Podcasts about Financial literacy

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 Nandi Edouard.

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 Johnny Lynum.

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 Marcus Sonnier. Founder of Snowie Atlanta:

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 Johnny Lynum.

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 Marcus Sonnier. Founder of Snowie Atlanta:

06/05 Hour 2: Are The Junkies Financially Literate - 1:00 Should The Commanders Trade Daron Payne - 21:00 $500 Game Show Giveaway - 33:00

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 Nandi Edouardo. Guest: Nandi EdouardoHost: Rushion McDonald (Money Making Conversations Masterclass)Focus: Education innovation, entrepreneurship, and building Simple View Academy (SVA) Nandi Edouardo, founder of Simple View Academy, shares her journey creating a charter school in Georgia designed to integrate entrepreneurship, financial literacy, and project-based learning into traditional education. Her mission centers on empowering students—especially Black and brown youth—to become creators, innovators, and financially literate leaders.

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 Nandi Edouardo. Guest: Nandi EdouardoHost: Rushion McDonald (Money Making Conversations Masterclass)Focus: Education innovation, entrepreneurship, and building Simple View Academy (SVA) Nandi Edouardo, founder of Simple View Academy, shares her journey creating a charter school in Georgia designed to integrate entrepreneurship, financial literacy, and project-based learning into traditional education. Her mission centers on empowering students—especially Black and brown youth—to become creators, innovators, and financially literate leaders.

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. George C. Fraser. Interview Purpose The purpose of this interview is to educate, challenge, and mobilize listeners—particularly within the Black community—toward financial literacy, economic empowerment, and generational wealth creation. Dr. Fraser uses his platform to stress that financial freedom is not accidental; it is the result of disciplined habits, strategic thinking, and collective economic action. He also emphasizes the critical role of networking, education, and ownership in shifting long‑standing economic disparities. Core Themes Discussed 1. Financial Literacy as a Survival Skill Dr. Fraser repeatedly emphasizes that financial illiteracy is dangerous and self‑defeating. He notes that many people are never formally taught how money works, leading to avoidable financial hardship. He argues that talking openly about money—in families, churches, and communities—is essential for progress. 2. The Three Rules of Financial Freedom Dr. Fraser outlines three foundational rules that, if consistently followed, lead to financial stability and independence: Housing costs should not exceed one week’s income Only borrow money to make money As income increases, cost of living should stay the same or decrease These rules are positioned as practical guardrails that protect individuals from overextension and debt traps. 3. Habits That Keep People Broke The interview details six destructive financial habits, including impulse buying, misuse of credit cards, paying minimum balances, and failing to build an emergency fund. Dr. Fraser stresses that these habits compound over time and prevent long‑term wealth accumulation.txt). 4. Generational Wealth Requires Structure Dr. Fraser introduces four pillars necessary for intergenerational wealth transfer: Proper management of accumulated wealth Real estate ownership Business ownership Intentional investing He explains that income alone does not create wealth; systems and ownership do.txt). 5. From Consumption to Ownership A recurring message is the need to shift from being a consumer class to becoming a producer and merchant class. Dr. Fraser encourages entrepreneurship at every level—no matter how small—to build ownership and control economic outcomes.txt). 6. Networking and Collective Economics Dr. Fraser highlights the importance of strategic networking and introduces concepts behind FraserNet and virtual economic ecosystems designed to connect Black professionals, businesses, and intellectual capital globally. He frames networking as an economic strategy, not a social activity. Key Takeaways Financial freedom follows rules, discipline, and education, not luck Talking openly about money is essential to breaking cycles of poverty Debt should only be used as a tool to produce returns Living below one’s means creates capital for investing Generational wealth requires planning, ownership, and systems Multiple income streams are no longer optional—they are necessary Networking is a vehicle for wealth creation and scale Notable Quotes “Your rent or mortgage should be no more than what you make in a week.” “Only borrow money to make money.”. “As your income increases, your cost of living should decrease or stay the same.”. “Stop living above your means. Stop living within your means. Live below your means—and invest the rest.”. “We are at the bottom of every economic statistic that matters. Education is the answer.”. “There should not be a Black person in America with a single stream of income.” “In America, somebody is always buying and somebody is always selling. Stop doing all the buying—sell something.”. Conclusion Dr. George C. Fraser’s interview serves as a call to action. It challenges listeners to confront unhealthy financial habits, embrace education, prioritize ownership, and build networks that support long‑term economic empowerment. The conversation underscores that true wealth is not about income alone, but about control, discipline, and legacy #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 Dr. George C. Fraser. Interview Purpose The purpose of this interview is to educate, challenge, and mobilize listeners—particularly within the Black community—toward financial literacy, economic empowerment, and generational wealth creation. Dr. Fraser uses his platform to stress that financial freedom is not accidental; it is the result of disciplined habits, strategic thinking, and collective economic action. He also emphasizes the critical role of networking, education, and ownership in shifting long‑standing economic disparities. Core Themes Discussed 1. Financial Literacy as a Survival Skill Dr. Fraser repeatedly emphasizes that financial illiteracy is dangerous and self‑defeating. He notes that many people are never formally taught how money works, leading to avoidable financial hardship. He argues that talking openly about money—in families, churches, and communities—is essential for progress. 2. The Three Rules of Financial Freedom Dr. Fraser outlines three foundational rules that, if consistently followed, lead to financial stability and independence: Housing costs should not exceed one week’s income Only borrow money to make money As income increases, cost of living should stay the same or decrease These rules are positioned as practical guardrails that protect individuals from overextension and debt traps. 3. Habits That Keep People Broke The interview details six destructive financial habits, including impulse buying, misuse of credit cards, paying minimum balances, and failing to build an emergency fund. Dr. Fraser stresses that these habits compound over time and prevent long‑term wealth accumulation.txt). 4. Generational Wealth Requires Structure Dr. Fraser introduces four pillars necessary for intergenerational wealth transfer: Proper management of accumulated wealth Real estate ownership Business ownership Intentional investing He explains that income alone does not create wealth; systems and ownership do.txt). 5. From Consumption to Ownership A recurring message is the need to shift from being a consumer class to becoming a producer and merchant class. Dr. Fraser encourages entrepreneurship at every level—no matter how small—to build ownership and control economic outcomes.txt). 6. Networking and Collective Economics Dr. Fraser highlights the importance of strategic networking and introduces concepts behind FraserNet and virtual economic ecosystems designed to connect Black professionals, businesses, and intellectual capital globally. He frames networking as an economic strategy, not a social activity. Key Takeaways Financial freedom follows rules, discipline, and education, not luck Talking openly about money is essential to breaking cycles of poverty Debt should only be used as a tool to produce returns Living below one’s means creates capital for investing Generational wealth requires planning, ownership, and systems Multiple income streams are no longer optional—they are necessary Networking is a vehicle for wealth creation and scale Notable Quotes “Your rent or mortgage should be no more than what you make in a week.” “Only borrow money to make money.”. “As your income increases, your cost of living should decrease or stay the same.”. “Stop living above your means. Stop living within your means. Live below your means—and invest the rest.”. “We are at the bottom of every economic statistic that matters. Education is the answer.”. “There should not be a Black person in America with a single stream of income.” “In America, somebody is always buying and somebody is always selling. Stop doing all the buying—sell something.”. Conclusion Dr. George C. Fraser’s interview serves as a call to action. It challenges listeners to confront unhealthy financial habits, embrace education, prioritize ownership, and build networks that support long‑term economic empowerment. The conversation underscores that true wealth is not about income alone, but about control, discipline, and legacy #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

