Money Talks is an xoNecole series where we talk candidly to real women about how they spend money, their relationship with money, and how they get it.
Douglas and Dr. Atiya “Blondie” Parson are a celebrity realtor power couple with a notable client list that features some of the industry’s biggest heavy hitters, such as rapper T.I., restaurant entrepreneur Pinky Cole, Love and Hip Hop Atlanta reality star Sierra Gates, and more. The couple has made as much as $200,000 from one sale as real estate agents and consistently make over six figures by flipping homes. While their success is groundbreaking, their thought process is pretty standard. They believe real estate breeds wealth, budgeting is essential, and you should keep your goals major and top of mind.
Now, the duo have made it their mission to share their knowledge. Through We Nailed It! The Blueprint for Real Estate and Relationships, available on Amazon and everywhere books are sold, and their YouTube channel, they’re determined to share their learnings with the culture. “The richest person is always going to invest in real estate, but you don’t have to be rich to invest in real estate,” says Doug. Check out our transparent convo below.
Tell me a little bit about yourself.
Blondie: Well, I’m one of six kids from Indianapolis, Indiana. I went to a private school, but I still grew up below-middle class. Actually, my mom cleaned up after hours to help cover my tuition – so I knew the importance of education early. Later, I went to an HBCU in Ohio, and it just so happened my mom moved to the Virgin Islands right after my senior year of high school. So I decided to get an apartment, but it was too much, and I had to go home. Around that time is when I met Doug; we dated for like a year before things occurred that caused him to do a lifestyle change, and he moved to Kentucky. I ended up following him there, getting married, finishing school in Kentucky, and I’ve been in education for almost 25 years. But along with education, I’ve been helping my husband; I’ve been licensed for a little over three years. Now, we’re in partnership doing all things real estate.
Doug: I’m also from Indianapolis, Indiana. My first love was football, and I’ve always loved shiny things. So it’s a terrible thing to say, but I was in the drug trade for years. I had a child at 15 and had become huge in that industry. But I knew I wanted to do something different with my life, and I changed everything in 1996. So Blondie and I kept pushing on. We came to Atlanta after being in Kentucky for four years. And I met a young lady who really inspired me in real estate. That’s really how I got started. I got in the flipping game years ago, and now we’ve got a #1 best seller.
Let’s go back. Can you tell me about how you were spending before becoming responsible with money?
Doug: I definitely had to learn the hard way about spending. Being an ex-hustler, I always had excess money. Even in real estate, you stop thinking about spending because it’s coming back so fast. But at the end of the year, when you look at everything, it makes you want to cut back and change your ways. Even though we have a lot of luxury things, we had to learn how to write things off and save. I’ve learned what things you can cut off (do without) – because it’s a necessity in our business.
Blondie: It’s funny that Doug said he had to work on the spending because when he decided to change his life, we had times where we really didn’t have money. We had to learn how to budget. But even while we’re in a different space, I still like to live under my means. People say you should live within your means, but if you’re working on a certain goal you have to live under your means.
"We had to learn how to budget. But even while we’re in a different space, I still like to live under my means. People say you should live within your means, but if you’re working on a certain goal you have to live under your means."
Dr. Atiya “Blondie” (L) and Douglas Parson (R)
@iamrealestate1/Instagram
If you don’t mind me asking, how much do you make annually, or what’s a typical month look like for you?
Doug: Me and Blondie are real estate agents, but we’re also master flippers. In a month, I’ve made close to $200,000 just off sales. Then, in regards to flipping, we make six figures all the time. One of our goals is to show the culture how to do this. Also, we’ve been together for like 28 years, we want to show people how to stick together and make money.
Wow. Okay, so you have to tell me more about how this actually works. In layman's terms, how would you explain the difference between a real estate agent and flipping homes?
Blondie: The big difference is that a real estate agent helps people if they want to buy or sell a home. But if you’re only a flipper, you’re only an investor; you don’t have to be licensed. But we try to educate people on the importance of getting your license. Once we find the property, we make sales as an agent and an investor.
Talk to me more about your multiple streams. How does it play a part in your financial journey?
Doug: We try to maximize the whole real estate game. We’re real estate agents, flippers, and we have a property management company. Plus, we’re working on a show and have our book. So it’s all real estate. I’m in love with real estate - so that helps.
