The Steve Harvey Morning Show

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Tonya Edmonds. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Tonya Edmonds (Founder, Smart Growth AI) 1. Purpose of the Interview The purpose of the interview is to educate, motivate, and equip listeners—especially professionals, entrepreneurs, and women—with: A practical understanding of artificial intelligence (AI) without technical intimidation Strategies to reclaim time, increase productivity, and future‑proof careers Lessons on wealth building, including multiple streams of income and investing The importance of mentorship, partnerships, and adaptability Real-world insights from Tonya’s entrepreneurial and corporate journey At its core, the conversation connects AI adoption with financial empowerment, career resilience, and modern entrepreneurship. 2. Interview Overview Tonya Edmonds shares her transition from corporate roles (including work at Johnson & Johnson) to founding Smart Growth AI, a consulting and training firm that helps busy professionals and entrepreneurs reclaim 10+ hours per week by implementing practical AI systems. Rushion McDonald frames the discussion around: Technology adoption Financial literacy Entrepreneurship Personal resilience Long-term thinking in a rapidly changing economy 3. Key Takeaways A. AI Is a People Challenge, Not a Technology Problem Tonya explains that resistance to AI is driven by fear, not complexity. Employees worry AI will replace them, so leaders must reframe it as a co-creator and productivity partner, not a job threat. AI succeeds when people understand how it elevates their role instead of eliminating it. B. AI Is About Time Leverage, Not Working More Smart Growth AI focuses on helping clients: Automate repetitive tasks Improve workflows Regain lost hours Redirect time toward strategy, creativity, and rest Tonya warns against burnout, emphasizing that reclaimed time should be used intentionally—not just to take on more work. C. Multiple Streams of Income Build Stability A casual cookout conversation introduced Tonya to the idea of wealth-building beyond employment. Playing Robert Kiyosaki’s Cashflow Quadrant helped her understand: Being an employee alone limits wealth creation Leveraging money and assets creates freedom Community and shared learning accelerate growth This mindset later helped her navigate layoffs, entrepreneurship, and motherhood. D. Mentorship Is a Critical Success Factor Tonya repeatedly highlights mentorship as a defining difference between struggle and progress: The lack of mentorship contributed to challenges with her day spa business Strong mentorship later helped her pivot, recover, and scale Her relationship with Alicia Lyttle (“The Queen of AI”) accelerated her expertise and credibility Mastermind groups and strategic partnerships played a key role in expansion. E. Women Must Shift from Spending to Investing Tonya offers direct advice to women: Start small and stay consistent Invest only in things you understand—or get educated Consider real estate, passive investments, and partnerships Use tools like self-directed IRAs or rolled-over 401(k)s to build wealth Progress matters more than perfection. F. Learning AI Is Career Insurance Tonya encourages professionals to: Learn AI on their own time if necessary Experiment hands-on, not just consume content Become the AI “go‑to” person at work Increase job security by increasing relevance Early adopters gain disproportionate advantage. G. No Single AI Tool Does Everything Best She explains how different tools serve different purposes: ChatGPT – brainstorming and idea generation Claude – deeper, more refined writing Perplexity – research Gemini – graphics and video Copilot – integrated enterprise workflows Her advice: use multiple tools strategically. H. Privacy and Security Matter Tonya stresses AI safety best practices: Turn off model-training permissions Never input personal or client-identifying data Use placeholder names (e.g., “Company X”) Treat AI tools as public spaces unless secured 4. Notable Quotes On AI Adoption “It’s not a technology problem—it’s a people problem.” On Fear of AI “You’re asking people to train a tool they think could replace them.” On Time Freedom “If you learn AI, it will help you leverage your time—but don’t use that time to burn yourself out.” On Wealth Building “You can’t really get ahead just being an employee. You have to leverage your money.” On Mentorship “You have to be careful who you plant seeds with—because they can come back and help you.” On Women and Investing “Even if it’s just $100 a week or $100 a month, every little bit counts.” On Learning AI “Don’t just listen—open up your laptop and start playing with it.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Michelle Taylor Willis. Interview Summary Interview with Rushion McDonald – Money Making Conversations Masterclass Interview Purpose The purpose of this interview is to explore the difference between success and significance, with a particular focus on parenting, leadership, community impact, and intentional legacy building. Michelle Taylor Willis uses her personal journey, civic leadership, and her guide Raising Significance to challenge parents and professionals to think beyond individual achievement and toward collective responsibility. The conversation positions success as a starting point—and significance as the multiplier, especially in how we raise children, build networks, and serve others. Major Themes & Key Takeaways 1. Success vs. Significance A central theme of the interview is Michelle’s distinction between success and significance. Success is defined as personal accomplishment—career, income, stability—while significance is about leveraging that success to change lives beyond your own. Key takeaway: Success is self‑contained; significance is outward‑facing and transformational. 2. Raising Significant Children Requires Intention Michelle emphasizes that significance does not happen by accident. Her guide outlines principles designed to raise independent, confident, disciplined, and service‑oriented children. These principles are meant to be instilled early so that giving back becomes instinctual, not optional. Key takeaway: If significance isn’t taught intentionally, it rarely shows up later. 