A smart hoe is someone who, if they dedicated themselves to work or academics, could naturally thrive, but has instead chosen a life of hoedom.
“Yeah, people underestimate Becky, but she’s a smart hoe.”
“I feel.”
A male or a female that excepts their place in life as a hoe, yet they use it to get a one up in life.
Sarah Beth might be a hoe, but that's one smart hoe.