That can be a lot coming in and out. Do you guys budget? How have you made it part of your routine?
Blondie: I’m the budget queen. I write it all down. Now, I use Google Docs, but when we first got together, I had our “infamous notebook.” I get anxious when I see money going out, and I don’t know where it’s going or how I’m getting it back. And you have to do that when you have multiple streams, and you’re trying to reach a goal.
Doug: Yeah, you’ve gotta cut the fat off. Only spend what’s needed.
Are there any budget must-haves you recommend? What tangible tips or advice can you offer for people who are creating or revising theirs?
Doug: We like fine dining. You know how TikTok is in Atlanta. But you’ve got to cut that down on how much you’re eating out, also be aware of your entertainment – especially in Atlanta. You have to have a realistic budget for food and entertainment.
But do you two have any splurges? What’s your thing you just have to buy?
Doug: My splurge has been designer shoes since I was a child. That is one of the things I have to plan for – I can’t just go to designers whenever there’s a sale. But I write some stuff off, too, because it’s part of my “costume.”
Blondie: I’m the coupon queen, but I splurge on my nails. But my nails are over the price of the usual nails. I’m going to get designs and everything, but that’s my thing. I have to have it.
Dr. Atiya “Blondie” (L) and Douglas Parson (R)
Paras Griffin/Getty Images for BET
I get it. Now, let’s go in the other direction. What are your current savings goals?
Doug: One of my goals is to have one million dollars sitting. A lot of people think I have it already, but that’s just in assets. I’m going to get there, though. I’m well on my way.
Blondie: I want to condense and have less bills. I don’t like a lot of debt. Like credit cards, when I use them, I pay it off, and I recommend paying off what you can. For example, if you can pay off your car insurance for the year – do it. If you have it, get it out the way.
"I want to condense and have less bills. I don’t like a lot of debt. Like credit cards, when I use them, I pay it off, and I recommend paying off what you can. For example, if you can pay off your car insurance for the year – do it. If you have it, get it out the way."
Let’s get into unhealthy habits. Were there any practices you had to unlearn before getting to this point?
Doug: We have a small fleet of cars. So, every Sunday, the mobile guy would come and wash the cars. But after a while, we noticed how it added up. Now, I’ve made that part of my workout to wash my car every week. It saves money and keeps me active.
Blondie: For me, it’s my nails again. I don’t get them done all the time. I let them last. I’ll ride that design out a little longer and do what I have to. Also, there’s been times I’ve gotten my nails done and not really liked them, not said anything, and had to get them done again in a couple of weeks. That’s not good. It’s just about making better decisions.
What are your money mantras/affirmations that could keep you motivated?
Doug: If I’m not in the mode, I say, "Let's get it.” You’ll notice that’s on a lot of my social media posts. That’s my thing!
Blondie: Part of my daily prayer is to use my tools to not only help people but allow them to be lucrative to me. Like for our book, I hope it helps other people and it makes money.
Speaking of, what inspired you to create We Nailed It! The Blueprint for Real Estate and Relationships?
Doug: We wanted to inspire the culture. I see so many kids coming from my background being hustlers or never really having anything. But then someone passes away, and they come up on money and don’t know what to do with it. So we’re trying to show them it’s not hard to sell homes and flip houses. And we’re changing lives in real life. We’ve made millionaires. So, our goal in writing books is to show that you can get money together, and I want it to be a blessing to others.
Blondie: Also, I wanted to talk about building a strong relationship in business and two people working together. Two is better than one.
Finally, is there any advice you can give to readers who want to improve their finances or get into real estate?
Doug: CUT OFF ALL THE FAT! Get rid of everything that’s not essential for you right now – put that money in an account now. Next, get your credit together – keep it at like 30%. What we try to teach is if you can save $30K or $40K and leverage your credit, you can do it. So now you can go to Home Depot and use that for credit cards, now you’ve created your business. You have your down payment for a small flip, and when you have materials and stuff, you use your credit card. Now go pay it all off. Just by limiting your spending and saving, you can do it – that’s a quick way to get money. It’s not going to happen overnight, but it definitely can happen.