What if the blueprint for building wealth hasn't changed in over 5,000 years? In this episode, Gino Barbaro breaks down the timeless principles from one of the most influential personal finance books ever written: The Richest Man in Babylon. While most people believe wealth creation is complicated, involving stock picking, market timing, economic cycles, and advanced investing strategies, the truth is much simpler. The foundation of wealth starts with habits. In this episode, Gino walks through the famous "Seven Cures for a Lean Purse" and explains how they apply to modern investing, entrepreneurship, real estate, financial planning, retirement, and creating long-term generational wealth. Whether you're just beginning your financial journey or looking to strengthen your wealth-building foundation, this episode provides timeless principles that still work today. Timestamps 00:00 – The Wealth Blueprint That Has Worked for 5,000 Years 01:28 – The First Cure: Pay Yourself First 05:54 – The Second Cure: Control Your Spending 07:40 – The Third Cure: Make Your Money Multiply 10:33 – The Fourth Cure: Protect Your Wealth 12:23 – The Fifth Cure: Make Your Home a Profitable Investment 16:06 – The Sixth Cure: Ensure Future Income 17:40 – The Seventh Cure: Increase Your Ability to Earn 19:17 – Practical Wealth-Building Exercises 20:00 – Create a Budget and Track Your Spending 22:30 – Finding the Right Investment Vehicle 24:12 – Avoiding Lifestyle Inflation 26:10 – Open Your First Investment Account 28:00 – Why Financial Education Matters 29:05 – The Importance of Tracking Net Worth 30:05 – Final Thoughts on The Richest Man in Babylon This episode is brought to you by Wheelbarrow Profits. Want to learn how successful investors create passive income, build financial freedom, and scale their wealth through multifamily real estate? Visit Wheelbarrow Profits to access educational resources, training, coaching, and tools designed to help investors take control of their financial future. We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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. Leketa Hawkins. Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

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. Leketa Hawkins. Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

In this powerful episode of Dope Interviews, Warren Shaw sits down with author, wealth management executive, philanthropist, and leadership strategist Ashley Varnado for one of the most transparent conversations we've ever had.Ashley shares her journey from a small town in Mississippi to managing multi-billion-dollar portfolios, becoming one of the few Black women in wealth management, and navigating the pressures of being a first-generation corporate executive. She opens up about generational wealth, trust funds, philanthropy, burnout, unhealthy ambition, surviving three strokes, and the life-changing decision to step away from corporate America for what she calls a “Radical Sabbatical.”This episode is a masterclass on wealth, leadership, resilience, mental health, purpose, and redefining success.If you've ever felt pressure to keep achieving, keep proving yourself, or keep moving the goalposts, this conversation is for you.#DopeInterviews #AshleyVarnado #GenerationalWealth #MentalHealth #LeadershipBecome a supporter of this podcast: https://www.spreaker.com/podcast/dope-interviews--5006633/support.Follow Dope Interviews on X: https://www.twitter.com/dope_interviewsFollow Warren Shaw on X: https://www.twitter.com/thewarrenshawFollow Warren on IG: https://www.instagram.com/thewarrenshawRock "Dope Interviews" gear: https://19-media-group.myspreadshop.comLooking to book a vacation? Our travel partner Exquiste Travel & Tours has you covered: Call 954-228-5479 or visit https://exquisitetravelandtours.com/Discover our favorite podcast gear and support the show—shop our studio must-haves on our Amazon Affiliate page! https://www.amazon.com/shop/19mediagroupWant to join the conversation or invite us to your platform? Connect with us and share your vision (budget-friendly collaborations welcome)!  https://bit.ly/19Guest

One of the biggest highlights is attorney Ben Crump teaming up with LL Cool J to launch a financial literacy platform aimed at underserved communities, offering tools and education to help close the wealth gap and support unbanked Americans. See omnystudio.com/listener for privacy information.