3. The Role of Healthy Fear and Authority Michelle discusses the value of healthy fear—not intimidation, but respect for authority and consequences. This concept, often misunderstood in modern parenting, is framed as a safety and discipline tool that prepares children for real‑world structure. Key takeaway: Healthy fear builds accountability and keeps children safe. 4. Discipline and Consistency Matter Both Michelle and Rushion highlight that parenting—like leadership—requires consistency and follow‑through. Children must understand that boundaries are real and consequences are unavoidable. Key takeaway: Consistency creates security, discipline, and trust. 5. Fraternities and Sororities as Leadership Training Grounds Michelle credits her membership in Alpha Kappa Alpha Sorority, Incorporated with shaping her values around networking, service, accountability, and lifelong collaboration. These organizations provide built‑in support systems that extend far beyond college. Key takeaway: Purpose‑driven networks accelerate leadership growth and impact. 6. Significance Is About Service, Not Recognition Despite numerous awards and honors, Michelle makes it clear that recognition is not the goal—it’s simply feedback. True fulfillment comes from knowing her work has meaning and contributes to something larger than herself. Key takeaway: Recognition is validation; service is the mission. 7. The Power of Music and Early Skill Development Michelle strongly advocates for early exposure to music and structured learning, noting its connection to critical thinking, math skills, discipline, and brain development. She explains how musical training supports cognitive growth that carries into adulthood. Key takeaway: Early skill development builds lifelong cognitive advantages. 8. Significance Requires Community Mindset Michelle repeatedly reinforces that nothing meaningful is built alone. Whether parenting, leadership, or entrepreneurship, significance depends on strong teams, collaboration, and shared values. Key takeaway: The most impactful leaders think in terms of “we,” not “me.” Notable Quotes “There’s a difference between success and significance.” “Success is about you. Significance is about everybody else.” “Most people are comfortable being successful—but uncomfortable being significant.” “Healthy fear keeps you in check.” “If you raise children intentionally, significance won’t be optional.” “It’s never about me.” “Significance creates a domino effect that changes the world.” Overall Message Michelle Taylor Willis’s interview is a thought‑provoking call to intentional living and leadership. Through her work and her guide Raising Significance, she reframes parenting—and success itself—as stewardship. Her message is clear: the future depends not on how many successful people we create, but on how many significant ones we raise. In a world increasingly focused on individual achievement, Michelle challenges audiences to embrace responsibility, community, and purpose as the true measures of a meaningful life. #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Bamidele Farinre. Founder of No Ceiling Consulting, a biomedical scientist, STEM expert, agile project manager, and advocate for professional development, mentorship, and removing internal and systemic limitations (“ceilings”). They discuss her STEM background, the evolving role of AI in science, the meaning of “no ceilings,” navigating personal and professional barriers, mentorship, setbacks, agile leadership, and how individuals—especially people of color—can create opportunity even in the face of bias and structural limitations.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley Joi Boyd. Interview Purpose The purpose of this interview is to explore the intersection of creativity, financial literacy, ownership, and personal resilience, using Ashley Joi Boyd’s journey as a Grammy‑nominated songwriter, music publisher, real estate developer, and author as a powerful case study. Through honest conversation, Ashley reframes success in the entertainment industry beyond fame and hits, emphasizing business ownership, financial education, mindset, and long‑term wealth building. The interview also serves as an empowerment message—particularly for women—demonstrating that financial setbacks, including bankruptcy, can become turning points rather than permanent barriers. Major Themes & Key Takeaways 1. Songwriting Is the Heart—and the Business—of Music Ashley explains that songwriting is not just creativity; it is the foundation of lasting success in the music industry. While artists may earn from performances, writers and publishers earn from ownership, collecting royalties every time a song is played, streamed, or used globally. Key takeaway: Creativity generates income, but ownership generates wealth. 2. Publishing Is Where the Real Money Lives Ashley highlights that music publishing—not performing—is the most lucrative side of the industry. By owning her publishing company, she positioned herself to earn long‑term, recurring income rather than relying on one‑time payments or constant touring. Key takeaway: Understanding back‑end revenue streams is critical in any industry. 3. Business Knowledge Creates Leverage Raised in an entertainment household, Ashley learned early the importance of understanding contracts, rights, and percentages. She famously walked away from a publishing deal that demanded 75% ownership—choosing long‑term control over short‑term opportunity. Key takeaway: Walking away from the wrong deal can be the right decision. 4. Opportunity Meets Preparation Ashley’s collaboration on Justin Bieber’s hit “Yummy” did not happen overnight. It was the result of years of preparation, proven skill, respect for her craft, and being ready when the door opened. Key takeaway: Access opens doors, but preparation determines what happens next. 5. Financial Collapse Can Become Financial Education Ashley openly discusses filing for bankruptcy after the 2008 housing crash—a moment she describes as devastating but transformative. With no guidance at the time, she was forced to learn money management the hard way, reshaping her relationship with credit, debt, and planning. Key takeaway: Bankruptcy is not the end—it can be the beginning of financial mastery. 