Blondie: I’m very visual, so I have a whiteboard where I visualize our goals. I recommend that. That way, you can reassess your goals. Don’t wait months, and don’t be afraid to make changes.
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Whether you're planning to meet a certain financial or fitness goal, or you're simply trying to maintain and build on the progress you made this year, having something to look forward to is always a good look. Setting actual goals, according to research, actually leads to more success than just playing things by ear. So here are a few to get you started, sis:
(Disclaimer: Not everything is for everyone, so do like my Granny always says: "Eat the meat. Spit out the bone." Take on five out of the 40 and focus on that for the remainder of the year, or do them all. Either way, this is just to get you started.)
40 Ways To End The Year Strong and Inspired
Money Moves
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1. Increase your retirement (or other savings/investment) contributions by 1%.
Experts have found that you could be leaving money on the table by not upping your contributions when you can.
2. Cancel two to five subscriptions.
You could be missing hundreds, even thousands, of dollars a year due to sneaky price hikes and "updates."
3. Create a "fun" in a high-yield savings account.
This is especially important if you struggle with the dreaded b-word (budget) and will make next year's efforts a lot less intimidating. Even if it's $10 a month, do it.
4. Put on your big-girl panties, and set up automatic transfers and payments for at least one bill.
It reduces the stress of managing bills, lessens the chance of a missed payment---and the fees that come with that---and there can be cost savings for doing so.
5. Invest in a cleaner or housekeeping service.
Bosses who value their time (and mental health) invest their dollars into areas where the time they'd spend doing those tasks themselves could be better used to focus on other money-making projects. (And yes, rest is part of that.) Get a housekeeper, sis, or drop off that laundry, even if it's once per month.
6. Donate to a charity.
Beyond the tax benefits, it's a win-win for the greater good of communities you care about.
7. Review your insurance policies and negotiate a better rate (or move on) before their end dates.
Experts often agree this is a small but mighty step to take each year, especially since insurance rates are competitive, you could be spending more money than you need to (or not enough) and your insurance rates can affect your mortgage payments.
8. Call your loan provider and refinance.
As interest rates fall, “millions of borrowers may be able to refinance and get more affordable payments. As interest rates eased down to 6.5%, about 2.5 million borrowers could already refinance and save at least 75 basis points (0.75%) on their interest rate,” the Consumer Financial Protection Bureau reports. You can also refinance student and other types of loans.
9. Stop buying individual items and stock up via going bulk.
Research has found that, among 30 common products, buying in bulk could save you 27% compared with buying in lower quantities. Water, paper products, and baby products like diapers, toiletries, and garbage bags are the top items where people see the most cost-effectiveness. (This has been a lifesaver for me—children, large family, or not—especially when it comes to toothpaste, deodorant, toilet paper, and feminine hygiene products, saving stress, time, and money.)
10. Go cash-only for the holidays.
If you set smart goals and stick to limits on things like gifts, going out to eat, or groceries, you'll see the benefits of this. Cash-stuffing is one method recommended, but something as simple as taking a $10 bill out for lunch, disabling that card for an hour, and leaving your card in a safe place at the office can give you that mindset jump start to see how far you can take your money without the need to splurge.
Love And Romance
11. Say "no."
There are clear mental and physical health benefits to saying no including the setting of healthy boundaries, creating time and energy for other self-care activities, and protecting yourself from physically harmful situations (i.e. unprotected sex or abuse). Just say it, clearly and simply, when you need to.
12. Set a fun, free, adults-only date night for once a week or twice a month with your spouse.
If busy, high-profile folk have touted the success of this, even you can make the time for quality time with your partner. And it's even better when it costs nothing. The best connections are made doing something chill, challenging, or outside the usual dinner-and-a-movie date. Play a game that allows you to reconnect, take a walk in your neighborhood to chat and laugh, or try a little erotic chocolate/edible liquid/paint episode a la Mea Culpa.
13. Go out with Mr. or Ms. "Not My Type."
I love my man, but if I were waiting out for my "type" at the time, we wouldn't be celebrating seven (going on eight) years together. Sometimes having strict, unrealistic expectations for a spouse (especially related to things like height, physical features, or career path) is what's keeping you alone and lonely.
Take the pressure off and explore all your options. I'm not telling you to stop popping the balloon on the guy who earns $20,000 less than you if that's a hard no that Jesus himself told you to skip. I'm asking you to explore other options and see what else God might have out there for your love journey.