The Rickey Smiley Morning Show delivers a lively mix of inspiration, headlines, and culture—starting with a powerful prayer to set the tone before diving into conversations that blend community impact with trending entertainment news. One of the biggest highlights is attorney Ben Crump teaming up with LL Cool J to launch a financial literacy platform aimed at underserved communities, offering tools and education to help close the wealth gap and support unbanked Americans. The show also unpacks Gayle King’s headline-making interview, where her ex-husband publicly apologized for cheating with one of her close friends years ago—a deeply personal story she says many women can relate to, even after time and healing. On the entertainment side, the crew reacts to K. Michelle making it clear she has no interest in collaborating musically with her fellow Real Housewives castmates, saying she’s focused on her own established career and not “dabbling” outside her lane. Meanwhile, hip-hop fans have something to look forward to as Lil Wayne confirms that Tha Carter VII is “coming soon,” though he admits the title and timing are still up in the air as he continues to stack new music. Website: https://www.urban1podcasts.com/rickey-smiley-morning-show See omnystudio.com/listener for privacy information.

Making more money doesn't guarantee financial freedom. Today's guest explains what actually does.   If you've ever thought, “I make good money… so why do I still feel stressed about it?” — this episode is for you.   In this episode of Balanced, Beautiful & Abundant, Rebecca Whitman sits down with Andrew Giancola, host of The Personal Finance Podcast and founder of  Master Money .   Andrew teaches practical, proven strategies to help people build wealth, reduce financial anxiety, and create true financial freedom—not through hustle culture, but through intentional habits and smart systems.   Whether you're growing a business, building your next chapter, or simply want more peace around money, this conversation will help you create a stronger financial foundation.   ✨ In this episode, you'll learn:   • Why income is one of the biggest levers for creating wealth   • The exact order of operations for building financial freedom   • How to automate your finances and spend less time thinking about money   • Common mistakes even successful people make with wealth   • How to reduce financial stress and anxiety   • The difference between feeling wealthy and actually building wealth   • How to enjoy your life now while creating long-term security   • Small habits that create massive financial results over time   • What to focus on in the next 12 months to transform your finances   This episode is a reminder that abundance isn't just about earning more—it's about creating a life that feels aligned, peaceful, and financially empowered.  

Let us know your thoughts. Send us a Text Message. Follow me to see #HeadsTalk Podcast Audiograms every Monday on LinkedInHeads Talk - The Analysis - 

Our guest this episode is Robin Wigglesworth, the editor of Alphaville, the FT's financial blog. He leads a team of three other writers in London and New York that dig into anything deeply nerdy or plain delightful that they spot in markets, business, or the global economy. He joined the FT from Bloomberg News in 2008. Robin is the author of Trillions, published in 2021, a book on the past, present, and future of passive investing and how it is reshaping financial markets. His new book, A Fabulous Debt, will be published in the fall.   Rick Ferri, a long-time Boglehead and investment adviser, hosts this episode. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org, and the wiki site is Bogleheads® wiki.    Since 2000, the Bogleheads have held national conferences in major cities across the country. In addition, local Chapters and foreign Chapters meet regularly, and new Chapters form periodically. All Bogleheads activities are coordinated by volunteers who contribute their time and talent.   This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated.

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. Leketa Hawkins. Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

Hey lady! Are you ready to get your ish together once and for all? Then bust that notebook out, sis, because this week Dr. Dom and Terri have a powerhouse guest join them to drop gems on how to get your financial house in order so you can welcome great wealth and prosperity in your life for good!Rachel Rodgers is the founder and owner of Hello Seven, a multi-million dollar company that teaches diverse entrepreneurs how to earn more money and build wealth. She's written several books on how simple mindset shifts can generate long-lasting gains and she's here to offer more wisdom from her latest offering Future Millionaire: A Young Person's Step-by-Step Guide to Making Wealth Inevitable. Don't let the title fool you lady, this book is for all ages. In this episode Rachel offers a framework to help you get to the root of your financial ethos so that you can make decisions from a grounded and abundant place.Sometimes it's as simple as changing the internal dialogue from one of being broke to about to be rich. Making that shift can transform your financial life and put you in a position to build the life of your dreams.Rachel highlights the importance of community in building your best financial life. If you're looking for like-minded women to discuss the book and other issues that help you grow to your best self then head to Patreon where we gather for additional insights and resources. See you there! Quote of the Day:"No matter what your life or bank account looks like today, you can be wealthy."– Rachel Rodgers  Goal Map Like a Pro WorkbookCultivating H.E.R. Space Sanctuary  Where to find Rachel Rodgers:Website: Hello SevenBook: Future Millionaire: A Young Person's Step-by-Step Guide to Making Wealth InevitableInstagram: @rachrodgersesqLinkedIn: Rachel RodgersTwitter (X): @RachRodgersEsqFacebook: Rachel Rodgers  Resources:Dr. Dom's Therapy PracticeBranding with TerriMelanin and Mental HealthTherapy for Black Girls Psychology TodayTherapy for QPOC  Where to find us:Twitter: @HERspacepodcastInstagram: @herspacepodcastFacebook: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. Leketa Hawkins. Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

It's the time of year when all eyes are on LSU Baseball, a team that's won two College World Series championships in the last three years. But this year, it's LSU softball that's grabbing the spotlight, as the team heads to the Super Regional where they'll aim to punch a ticket to the Women's College World Series.Scott Rabalais has been covering the team for The Times-Picayune/The Advocate and joins us now for more.Recent financial data shows about 37% of Americans currently have less than $500 dollars in cash savings, a situation particularly critical for people with the lowest income levels or with children.Mint To Prosper Foundation is an organization that seeks to address financial issues that disproportionately affect disadvantaged populations. They offer a program that helps underserved families develop those essential savings to help with emergency expenses. They also run a free 10-week savings program for families in Baton Rouge called the Conqueror Community Savings Program. Executive Director Nesha Brown joins us for more. The Louisiana Children's Museum is addressing what it sees as a critical stage in early childhood development. “The First 1,000 Days Program” is designed to give parents tools to support their new child's social-emotional, cognitive and physical development. And they're recruiting a new cohort for that program.Early learning director Terri Baquet joins us with more.  —Today's episode of Louisiana Considered was hosted by Adam Vos. Our managing producer is Alana Schreiber. We get production support from Garrett Pittman and our assistant producer Aubry Procell.You can listen to Louisiana Considered Monday through Friday at noon and 7 p.m. It's available on Spotify, the NPR App and wherever you get your podcasts. Louisiana Considered wants to hear from you!Please fill out our pitch line to let us know what kinds of story ideas you have for our show. And while you're at it, fill out our listener survey! We want to keep bringing you the kinds of conversations you'd like to listen to.Louisiana Considered is made possible with support from our listeners. Thank you!