6. Financial Literacy Is Often Untaught—but Essential Ashley stresses that many people, especially women, are never taught how to manage money, credit, or wealth. This gap inspired her book Financially Fly: Mastering Money and Wealth for Women, written to create a safe, honest space for financial conversations. Key takeaway: Making money is not the same as knowing how to keep or grow it. 7. Wealth Is About Structure, Not Just Cash In defining generational wealth, Ashley emphasizes trusts, insurance policies, estate planning, and real estate—structures that protect families long after income stops. Key takeaway: Generational wealth is built with systems, not just income. 8. Invest in Yourself First One of Ashley’s most practical strategies is prioritizing yourself as a financial line item—saving consistently, protecting your credit, and building habits that support future freedom. Key takeaway: If you don’t prioritize yourself financially, no one else will. 9. Mindset Drives Money Patterns Ashley underscores that many financial struggles are rooted in scarcity mindset and emotional spending. Shifting to an abundance mindset and facing numbers honestly is the first step toward change. Key takeaway: Your mindset controls your financial outcomes. Notable Quotes “Songwriting is the heart and soul of a song—it’s what makes it last.” “The real money in music is on the back end.” “I walked away from a deal because the business wasn’t right—and that changed everything.” “Bankruptcy forced me to learn how to protect myself.” “Just because you know how to make money doesn’t mean you know how to keep it.” “Generational wealth is structure—trusts, insurance, planning.” “Put yourself on your own balance sheet.” “Your mindset controls everything around you.” Overall Message Ashley Joi Boyd’s interview is a masterclass in reclaiming control—creatively, financially, and mentally. Her story demonstrates that wealth is not defined by income alone, but by ownership, education, structure, and intention. By openly sharing both her success and setbacks, Ashley empowers listeners to stop avoiding financial truth, build sustainable habits, and believe that long‑term wealth is possible—no matter where they are starting. #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Wednesday, April 15th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "They Moved Big Mama" | Ask The CLO | Trending & Entertainment News | Tax Day | Steve Harvey's Emails | Nephew Tommy's Prank - "Can You Bring Me Some Paper?" | Strawberry Letter - "Is It Insecurity Or Control?" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | No Gas On Buccee's Gift Cards | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee.Title: Owner, Chairman & CEO of OneUnited BankHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities. Purpose of the Interview The interview is designed to: Educate listeners on why Black-owned banks matter historically and economically. Explain how technology has transformed banking, making location irrelevant. Address financial exclusion, particularly reliance on check-cashing services. Promote financial literacy as the foundation of wealth creation. Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity. Key Themes & Takeaways 1. A Mission Rooted in Black History Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend. Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank. Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes. Takeaway: Economic independence has always been central to Black progress. 2. From Brick-and-Mortar to Digital Banking OneUnited originally grew by acquiring small Black-owned banks nationwide. The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access Physical branches are no longer required Digital reach enables national—and global—impact Key insight: Technology allowed OneUnited to become a national Black bank without national branches. 3. Financial Technology Built for Real-Life Problems Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms. Examples include: Second-chance checking accounts Emergency small-dollar loans Alternative credit criteria Nationwide surcharge-free ATM access AI-powered tools that help users understand: Cash flow Assets vs. liabilities Net worth (or debt) Financial decision-making in real time Takeaway: Banking should help people function—not punish them for past mistakes. 4. Financial Literacy Is the Real Wealth Gap Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education He compares this to not teaching reading—and then blaming people for illiteracy. OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts. Key message: Financial literacy, not income alone, determines long-term wealth. 5. Ending Dependence on Check-Cashing Services Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods. OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches. Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com. Takeaway: Lack of access is no longer an excuse—awareness is the missing link. 6. Technology as the New “40 Acres” Kevin draws a powerful parallel: Land ownership was once the primary source of wealth. Technology and financial literacy are today’s equivalents. Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage. Key insight: Technology levels the playing field—if people understand how to use it. 7. Mandatory Financial Literacy as a Policy Solution Kevin advocates for required financial literacy courses in all U.S. schools. He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student. He frames this as a matter of equity, not preference. Takeaway: Systemic problems require systemic solutions. Notable Quotes “The concept of a national Black-owned bank goes all the way back to slavery.” “We’re not behind in technology—we are the party.” “Ninety percent of Americans are not financially literate.” “You don’t have to go to check cashers and get ripped off.” “Technology is the new 40 acres.” “Financial literacy alone can generate over $100,000 in net worth per person.” “There has never been a better time to build a business than right now.” Overall Impact This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as: A modern solution to historic exclusion A technology-first institution built for underserved communities A catalyst for financial literacy, entrepreneurship, and wealth creation Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Gaddis. Interview Summary Show: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Jennifer Gaddis – Senior Quality Assurance Engineer, Educator, Founder of Road to QA 1. Purpose of the Interview The primary purpose of the interview is to inspire and educate everyday people—especially those without college degrees or traditional tech backgrounds—on how to pivot into technology careers, specifically