14. Immediately apologize and pray together.
I've learned that always being "right" isn't always ideal when you truly care about someone and you're in a relationship for the long haul. Defaulting to an apology when necessary, even when things aren't 100% resolved, is a good way to prioritize peace and save your energy for more worthwhile battles. Research has even supported the benefits of apologies in relationships, and how couples married for five or more years do it often.
15. Get a Rose and discover true self-love.
Do I really have to explain this? You've gotta know what satisfies you, and how better to figure that out than to practice self-love in the bed by yourself? You can also try this with a partner, but as a woman who got on this train very much later in my sexual activity journey. I have a lot more learning to do on my own, and even in a satisfying relationship, I like to find out new things about myself, by myself.
Figure out what you're into, watch what you want to watch, and read what you want to read to define pleasure for yourself. There's a freedom and empowering element there especially if you're used to prioritizing pleasing your partner.
16. Be direct and have the "money talk" with bae.
Money issues are one of the leading causes of divorce, so you need to have those conversations before you even think about marrying someone. And true, nobody can predict the future so you won't be able to avoid some challenges altogether, however, talking with your potential spouse about how they view money, their spending habits, and the pain points in terms of their approach to money management can at least give you a glimpse into what's in store if you do walk down the aisle, move in with them, or decide to share a bank account/business/child with them.
17. Invest in the "paid" version of that dating app.
I know plenty of successful, married folk who did this and met "the one" as a result. Let's be honest: The free version is for playing around. I had a lot of fun with my "free" profile back in the day, trust me. Upgrade that photo, profile, and package, and see if the quality of your dating adventures changes when you're serious about finding a true partner. Dating coaches and matchmakers cosign this.
18. Solo travel to meet that long-distance connection.
Sometimes, your perfect match isn't within 100 miles of you, and that's okay. Make it an adventure, enjoy the memories, and book that ticket. I met my man this way and it's been a whirlwind escape ever since. If you're not comfortable traveling solo, travel or (network to plan travel) with a group via Facebook.
Career And Business
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19. Schedule coffee or virtual meetups with smart people from your graduating class, previous employer, or current employer.
I have gotten many freelance opportunities by doing this. It's as simple as connecting and offering value (or simply learning how you can better equip yourself to do so.) It's also a great way to expand your network, spark new friendships, or find out about new job opportunities.
20. Invest in a well-made suit.
I don't care what industry you're in, a suit says "power," and it's not as old-school or out-of-style as you'd think. Plus the whole experience of looking for a new one (or getting one tailored) is fun and affirming. Try these options. I swear, anytime I wear a blazer, I'm treated like a celebrity or boss, especially when traveling. I was once upgraded to first-class wearing a yellow blazer outfit, and the airline professional literally said, "You look like somebody important. Here you go."
21. Volunteer for a worthwhile project or cause that's important to your company.
If you're overworked and underappreciated, skip this one, but if you truly have the time, love what you do, and want to advance, this move is clutch. Volunteering for extra projects got me where I am today in media because I had foresight, and knew that was the only way at the time to leverage relationships, and I was able to challenge myself to learn skills that 20 years later are still bankable. That VP you can't get a meeting with will be at that gala your company is planning, so join that committee, sis.
22. Write down why you deserve a raise and ask for it in your next one-on-one.
Gather those receipts (ie sales increase numbers, KPIs met, deals closed, people acquired via recruitment, the impact of systems updates, or other tangible success metrics) and ask for that raise before the first or second-quarter budgets are being finalized.
23. Instead of quitting, write down your exit plan.
While revenge quitting is set to be a thing next year (and maybe you're among those who will be leading the trend), try the better boss move and quit with a real plan.
24. Start automatically separating that estimated self-employed quarterly tax estimate.
If you have side hustles (or you're collecting 1099 income,) baby, you do not want to neglect those quarter tax payments. Talk to a professional, do your research, and set up automatic transfers to an account specifically for paying these at the appropriate due dates.
25. Sign up for a free one- to 11-week course related to your industry—or the industry you want to be in next year.
Institutions like Harvard University and platforms like Coursera offer free courses that can enhance your skills. You can also invest in certificate courses with accredited colleges as well as tech training.