In this time of financial uncertainty, financial literacy is even more important than it ever was. Knowing what a credit score is, how it impacts interest rate on loans, and knowing how much to save can have a massive impact on your everyday life. Peter Kreten sits down with members of the Northwest Community Credit Union. Kreten is joined by NWCCU CEO Jose Garica, student intern Conor Murray, and NWCCU Board member Ron Luce to discuss these matters and why joining a credit union can help.

Meera Shaheen Yousif, Executive of Gender Equity and International Programs at NAMA Women Advancement, discusses the ongoing NAMA Talks and how they are constructively teaching women about understanding their own financial decisions. Listen to #Pulse95Radio in the UAE by tuning in on your radio (95.00 FM) or online on our website: www.pulse95radio.com ************************ Follow us on Social. www.facebook.com/pulse95radio www.twitter.com/pulse95radio www.instagram.com/pulse95radio

Young Futures is a community organization focused on creating unique art and educational programs that promote the conversation of health and wellness. The organization's founder, James Mitchell, spoke with Lennox Apudo and Sean Bernyk to talk about the various initiatives that the group is currently working on, including the Financial Literacy Arts Program. www.YoungFuturesCo.com

Episode Summary In this episode of Wade Borth Podcast, Wade Borth and Beth Reich tackle one of the most common reactions people have when they first hear about Infinite Banking and whole life insurance strategies: "This sounds too good to be true." Wade breaks down why skepticism around alternative financial strategies is natural, while also challenging listeners to examine the traditional banking and retirement systems with the same level of scrutiny. The conversation explores the difference between guaranteed assets and speculative investments, the role of liquidity during economic downturns, and why education and intentionality are essential when making financial decisions. Throughout the episode, Wade emphasizes that Infinite Banking is not about chasing unrealistic returns—it's about building control, certainty, access to capital, and long-term financial flexibility. Beth provides the perspective of the everyday consumer, asking the questions many listeners are already thinking: What's the catch? What are the risks? Why doesn't everyone do this? The episode ultimately becomes a discussion about mindset, financial literacy, and the risks of inaction when it comes to personal wealth-building. Links & Resources sagewealthstrategy.com Keywords Infinite Banking, Whole Life Insurance, Family Bank, Financial Freedom, Cash Flow, Policy Loans, Wealth Building, Personal Finance, Guaranteed Assets, Financial Literacy, Retirement Planning, 401k Alternatives, Liquidity, Opportunity Cost, Financial Education, Wealth Strategy, Passive Wealth, Banking System, Financial Independence, Wade Borth Episode Highlights 00:00–01:12 – Wade introduces the concept that money tends to flow back to people who understand how to use it effectively. 01:12–02:15 – Discussion on the profitability and structure of the modern banking system. 02:15–03:14 – Recommended books for understanding both the banking system and personal financial control. 03:34–04:58 – Wade explains why more people use Infinite Banking than most realize—it's simply private. 05:01–05:47 – The vision behind creating a "family bank" and building generational financial control. 06:19–07:33 – Why fear often comes from not understanding financial products and outcomes. 07:33–08:29 – Wade contrasts guaranteed assets with speculative investment returns. 08:29–09:26 – How policy loans provided liquidity and opportunity during the 2008 financial crisis. 09:26–10:28 – The importance of long-term thinking versus short-term liquidity concerns. 10:28–11:17 – Wade critiques the passive "set it and forget it" mindset around 401(k)s. 11:18–12:35 – The difference between arguing and genuinely wanting to learn. 13:46–14:58 – Wade answers the question: "What's the biggest risk with whole life insurance?" 14:58–16:07 – The hidden cost of inaction and lost financial opportunity over time. 18:58–20:06 – Common financial results come from common financial behavior. 22:02–22:57 – "A confused mind takes no action" — Wade explains why education matters more than selling.

Charlyn Tanner and Shannon Dwyer of Dutch Point Credit Union join us in studio to discuss Financial literacy, and even more education for young people going to college or starting life. They have a conference coming up to help students and other learn about these important things.

A powerful reminder: Not everyone grows up understanding money. One conversation revealed how difficult financial terminology can feel when nobody ever taught you investing, taxes, leverage, or wealth building. And honestly… most people were never taught. Not in school. Not at home. Not anywhere. But learning changes everything. Start understanding: ✔️ Compounding ✔️ Passive income ✔️ Leverage ✔️ Cash flow ✔️ Tax strategies Because wealth building isn't reserved for experts. It starts with education and consistent action.

Share your voice at www.hashtagimpact.com/more  We got a voice note! Thank you for being a voice for #impact, Nina! Connect with Nina here: https://www.linkedin.com/in/ninamartindasilva Listen on Apple, Spotify or any of your favorite Podcast players. Get in touch with #impact host Regina Larko at hello@hashtagimpact.com or connect on LinkedIn Want to share your voice on the... The post

Right Thinking with Steve Coplon | Guests: Bud ClarkeThis week's show is called "With a Little Help from My Friends" with Bud Clarke. Tune in and hear Steve continue the countdown to his 500th show with guest Bud Clarke. What a blessing for Steve to have Bud be his guest today. Bud is Steve's longest continuous, close friendship in his life. After listening to this show, you will understand how wonderful and how important it is to have lifelong close friendships. Remember that to have a friend, you must be a friend. https://www.talknetworkradio.com/hosts/right-thinking