Quality Assurance (QA), and to reframe fear around AI, layoffs, and automation into opportunity. Jennifer’s story is used as proof of concept that: You do not need a college degree to succeed in tech Transferable skills already qualify many people for QA roles AI does not eliminate jobs—it creates new opportunities Strategic career pivots can result in life-changing income and freedom Rushion positions Jennifer not only as a success story, but as a new blueprint for wealth-building through skills, not credentials. [ 2. Interview Overview (High-Level Summary) Jennifer Gaddis shares how she: Pivoted into tech in 2021 with no degree Went from $40K to six figures within 90 days Built a $400K+ remote household income with her husband Created Road to QA, helping 200+ people land tech jobs Accidentally built a multi-million-dollar education business Used personal hardship, COVID, financial stress, and family responsibility as fuel—not limitations She explains what Quality Assurance engineering is, why it is resistant to AI replacement, and how regular users of apps are already doing parts of QA work without realizing it. 3. Key Takeaways A. You’re Already More Qualified Than You Think Jennifer emphasizes that everyday digital behavior translates into QA skills: Using apps Identifying bugs Expecting software to “work correctly” Navigating systems as an end user This insight forms the core of her teaching philosophy. B. The Faster You Add Skills, the Faster You Increase Income Jennifer repeatedly notes: “The difference in your paycheck is your skillset.” By stacking skills (manual QA → automation → AI testing), professionals increase their market value, not just job security. C. AI Is a Career Accelerator, Not a Threat Rather than fearing AI, Jennifer encourages people to: Work alongside AI Become the humans overseeing AI systems Move into hybrid QA + automation + AI roles She stresses that human oversight is still required in tech deployment. D. Entrepreneurship Can Be Accidental—but Scalable Jennifer did not initially plan to build a company. Her business emerged from: Instagram stories A $97 beginner e-book Real student outcomes Her willingness to: Raise prices Build systems Hire specialists Learn financial discipline Allowed Road to QA to grow sustainably. E. Representation and Access Matter Jennifer openly discusses: Being a Black woman in tech Coming from financial insecurity Navigating family obligations Redefining success for future generations Her story challenges stereotypes about who “belongs” in tech careers. [ 4. Notable Quotes from the Interview “I landed my first year in tech within 90 days.” [ “The difference in your paycheck is your skillset.” “You’re already a software tester—you just don’t know it yet.” [ “I didn’t set out to build a company. I said yes to myself.” [ “AI still needs human oversight.” “My journey was already different, so I had to build something different.” 5. Overall Message Jennifer Gaddis’s interview reinforces a central theme of Money Making Conversations: Income growth follows skill alignment, not traditional credentials. Her journey reframes: Fear → strategy Job loss → skill expansion Limited access → self-investment The interview serves as both motivation and roadmap for anyone seeking financial mobility through tech—without gatekeeping. #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. LaToya Gilmore. A licensed professional counselor with 20+ years of experience. Topic: Her book Communication Skills for Healthier Boundaries and her journey in mental health. 2. Dr. Gilmore’s Career Path Started in mass communication, switched to psychology after a friend's suggestion. First psychology class sparked her passion. Emphasizes the importance of curiosity and self-awareness in career transitions. 3. Mental Health and Career Change Discusses fear of change and how to overcome it. Encourages self-assessment and assertive communication. Talks about blocking external opinions to follow personal truth. 4. Mental Health in the Black Community Pandemic brought mental health to the forefront. Black professionals increasingly seeking therapy for trauma, stress, and work-life balance. Her practice is 95% African-American professionals. 5. HBCU Experience Attended Prairie View A&M and Texas Southern University. Highlights the affirming and empowering environment of HBCUs. Importance of representation and academic excellence. 6. Book Discussion: Communication Skills for Healthier Boundaries Focuses on effective communication and healthy boundaries. Addresses rigid vs. absent boundaries and their impact on relationships and self-worth. 7. Therapy Practice Model Transitioned from in-person to fully virtual practice. Offers flexibility for clients and shares her own experience with therapy. 8. Entrepreneurship Lessons Graduate school didn’t teach business fundamentals. Learned about insurance, legal structure, and accounting on the fly. Advocates mentorship and using resources like ChatGPT (with caution). 9. Betting on Yourself Shares her transition from full-time professor to private practice. Advises strategic planning and exit strategies over impulsive quitting. 10. Parenting and Child Development Warns against premature diagnoses in children. Encourages education on developmental stages and adapting parenting strategies. 11. Future of Mental Health Education Advocates normalization of mental health as part of routine healthcare. Notes increased visibility in media, faith communities, and public discourse. 12. Boundaries in Social Settings Shares how she handles unsolicited therapy requests at social events. Emphasizes professional boundaries and offers referrals when needed. 13. Closing Website: www.lovesupportguidance.com Social media: Instagram @DrGilmoreShares Encouragement to lead with gifts and keep winning.