“I just knew I was going to end up on a local news network at the head anchor table, breaking high speed chases, and tossing it to the weather girl,” she says. Instead, she ended up working as an assistant at TMZ before covering sports as a freelance reporter. (She’s said she didn’t work for ESPN, despite previous reports saying otherwise.) The Pre-Game combines her love for pop culture and sports in a way that once felt inaccessible to her in traditional media.
She’s not just a podcaster, though. When she’s not behind the mic, taking acting classes or making her New York Fashion Week debut, Kayla Nicole is also busy elevating her wellness brand Tribe Therepē, where she shares her workouts and the workout equipment that helps her look chic while staying fit. She says the brand will add apparel to its line up in early 2026.
“Tribe Therepē has evolved into exactly what I have always envisioned. A community of women who care about being fit not just for the aesthetic, but for their mental and emotional well-being too. It’s grounded. It’s feminine. It’s strong,” she says. “And honestly, it's a reflection of where I am in my life right now. I feel so damn good - mentally, emotionally, and physically. And I am grateful to be in a space where I can pour that love and light back into the community that continues to pour into me.”
Tap into the full It Girl 100 Class of 2025 and meet all the women changing game this year and beyond. See the full list here.
Featured image by Malcolm Roberson
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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