Marcia Mantell, founder of Mantell Retirement Consulting and former VP at Fidelity Investments, joins The Power of the Ask to talk about what it takes to own your financial future. With 30 years of experience translating complex topics like Social Security and Medicare into language everyone can use, Marcia explores why women still remain disengaged from financial decisions, and how to change that. Marcia, Lisa, and Precious cover: Defining Your Value: When Marcia launched her business, someone told her she couldn't charge her rate. She said, "Watch me." Knowing what you're worth and standing by it is non-negotiable, whether you're negotiating a salary or building a retirement strategy. How to Reframe Your Ask: The most powerful asks focus on what the other person stands to lose, a principle Marcia uses with Social Security clients who want to claim early. Why Rejection is Critical Data: Marcia has quit three jobs, been told she'd never earn more, and launched a business that just celebrated 20 years.  Practicing Asking Out Loud: Before a high-stakes conversation, Marcia stands in front of a mirror and asks for what she wants. Hearing your own words builds confidence, and confidence builds momentum. Important Links:Savvy Ladies (https://www.savvyladies.org/)Precious Williams' LinkedIn (https://www.linkedin.com/in/precious-l-williams/)Lisa Zeiderman's LinkedIn (https://www.linkedin.com/in/lisazeiderman/Marcia Mantell's LinkedIn (https://www.linkedin.com/in/marciamantell/)Important Links for Beth:Mantell Retirement Consulting (https://www.linkedin.com/company/mantell-retirement-consulting-inc./)About Marcia Mantell:Marcia Mantell is a nationally recognized retirement expert, speaker, author, and founder of Mantell Retirement Consulting. With over 30 years of experience, she helps individuals and financial professionals understand complex topics like retirement income, Social Security, and Medicare in clear, actionable ways. A former Vice President at Fidelity Investments, Marcia is known for translating technical financial concepts into everyday language that empowers people to make confident decisions about their future. She is a frequent media contributor, podcast guest, and author of several books focused on retirement planning. 

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 Charles Cofield. Thanks! The transcript from this episode of Money Making Conversations Masterclass features an inspiring and high-energy interview with CPA and financial educator Carter Cofield, co-founder of Melanin Money. Here's a breakdown of the key highlights and takeaways:

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 Charles Cofield. Thanks! The transcript from this episode of Money Making Conversations Masterclass features an inspiring and high-energy interview with CPA and financial educator Carter Cofield, co-founder of Melanin Money. Here's a breakdown of the key highlights and takeaways:

Send us Fan MailWe talk with Andrea Sok about what a nonprofit fractional CMO actually does, how she prices and scopes the work, and why boards often need a reality check grounded in data and comparable benchmarks. Then Blake Allison walks us through Lifecents and Vetcents, a free, veteran-focused financial wellness toolkit built for trust, privacy, and real outcomes without selling anything to users. • fractional CMO work as executive-level nonprofit marketing leadership without full-time cost • smooth transitions during leave coverage through overlap and clear handoffs • pricing based on time, deliverables, team structure, and budget realities • board dynamics and how proof and peer examples reset expectations • blurred line between marketing and development for fundraising events and sponsorship materials • warning signs of broken nonprofit marketing, including doing nothing or repeating stale tactics • founder-led growth challenges, especially letting go and prioritizing highest ROI actions • storytelling as a core marketing lever, shaped by audience and delivery channel • LifeSense as a digital financial coach focused on outcomes, not “butts in seats” education • VetSense tailored guidance for veterans, with trusted resources and no monetization of participants • partnerships that add credibility, including VA-connected pathways and veteran-serving nonprofits • success story of delaying a home purchase to improve credit and save tens of thousands • web-based access at vetsense.org, quick intake, personalized coach report, and crisis resources Check them out once again, Vetcents.org For the nonprofits, soakinfluencerpr.com. If you like this, share it.  Like, Subscribe and Share. If you have comments or suggestions email us at: vetsconnectionpodcast@gmail.com. You can also find the video of this podcast on our YouTube Channel - Vetsconnection Podcast

Chris Holman welcomes back Shelia Scott, Community Financial Education & Business Development Officer, West Lansing Branch, LAFCU Headquarters. Welcome back, Sheila. Remind us about April being Financial Literacy Month? You recently wrapped up an 8-month class with a graduation. Tell us about that? $2500 is to be awarded to teachers soon. Tell us about that? Congratulations, LAFCU, for winning the statewide innovation award for tackling financial instability at its roots? » Visit MBN website: www.michiganbusinessnetwork.com/ » Watch MBN's YouTube: www.youtube.com/@MichiganbusinessnetworkMBN » Like MBN: www.facebook.com/mibiznetwork » Follow MBN: twitter.com/MIBizNetwork/ » MBN Instagram: www.instagram.com/mibiznetwork/ LAFCU to award $2,500 in grants to Michigan teachers Five $500 grants to support classroom needs; applications now open LANSING, Mich. — LAFCU is once again accepting applications for its Teachers Grant Contest, providing financial support to educators across Michigan to help enhance their classrooms and student learning experiences. The credit union will award five $500 grants, totaling $2,500, to Michigan teachers. The funds are intended to help cover the cost of classroom supplies, resources and other educational needs—reducing the out-of-pocket expenses many educators face. Michigan pre-K through 12th-grade teachers are encouraged to apply online at www.lafcu.com/teachersgrant through May 15. Applicants will be asked to briefly describe how the grant funds would benefit their classroom and students. Applicants do not need to be LAFCU members but must be legal residents of Michigan and actively teaching during the 2026-2027 school year. “Teachers consistently go above and beyond for their students, often purchasing supplies with their own money,” said Shelia Scott, LAFCU community financial education and business development officer. “Grants like this one help ease that burden by providing extra support for classroom tools and resources that enhance learning and student engagement.” Up to two grants may be awarded per school building. For more information or to apply, visit www.lafcu.com/teachersgrant. LAFCU also supports education through its Innovation for Education (LIFE) Grant, which awards $10,000 to one Michigan school annually for a project that enhances learning, creativity and student well-being. Schools have until May 1 to apply for the LIFE Grant here: www.lafcu.com/life. About LAFCU Founded in 1936, LAFCU (pronounced laugh-cue) is a not-for-profit, member-owned credit union open to all who live, work, worship or attend school in Michigan, and to Michigan businesses. LAFCU serves more than 74,000 members and holds over $1 billion in assets. With a particular focus on serving people of modest means, LAFCU is committed to enhancing its members' financial well-being and creating long-lasting positive change across generations. Awarded the prestigious Dora Maxwell Social Responsibility Community Service Award, LAFCU is known for its people-helping-people mission, which has led to award-winning financial literacy programs for all ages. A three-time honoree as a national ‘Best Credit Union to Work For,' LAFCU has also been recognized as a Best Place to Work for Women and an Inclusive Workplace and is recognized globally for its diversity, equity, and inclusion initiatives. Learn more at www.lafcu.com. # # #

MEEC Breaks Down Financial Literacy, Housing & Youth Empowerment Across America + MoreSee omnystudio.com/listener for privacy information.