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Summary Interview with Rushion McDonald – Money Making Conversations Masterclass Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Monica Cornitcher. Entrepreneurial journey, the inspiration behind Medase Cocktails, and the realities of launching, funding, and scaling a premium nonalcoholic spirits brand in a highly competitive market. Purpose of the Conversation The purpose of the episode is to: Educate aspiring entrepreneurs on how to build a differentiated consumer brand Demonstrate the importance of storytelling, market clarity, and operational discipline Highlight the growth of the nonalcoholic / zero‑proof beverage movement Inspire founders—especially founders of color—to own their niche, seek capital strategically, and scale intentionally. Key Takeaways 1. Business Built from Personal Need and Purpose Medase Cocktails was co‑founded by Monica and her lifelong friend during her friend’s battle with breast cancer, a time when alcohol was no longer an option—but celebration still mattered. The brand was created to allow people to celebrate authentically without alcohol It carries emotional depth rooted in friendship, gratitude, and loss Monica continues the mission after her co‑founder passed away in 2024 Lesson: Purpose-driven businesses create deeper emotional connection and long-term brand equity. 2. Differentiation Is Everything Monica deliberately rejected the “sparkling water with flavor” model common in nonalcoholic drinks. Her differentiators include: Authentic cocktail taste (Old Fashioned, Margarita, Moscow Mule) Organic juices, not artificial flavors Bold packaging that stands out on shelves Drinks designed to smell, taste, and feel like real cocktails Lesson: Competing on authenticity—not cost—is how you carve out market share in crowded spaces. 3. Brand Names and Stories Matter The name “Medase” means “thank you” and reflects gratitude, friendship, and emotional support. Monica emphasizes: Every flavor name, color, and product decision has a story A strong brand narrative creates curiosity, loyalty, and investor interest Lesson: People invest in brands they feel—emotionally, not just intellectually. 4. Venture Capital Is Not Just About Numbers While financials matter, Monica stresses that VCs also invest in founders and stories. What helped her secure venture capital: A compelling personal story Relevant founder skill sets (M&A, law, operations) Clear understanding of the market opportunity Lesson: Early-stage funding often depends on who you are and why you’re building, not just revenue. 5. Research, Planning, and Discipline Before Launch Unlike many food startups, Medase did not begin in a kitchen. They: Conducted a feasibility study Built a formal business plan Worked with a Black female food scientist Set strict personal funding limits before seeking capital Lesson: Preparation reduces risk and builds long-term sustainability. 6. Scaling Requires Operational Maturity As sales increased—especially on Amazon—Monica emphasized the need to move from “hustle mode” to operational excellence. Key scaling principles: Understand unit economics Track ROI for events and activations Adjust pricing as volume increases Build strategy across marketing, operations, and distribution Lesson: Hustle starts the business; operations grow it. 7. Niche First, Expansion Later Medase does not try to be “everything to everyone.” Core customers include: People seeking a break from alcohol Health-conscious consumers Black men looking for alcohol replacements Consumers wanting cocktail taste without hangovers Lesson: Strong niches create loyal advocates who fuel organic growth. 8. Smart Distribution Strategy Rather than rushing into retail, Monica prioritized direct-to-consumer channels: Amazon (top-performing channel) Brand website TikTok Shop Only after 6–7 months of traction did retail expansion become viable. Lesson: Control your margins and demand before entering expensive retail environments. Memorable Quotes “I wanted an authentic cocktail without compromise.” “Everything we do has a story behind it.” “Sometimes it’s not about the financials—it’s about the founder and the story.” “Don’t be everything to everybody. Find your market and stick with your market.” “Hustle starts the business, but operations give you scale.” “If it tastes too much like alcohol and you gave me a one-star review—thank you. That means I did my job.” Overall Message This episode is a real-world entrepreneurial blueprint showing how clarity of vision, emotional authenticity, disciplined planning, and niche focus can turn a personal idea into a scalable national brand. Monica Cornitcher exemplifies the modern founder:visionary, data-aware, emotionally intelligent, and unapologetically authentic. #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Tuesday, April 14th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "I Love Your Wife More Than You Do" | Ask The CLO | Trending & Entertainment News | Random Questions | Greek Talk | Nephew Tommy's Prank - "They Moved Big Mama" | Strawberry Letter - "Should I Throw Her Out With The Mattress?" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Inflation Talk | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Monday, April 13th, 2026: Steve Harvey's Morning Inspiration | Show Open | The Pastors | Ask The CLO | Trending & Entertainment News | Trumpo & Candace Owens | Sista O'Dell | Nephew Tommy's Prank - "I Love Your Wife More Than You Do" | Strawberry Letter - "His Ex-Wife Wants To Sleep Over" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | KeKe Palmer | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Friday, April 10th, 2026: Steve Harvey's Morning Inspiration | Show Open - Poetry | Nephew Tommy's Run That Prank Back - "Problem At The Valet" | Ask The CLO | Trending & Entertainment News | Toddlers With Wolves | Roscoe Wallace | Nephew Tommy's Prank - "Your Wife's Doctor" | Strawberry Letter - "He FaceTimes Me When He's With Her" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | National Golfers Day | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Thursday, April 9th, 2026: Steve Harvey's Morning Inspiration | Show Open - Faith | Nephew Tommy's Run That Prank Back - "My Daddy's Boat" | Ask The CLO | Trending & Entertainment News | US / Iran Ceasefire Talks | Steve Harvey's Voicemail | Nephew Tommy's Prank - Problem At The Valet" | Strawberry Letter - "My Little Control Freak" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Retirement Question | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Wednesday, April 8th, 2026: Steve Harvey's Morning Inspiration | Show Open - Leadership | Nephew Tommy's Run That Prank Back - "Alarm Alert"" | Ask The CLO | Trending & Entertainment News | White House Easter Egg Hunt | DL Hughley & Don Lemon Tour | Nephew Tommy's Prank - "My Daddy's Boat" | Strawberry Letter - "Bigger Is Not Always Better" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Baby Born On Caribbean Airlines Flight | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Tuesday, April 