26. Hit "Easy Apply" for 10 dream jobs listed on LinkedIn.
While you shouldn't solely rely on this when actively job-seeking, using this convenient LinkedIn option is a great way to get into the habit of applying for positions. And if you're already employed, you should still be "dating" other employers if you're looking to make a move in the next six months. Keep your interview skills sharp, practice toughening up for the "nos," and get a bit of an ego boost in the process.
Self-Care And Wellness
27. Pre-schedule three month's worth of massages.
Oftentimes this is cost-effective since some spas offer deals for multiple bookings. Also, it makes an act of self-care deliberate and important, not an option. When you get that reminder call, you'll know it's real.
28. Fire that therapist and try another one.
Cultural competency in mental health support is one major problem that can hinder Black women from even bothering with therapy. And who wants the added stress of spending multiple, paid sessions explaining why something is a microaggression? Cut the cord and move on to try someone else, either via a Black women therapists channel or recommendations from others.
29. Join a small group at church.
Bedside service ain't gonna cut it and neither is going to the usual Sunday service. Join a smaller group and upgrade your efforts to connect, network, and elevate spiritually. Even if virtually, take a step to dig a bit deeper with more targeted Bible study and discussions.
30. Say no, even to loved ones.
This is on here twice, for a reason. Saying no is the simplest, most powerful micro-action you can take today to make 2025 better. No explanations. No guilt. Say no.
31. Choose one "luxury" beauty product for skincare and stick to it.
This was trending big on social, especially for millennials hitting their 40s. There's just something so freeing about not giving in to every trend and sticking to the basics that work, especially when there are quality, healthy ingredients involved. Put those orders on auto-renew.
32. Sign up for a new sport or fitness class just for fun, not for results.
It's great to be on a weight-loss or weight-lifting journey, but try something just for the fun of it. Switch things up with a couple of these fitness activities.
33. Book a staycation.
Leave the passport at home and explore a nearby community or another town in your state. There's so much enrichment in your own backyard right here in the U.S., and you don't even have to break the bank.
34. Pre-schedule your mammograms, Pap smear, and peri-menopause checkups for next year.
Take control of your health by pre-scheduling essential appointments like mammograms, Pap smears, and peri-menopause check-ups for 2025. Prioritizing these screenings early ensures you stay on top of your wellness and make time for self-care in the new year.
35. Cut off support of beauty and wellness professionals whose customer service is below standard.
This is another one that many Black women have been vocal about—from unrealistic pre-appointment requirements, to booking fees, to long waits, to unsavory in-salon experiences. Spot the red flags early, and just stop accommodating foolishness. Support salons or experienced stylists who are kind, have proper systems in place and value your time.
36. Schedule five to 10-minute moments of silence on your calendar.
Again, wellness is not optional, and if it's not on my calendar, it's not official. Sit quietly. Pray. Meditate. Or do nothing. The benefits of silent moments are almost endless.
37. Download a meditation app.
If you've found that meditation is difficult to schedule or to even start, an app can help. Try this, this, or this one, and take that step to embrace something new to enhance your wellness routine. If you're tired of downloading apps, create a playlist for meditation via Amazon Music or Spotify and schedule a reminder to do it once a day or week.
38. Invest in a healthy meal prep or delivery service.
Time is emotionally expensive, so save as much of it as possible. Getting into meal prep to keep to your goals is a great way to save time, stress, and effort. The health benefits of meal prepping have also been proven via research.
39. Create a positive playlist on Spotify, Amazon Music, YouTube, or other streaming platform.
It can be podcasts, music, affirmations, or somatic sounds. It's a game-changer. You can even set an alarm to wake you up to start your day with the positive playlist. Not into creating your own? There are plenty to choose from with a quick search.
40. Set up reminders for Alexa (Siri or other AI) to remind you, "You are loved," and "You are okay."
This simple effort can boost your endorphins and remind you that you're indeed, not alone, and you will be okay, regardless. To set mine up, I simply commanded, "Alexa, remind me everyday 'Jesus loves me,'" and like clockwork she does. She almost scared the ish out of me one day when I'd forgotten the reminder was active, but it was the reminder I needed when anxiety had gotten the best of me that week.
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