Host Jeremy C. Park interviews Cecily Berry, Miss Shelby County 2026 and financial advisor with First Horizon Advisors, who discusses her journey in the Miss America organization and her work promoting financial literacy through Junior Achievement of Memphis and the Mid-South. Cecily talks about her ties to and passion for Memphis, her recent graduation from Union University with degrees in economics and executive leadership, and how her mother's previous competition 30 years ago inspired her to join, describing the organization's focus on developing professional leadership skills in women while serving their communities. The program involves various components including interviews, public speaking, and on-stage presence, with significant emphasis on community service and advocacy. Cecily discusses her work as a financial advisor and her decision to volunteer with Junior Achievement of Memphis and the Mid-South to address a lack of financial literacy in early education. She explains how Junior Achievement's experiential learning programs, from 3rd grade to high school, help develop essential financial skills like budgeting and investing. She shares how volunteering has transformed her as a leader, allowing her to better teach complex financial concepts to both children and adult clients, and demonstrating that financial education can be effective at all age levels. The conversation covers her experience competing at local, state, and potential national levels, emphasizing the personal growth in confidence and professional development that comes with representing the title, as well as the responsibility of representing the organization and cause. Cecily shares how she has built friendships and been inspired by the other contestants, and how the competition has brought her closer with her mother. She explains the differences between local, Miss Tennessee, and Miss America competitions, noting variations in scoring systems and the number of participants. She discusses how competing in these events has helped her grow in confidence and professional development, particularly in networking and public speaking situations. Jeremy asks how others can support and follow her journey, to which Cecily suggests following her on social media and providing support through likes and comments online and through support of Junior Achievement of Memphis and the Mid-South. Follow @MissShelbyCountyTN on Instagram.

Haley Sacks, also known as Mrs. Dow Jones, talks about her new book, her journey to financial literacy, and how she uses social media to help the younger generations decode and understand the world of finance. Sacks spoke with Bloomberg's Carol Massar and Tim Stenovec.See omnystudio.com/listener for privacy information.

Build-A-Biz is a nonprofit organization dedicated to providing financial literacy education to students from Kindergarten to young adults. Two of the minds behind the organization join Jon on Your Money Matters. Students Idhant Ranjan and Ankita Senapati share how Build-A-Biz got started. The duo shares how they give classes twice a week, their work in […]

Most people think about taxes only once a year — when it is time to file. But real tax strategy happens throughout the year.In this episode of One More Round, Josh Norris, ChFC, breaks down the difference between tax filing and tax planning, and why business owners, high-income earners, families, and retirees should be having proactive conversations before tax season arrives.Josh covers common tax planning topics like retirement contributions, 401(k)s, Roth strategies, self-employed deductions, business purchases, tax credits, and why assuming you'll be in a lower tax bracket in retirement can be a costly mistake.This episode is for educational purposes only and is not tax, legal, or financial advice. Always consult your CPA, tax professional, or financial advisor for guidance specific to your situation.In this episode, we discuss: Why tax planning is not the same as tax filing  Common mistakes people make with taxes  How retirement contributions can affect taxable income  Pre-tax vs. Roth strategies  Why retirement income may still create a tax burden  How business owners can think more strategically throughout the year  Why quarterly planning conversations can make a big difference To learn more or schedule a conversation, connect with Josh Norris, ChFC, and the Arrive Financial team.

FREE RESOURCE:  Check out the group health calculator! https://www.michelleperis.com/lm-group-program-calculator-opt-in FREE RESOURCE: Check out the Collective Creator Academy: https://michelle-peris.mykajabi.com/cca-evergreen In this episode of the Wild Medicine Podcast, Dr. Tara shares her insights on financial management for new entrepreneurs, particularly in the field of naturopathic medicine.  She discusses the importance of financial organization, tax planning, understanding different financial accounts, managing student loans, and the power of investing and compounding interest.  Dr. Tara emphasizes the need for a solid financial plan and encourages listeners to explore additional income streams while fostering financial literacy.  The episode concludes with a message of empowerment and the importance of understanding one's financial situation.   Takeaways I wish I knew more about money as a new entrepreneur. Finding an accountant familiar with entrepreneurs is crucial. Separate bank accounts make tracking finances easier. Save for your taxes right off the bat. Education credits can help reduce your tax burden. Have a plan for paying off student loans. Compounding works both ways, for debt and investments. Understanding your numbers is empowering. Explore other sources of income as an entrepreneur. It's never been easier to get started with finances.   Chapters 00:00 Introduction to Entrepreneurial Finances 04:09 The Importance of Financial Organization 07:08 Tax Responsibilities and Planning 10:03 Understanding Financial Accounts 14:05 Managing Student Loans 17:05 Investing and Compounding Interest 19:38 Creating a Financial Plan 22:35 Exploring Additional Income Streams 25:17 The Power of Financial Literacy 29:51 Conclusion and Encouragement   Stay Wild. Connect with Dr. Michelle on INSTAGRAM Connect with Dr. Tara on INSTAGRAM This episode is brought to you by: www.MichellePeris.com Ready to reclaim your Wild? JOIN THE WAITLIST Learn more about The Poppy Clinic: www.poppyclinic.com Is Naturopathic Medicine for you: LEARN MORE HERE Take our HORMONE QUIZ Are you a clinician looking for more impact? START HERE