7th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "You Baby Is Going Back To Pre-K" | Ask The CLO | Trending & Entertainment News | Dawn Staley | Forgiveness | Nephew Tommy's Prank - "Alarm Alert" | Strawberry Letter - "This Is Gross, But I Need Help" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Starbucks | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Monday, April 6th, 2026: Steve Harvey's Morning Inspiration | Show Open | The Pastors | Ask The CLO | Trending & Entertainment News | Trump Hospitalization Rumor | Sista O'Dell's Easter Recap | Nephew Tommy's Prank - "You Baby Is Going Back To Pre-K" | Strawberry Letter - "He's Too Bougie For My Church" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Lie Flat Rows On United Airlines | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Friday, April 3rd, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Colorful Adoptions" | Ask The CLO | Good Friday & Steve Harvey's Voicemail | Childhood Easter Memories | Steve Harvey's Voicemail | Nephew Tommy's Prank - "Buttcheeks" | Strawberry Letter - "My Son's Daddy Is Blocking My Happiness" Pt. 1-2 | Tommy's Easter Egg Hunt | Social Media Advice | Adult Easter Basket | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Thursday, April 2nd, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Church Parking Lot" | Ask The CLO | Trending & Entertainment News | Good Friday Fish | Why Are You So Angry? | Nephew Tommy's Prank - "Colorful Adoptions" | Strawberry Letter - "The Big Reveal" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Lottery Winner's Life Of Crime | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Wednesday, April 1st, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Give Me My Arm Back" | Ask The CLO | Trending & Entertainment News | Trump Likes Losers | April Fool's Day Is Tommy Day | Nephew Tommy's Prank - "Church Parking Lot" | Strawberry Letter - "My Man & His Money" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Meaghan Taylor - 10 Years Of Women In Radio | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kimberly Kelly. Titles: Real Estate Broker, Brokerage Owner, EntrepreneurHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kimberly Kelly shares a deeply personal story of survival, resilience, and self-determination, tracing her journey from foster care and teen motherhood to becoming a real estate brokerage owner and business leader. The conversation highlights how mindset, faith, adaptability, and education can transform adversity into long-term success. Purpose of the Interview The interview is designed to: Show what success really looks like, including the hardship behind it. Inspire people facing extreme adversity—especially those from foster care, single-parent households, or teen parents. Demonstrate nontraditional paths to success, beyond college-to-career pipelines. Highlight entrepreneurship as a tool for control and stability, not perfection. Encourage persistence, faith, and adaptability in business and life. Key Themes & Takeaways 1. Resilience Formed Through Early Adversity Kimberly was placed in foster care at a young age due to her mother’s substance abuse. She helped raise her two younger brothers and fought to keep them together in foster care. She became a teen mother at 15, and by 18 had two children while still caring for her siblings. Takeaway: Responsibility and leadership can develop long before opportunity appears. 2. Faith, Positivity, and Survival Mode Kimberly credits her positive mindset and faith—learned during foster care—as foundational. Prayer and belief helped her endure instability, separation, and lack of support. Survival mode gave her clarity: failure was not an option. Key insight: Faith doesn’t remove hardship—but it provides grounding when control is limited. 3. Education as a Turning Point, Not a Straight Line She returned to complete her high school diploma as a young mother. She took advantage of teen workshops, government programs, and training opportunities. Kimberly earned a technical degree in electronics engineering, entering the IT world before later pivoting. Takeaway: Education can be layered, nonlinear, and still powerful. 4. Choosing Entrepreneurship and Real Estate Kimberly entered real estate with a mission to educate and empower first-time homebuyers, especially those from backgrounds like hers. She later became a licensed real estate broker and opened her own brokerage. She currently leads a small, relationship‑driven brokerage with six agents. Core belief: Ownership creates options—and leadership multiplies impact. 5. A Relationship-Based Business Model Her brokerage focuses on: One-on-one agent training Hands-on mentorship Personalized marketing strategies Kimberly intentionally avoids a corporate-style model to prioritize growth, trust, and accountability. Key takeaway: Culture and connection matter more than size, especially early on. 6. Adaptability as a Business Strategy During market changes (including COVID), Kimberly expanded into: Property preservation Repair, inspections, and asset management services She co-owns multiple businesses with her husband, spreading risk and stabilizing income. Lesson: The ability to pivot often determines long-term survival in business. 7. Refusing to Accept Limiting Narratives Kimberly rejects the idea that her background should define her ceiling. She emphasizes self-talk, belief, and forward motion—even without a support system. Her story challenges stereotypes about: Foster youth Teen mothers Single Black women in business Nontraditional entrepreneurs Takeaway: Your starting point does not determine your finish. Notable Quotes “I always lived in survival mode—failure was never an option.” “I had to raise myself, so I had to believe in myself.” “If I did it from where I came from, I promise you—you can do it too.” “Always stay adaptable. The market changes, so you change with it.” “Put one foot in front of the other, even when it feels like the world is caving in.” “Success was never something I thought I couldn’t have—I just had to figure out my path.” Overall Impact Kimberly Kelly’s interview is a testament to perseverance without privilege. It reframes success as a product of: Relentless forward motion Learning wherever possible Faith and internal motivation Ownership, adaptability, and leadership Her story resonates most powerfully with listeners who have been told—directly or indirectly—that their circumstances disqualify them from success. Final message: There are no excuses left after hearing this story—only choices. #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Tuesday, March 31st, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "The Ring" | Ask The CLO | Trending & Entertainment News | Fondest Easter Memory | Random Questions | Nephew Tommy's Prank - "Give Me My Arm Back" | Strawberry Letter - "My Husband Has A Type" Pt. 1-2 | Social Media Advice | Tristan Thompson & The VP | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Monday, March 30th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Wedding With Butchy" | Ask The CLO | Trending & Entertainment News | Nick Cannon & Trump | Sista O'Dell | Nephew Tommy's Prank - "The Ring" | Strawberry Letter - "My Mama Hooked Me Up With Her Friend" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Online Life Coaching | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Friday, March 27th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Your Trash Stinks" | Ask The CLO | Trending & Entertainment News | Another Women's Month Poetry From Junior | Roscoe Wallace | Nephew Tommy's Prank - "Wedding With Butchy" | Strawberry Letter - "I Don't Like His Features" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | No More Encrypted DMs | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Thursday, March 26th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Uber Hearse" | Ask The CLO | Trending & Entertainment News | Celebrity You Wish You Could Talk To | Steve Harvey's Voicemail | Nephew Tommy's Prank - "Your Trash Stinks" | Strawberry Letter - "He Doesn't Care What I Do" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Airlines Message To Congress | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Wednesday, March 25th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Your Wife Is In The Limo" | Ask The CLO | Trending & Entertainment News | Elon Musk Wants To Pay TSA Workers | One Has To Go | Nephew Tommy's Prank - "Uber Hearse" | Strawberry Letter - "Don't Rock The Boat" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Wellness Wednesday Sponsored by Vicks Zzz-Quil | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Tuesday, March 24th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Can You Do My Makeup?" | Ask The CLO | Trending & Entertainment News | University Of Maryland Coach & Player | Random Questions | Nephew Tommy's Prank - "Your Wife Is In The Limo" | Strawberry Letter - "I Love My Two Men Equally" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Spring Season | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Monday, March 23rd, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew The Pastors | Ask The CLO | Trending & Entertainment News | Trump Coin | How To Get Money Back That You Loaned To A Friend | Nephew Tommy's Prank - "Can You Do My Makeup?" | Strawberry Letter - "He Brought Home Bedbugs" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Man Smuggles Thermos In Rectum | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Howard Hewett Interview (Part 2) Legendary R&B and soul singer Howard Hewett returned for Part 2 of his interview on Money Making Conversations Masterclass to continue discussing his iconic multi‑decade career, his transition from Shalamar to a solo artist, new collaborations, performing for multi‑generational audiences, the evolution of R&B, and his philosophy on life, legacy, work ethic, and spiritual grounding. This segment is rich with personal stories—from unexpected collaborations to the behind‑the‑scenes decision-making that shaped his career. Hewett also reflects on aging gracefully, staying relevant, maintaining integrity, and building a strong foundation that supports longevity in both life and music.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Stacey Gholar.

The Steve Harvey Morning Show for Friday, March 20th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "You Hit My Car" | Ask The CLO | Trending & Entertainment News | Nigerian Man Chose Prison Over Returning $1M Bank Erro | Roscoe Wallace | Nephew Tommy's Prank - "Condom Cleaners" | Strawberry Letter - "Number 2 Will Never Be Number 1" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Dropping Grudges | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jasmine Hood Founder of Better Bodies Massage in Atlanta (originally from Greenville, South Carolina), joined Rushion McDonald on Money Making Conversations Masterclass to share her journey from CNA to licensed massage therapist, the realities of being a traveling service provider, and the wellness benefits of massage therapy. She discusses body alignment, stress, trauma release, the differences between massage modalities, alternative treatments like cupping, entrepreneurship during COVID‑19, safety considerations for mobile therapists, corporate/wellness partnerships, and her long‑term goal of building a scalable massage brand supported by contractors.

The Steve Harvey Morning Show for Thursday, March 19th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Nappy Hair" | Ask The CLO | Trending & Entertainment News | Funny Things Only Black People Do | Russell Wilson - Stepfathers | Nephew Tommy's Prank - "You Hit My Car" | Strawberry Letter - "Up & Down All The Time" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Meteor Over Cleveland | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Wednesday, March 18th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Mona, You Need To Fix Your Appearance" | Ask The CLO | Trending & Entertainment News | J-RAP's Women's Day Poem | Amazon And Milania | Nephew Tommy's Prank - "Nappy Hair" | Strawberry Letter - "The Twins Down The Street" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Wellness Wednesday Sponsored By Vicks ZZZ-Quil | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kelsey Nicole Nelson—award‑winning sports media personality, and entrepreneur. She joins Rushion McDonald to discuss her journey in sports journalism, entrepreneurship, branding, and building a successful multi‑hyphenate career. She details how she built her media presence from the DMV area, launched her branding and digital communications company, navigated a male‑dominated industry, and leveraged authenticity, work ethic, and strategic networking to grow both her journalism and business ventures.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Bisa Lewis.