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Matt, Cody, and Rabih talk about emerging markets and how cultural, political, and economic factors impact the decline of the Chinese stock market. They also discuss the results of a financial literacy test across different age groups and what it reveals about how each generation consumes financial content and develops money habits. Finally, they dive into the importance of understanding behavioral streaks and how gambling on money differs from long-term investing. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

John continues his conversation with Michelle Campbell. Michelle talks about all the pain she went through, how she turned it into her purpose, and shares that she would never wish her painful experiences on anyone, but also would not trade them for an easier life. In Part 1, Michelle shared her journey to becoming a serial entrepreneur, the importance of understanding your relationship with money, and why financial literacy is about more than just money. Listen to this episode to learn more: [00:00] - Why Michelle won't trade her pain for an easier life [03:33] - Impact of Michelle's faith on her life and business [05:50] - Starting #Stability with a promise to help others when her life improved [08:54] - Why John doesn't lead with religion or politics in business [12:05] - Why Michelle speaks about spirituality carefully and respectfully [13:34] - Forgiving the people who hurt her [17:35] - Michelle's definition of success [18:59] - #1 daily habit [20:35] - Traits of a great leader [23:43] - What "no boss" really means for entrepreneurs [24:55] - The legacy Michelle wants to leave behind [26:05] - From athletic training to engineering to real estate to finance [32:24] - Best way to connect with Michelle [37:12] - Michelle's love for the Nebraska Cornhuskers [42:39] - Wrap-up NOTABLE QUOTES: "You can lie to the world, but you can't lie to yourself." "To thine own self be true." "You've got to be truthful to yourself; otherwise, you'll never get down to it. You'll never get further." "Me having an easier life — and actually, underneath it all, me and everybody else around me still going through pain, tragedies, and challenges, not knowing how to express them, and feeling alone — that's not a win." "Don't live with any regrets. Don't regret anything. Everything counts. Nothing will be wasted." "Find the lesson ... appreciate what it was ... then just move on." "Success is finding your purpose in life and doing what makes you happy on your level, not to impress or please anybody else." "A good leader has the mind to be neutral enough to do what's best for the masses, and humble enough to take advice, listen, be corrected, and hear what other people want." "I'm not saying you need to be in the gym every day, be a bodybuilder, and eat salads for a living. But be in good health, decent health, so that you can have longevity in your life." "I like to invest in myself by investing in other people. And so, I am very stingy with my time, because it's the only thing that we can't get back." "I make it a point to spend time with people who know different things than me, so that I can feed off their energy, especially people who have done something that I want to do." "I'm grateful for all the people who came into my life, the people I've been friends with for 20 years or more, and I'm grateful for the people who broke my heart, because I wouldn't have learned." USEFUL RESOURCES: https://bymichellecampbell.com/ https://bluebirdmemoir.com/ https://linktr.ee/bluebirdmemoir https://www.instagram.com/bymichellecampbell/ https://www.instagram.com/bluebirdmemoir/ https://hashtagstability.org/ https://www.taxshell.com/ Bluebird: A Memoir of Trauma, Heartbreak, and Divine Beauty in the Struggle (https://a.co/d/04SJIEqJ) CONNECT WITH JOHN Website - https://iamjohnhulen.com    LinkedIn - https://www.linkedin.com/in/johnhulen Instagram - https://www.instagram.com/johnhulen    Facebook - https://www.facebook.com/johnhulen    X - https://x.com/johnhulen    YouTube - https://www.youtube.com/channel/UCLX_NchE8lisC4NL2GciIWA    EPISODE CREDITS Intro and Outro music provided by Jeff Scheetz - https://jeffscheetz.com/ 

Tom takes a Wall Street Journal retirement-account quiz while Don gleefully plays game show host, leading to a surprisingly useful (and occasionally chaotic) discussion of HSAs, Roth IRAs, Trump accounts, 529 plans, contribution limits, and retirement withdrawal rules. The episode then pivots into listener questions about ACAT transfer anxiety during market volatility and a blistering takedown of indexed annuities, including misleading “bonuses,” surrender charges, and the illusion of “market returns without risk.” The show wraps with a spirited rebuttal to a listener defending annuities and a reminder that insurance companies aren't charities—they're math machines built to profit from your longevity assumptions.0:05 Wall Street Journal retirement-account quiz begins1:06 Admitting financial advisors don't know everything1:50 AI voices, digital immortality, and cloned Don4:01 HSAs and the “triple tax advantage”5:20 Roth vs. traditional IRA tax treatment6:34 Employer matches and “Trump accounts”7:46 529 contribution-limit confusion8:47 IRA contribution eligibility and earned income11:17 Rule of 55 for penalty-free 401(k) withdrawals12:37 Trump accounts requiring U.S. stock index funds14:25 Expanded 529 eligible expenses under new law16:06 Listener question about ACAT transfer anxiety during volatility18:24 Why missing a few market days usually doesn't matter20:57 Indexed annuity “bonus” pitch dismantled23:17 Why Don despises most insurance investment products24:27 Listener challenges the show's annuity criticism26:12 Why annuities and bonds are not equivalent28:09 Long-term market assumptions vs. fear-based selling29:22 Appella's free portfolio-review philosophy29:51 Immediate annuity math and the “you're getting your own money back” argument31:23 Why insurance companies usually win the longevity bet32:15 Mattress-money analogy for annuity payouts32:59 Closing thoughts and growing podcast downloadsQuestions? Comments? Click!