The Steve Harvey Morning Show for Tuesday, March 17th, 2026: Steve Harvey's Morning Inspiration | Show Open | Strawberry Letter - "I Don't Know My Parents Anymore" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | TSA Not Being Paid | Would You Rather | Steve Harvey's Closing Remarks (Abbreviated show due to technical difficulties. Will return to normal tomorrow.)Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Attorney Whitney Knox Lee Explains practical estate‑planning strategies—wills, trusts, powers of attorney—and how entrepreneurs, families, and especially parents of disabled children can protect assets, avoid costly probate, and maintain eligibility for critical benefits. The conversation also touches on integrating insurance with estate planning, small‑business contingency planning, and Lee’s personal mission and background in civil rights work. Purpose of the Interview Educate listeners on estate planning as a wealth‑preservation strategy (not just documents)—to reduce court costs, taxes, and confusion for families. Clarify the differences and roles of wills, trusts, and powers of attorney, including when each is appropriate and how they work together.] Highlight special considerations for entrepreneurs and families with disabled children or aging relatives, including insurance, operating agreements, and special‑needs planning. Share Lee’s values and practice approach, including culturally responsive service and sustainable advocacy rooted in prior civil‑rights work. Key Takeaways 1) Wills vs. Trusts vs. Powers of Attorney A will is not the plan—it’s just one piece and still goes through probate, which can be slow and expensive; think of a will as a “letter to the judge.] Revocable living trusts can help families bypass probate, reduce delays, and retain more control over how assets are managed after death. Powers of attorney (financial and health) are essential for incapacity scenarios; even 18‑year‑olds heading to college should have them so parents can access information if needed. 2) Why Insurance Belongs in the Plan Life insurance can protect the family’s ability to keep the home by paying off a remaining mortgage or covering living expenses—turning an asset into a sustainable legacy rather than a burden. For entrepreneurs, key‑person insurance can replace income when the owner can’t work, keeping the business afloat. 3) Minimizing Probate Costs and Taxes Probate involves court filings and legal fees; in some states fees scale with estate size (example discussed: percentage‑based fees in other jurisdictions), which can significantly erode wealth passed to heirs. Proper planning reduces those leakages. 4) Special‑Needs and Elder Planning Parents of children on need‑based benefits (e.g., Medicaid) must avoid transfers that jeopardize eligibility; the right trust structures preserve benefits while providing support. Elder law planning anticipates long‑term care costs (nursing home, assisted living, in‑home care) so families don’t have to deplete assets later. 5) Business Continuity for Owners Establish operating agreements and buy‑sell agreements that spell out who runs the business if the principal is incapacitated; pair with business powers of attorney. 6) Values, Audience, and Access Lee intentionally centers Black and Brown women and their families, grounding services in community uplift and transparent referrals to trusted financial pros (no paid referral arrangements). Contact approach: 15‑minute intake, then a four‑meeting process (legacy planning → design → review → signing). Notable Quotes (for pull‑quotes & captions) “Think of a will as a letter to the judge… a will still has to go through probate court. “A trust allows families to bypass probate altogether so they aren’t paying legal fees or leaving things to people who want to challenge the will. “Life insurance is a huge tool—it can help the family pay off the mortgage so they can keep the home and the equity.” “Estate planning is a strategy—not just documents.” “Even 18‑year‑olds should have powers of attorney—parents can’t just call doctors once kids are legal adults.” “I stay in my lane—I’m an attorney. I work closely with trusted financial professionals and make non‑compensated referrals.” “For special‑needs planning, don’t jeopardize need‑based benefits—use the right trust so support continues. “I want to build a sustainable practice that lets me serve my community and rest well, aligned with my family and values.” Quick Action Items (for listeners inspired by the episode) Draft or update POAs (financial and health) for every adult in the household, including college‑age children. Evaluate whether a revocable living trust makes sense to avoid probate and retain post‑death control. For business owners: review operating agreement / buy‑sell, add key‑person insurance, and create a business POA. Families with special‑needs dependents: consult on special‑needs trusts to protect benefits. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed D. Renee Smith. A transformational life coach and mental wellness advocate:

The Steve Harvey Morning Show for Monday, March 16th, 2026: Steve Harvey's Morning Inspiration | Show Open | The Pastors | Ask The CLO | Trending & Entertainment News | Oscars Recap | Sista O'Dell | Nephew Tommy's Prank - "Sleeping Security Guard" | Strawberry Letter - "I Can't Imagine Him With Big Mama" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Hair Growth | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Howard Hewett. Legendary R&B vocalist and former frontman of Shalamar—joins Rushion McDonald to reflect on his early career, his rise through the music industry, and the philosophy that fueled his longevity. Hewett recounts growing up in Akron, Ohio, his early professional singing experiences, and ultimately his path to Los Angeles where he worked in show groups before joining Shalamar. A large portion of the discussion focuses on preparation, visualization, integrity, and being ready when opportunities show up. Hewett reveals the remarkable story of how he joined Shalamar: a surprise phone call during a tense meeting at the Motown building, followed by an audition the next day, a flight to meet the group, and a TV performance within 72 hours. The interview blends career storytelling, business lessons, and personal philosophy—making it valuable for creatives, entrepreneurs, and anyone pursuing long-term success.