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. Leketa Hawkins. Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

In this episode of Next Level Healing, Dr. Tara Perry sits down with New York Times bestselling author, CPA, entrepreneur, and financial literacy advocate Sharon Lechter, co-author of Rich Dad Poor Dad and long-time partner of both the Rich Dad Company and the Napoleon Hill Foundation. Sharon's Origin Story: Money at the Dinner TableSharon grew up lower middle class in a family of entrepreneurs, living between her father's used car lot and her mother's beauty shop, and helping manage rental properties from the age of 10. [4:50] [5:00]Her family also owned orange groves; her father taught her that the oranges were cashflow while the land itself would grow in value—land that later became part of SeaWorld in Orlando. [5:10]Money, assets, and investing were regular dinner-table topics, shaping her understanding of wealth early on. [5:10] [5:24]She became the first in her family to attend college, was the only woman in her accounting classes, and one of the first women in public accounting in the late 1970s, where she learned how companies succeed and fail. [5:24] [5:51]From Talking Books to Rich Dad Poor DadSharon helped build a global company around the first talking children's books with sound strips, licensing with Disney, Warner Brothers, Sesame Street, and Marvel Comics to get kids excited about reading. [6:17] [6:35]After selling that company and moving to Arizona, her oldest son went to college, was lured into credit card offers with “free pizza” and “free t-shirts,” and ended up in serious debt—an experience that took him seven years to repair and ignited Sharon's lifelong commitment to financial literacy. [6:50] [7:12] [7:36]In December 1992, she dedicated the rest of her career to financial education, initially working with school systems. [7:56]Meeting Robert Kiyosaki & Building a Global BrandSharon's husband, an intellectual property attorney, introduced her to Robert Kiyosaki, who had created the board game CASHFLOW. [8:11] [8:33]At the first beta test, Sharon was the only player to get out of the “rat race,” and she loved how the game aligned with her teachings on investing, assets, and the difference between active and passive income. [8:33] [8:46]Drawing on her experience commercializing products, she helped Robert bring the game to market. When he wanted to price it at $200 in 1996, she suggested writing a brochure to explain his philosophy and justify the investment. [9:09] [9:21]That “brochure” became Rich Dad Poor Dad, which they co-wrote and never expected to become a standalone phenomenon; their company was originally branded Cashflow Technologies. [9:38] [9:54]Over a 10-year partnership, Sharon served as CEO, co-authored 15 books, created multiple games and infomercial products, and launched the Rich Dad Advisors series, helping build what became the world's largest personal finance brand in 110 countries and 51 languages. [9:54] [10:09] [10:28]Leaving Rich Dad & New Doors OpeningAfter a decade, Robert wanted to move into franchising, which Sharon felt was not a good model for franchisees; she chose to leave, emphasizing that sometimes you must close one door for others to open. [10:28] [10:41]Shortly after, she was appointed by President George W. Bush to the first President's Advisory Council on Financial Literacy, later serving under President Obama as well—an opportunity she believes she would not have had if she'd stayed at Rich Dad. [1:29] [10:52] [11:08]In March 2008, the Napoleon Hill Foundation invited her to help reinvigorate Hill's teachings, leading her into the world's largest personal development brand. [11:08]

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 Al Smith. Interview Purpose The purpose of this interview is to explore life transitions, resilience, and financial discipline through the lens of elite performance, using Al Smith’s journey from NFL All‑Pro to executive, entrepreneur, and community leader as a blueprint. The conversation highlights how preparation, education, mindset, and adaptability are essential when dreams evolve or abruptly change. This interview also serves to connect the experiences of professional athletes with those of small business owners and entrepreneurs, emphasizing that success in both arenas requires discipline, accountability, and long‑term thinking. Major Themes & Key Takeaways 1. Education as a Safety Net and Strategy Al Smith made the deliberate decision to finish his college degree before fully committing to the NFL, recognizing that professional sports offered no guarantees. This choice gave him leverage, confidence, and security—both mentally and financially—throughout his career. Key takeaway: Always secure something tangible before going “all in” on an uncertain opportunity. 2. Turning Fear into Fuel Smith openly discusses fear—fear of being cut, fear of competition, fear of uncertainty—and how he learned to convert fear into motivation rather than paralysis. He treated each season as if it were his last, approaching preparation with urgency and focus. Key takeaway: Fear is inevitable; how you respond to it determines longevity and success. 3. Competition Is Not the Enemy Competition played a central role in Smith’s development. Rather than avoiding it, he embraced it, understanding that growth requires discomfort. He credits adversity, pressure, and coaching challenges with sharpening his performance and character. Key takeaway: Competition strengthens discipline and reveals accountability. 4. Financial Literacy and Lifestyle Discipline Smith addresses the common financial pitfalls faced by professional athletes, many of which also apply to entrepreneurs: Lifestyle inflation Supporting others without boundaries Delegating financial decisions without understanding them Trying to maintain an image instead of sustainability Smith’s financial stability was aided by mentors, personal involvement in decisions, and a mindset focused on not owing—not just earning. Key takeaway: Financial success is not about income—it’s about control, habits, and awareness. 5. Mentorship and Environment Matter Smith emphasizes the value of surrounding himself with successful, disciplined people both on and off the field. Mentorship influenced how he thought about money, effort, competition, and leadership. Key takeaway: Proximity shapes thinking; environment influences outcomes. 6. Preparing for Life After the Dream Even while succeeding in the NFL, Smith planned for the transition ahead. This forward thinking led to opportunities in the front office, business, and leadership. He viewed this transition as a chance to open doors for others and to understand the business side of sports. Key takeaway: The end of one dream can be the beginning of a larger purpose. 7. Athletes and Entrepreneurs Face the Same Reality Smith draws a direct parallel between: Athletes competing yearly with no guarantees Entrepreneurs running businesses without security or routine Both require maximum effort, preparation beyond the clock, and resilience. Key takeaway: There is no 40‑hour workweek when you are building something of your own. Notable Quotes “I turned my fear into fire.” “There are no guarantees—every year is a one‑year deal.” “I treated every season like it was my last.” “You don’t want to owe. You want to own.” “Don’t be scared of competition.” “The gain outweighs the strain.” “Prepare so that if it ends tomorrow, you’re still standing.” Overall Message Al Smith’s interview is a powerful lesson in discipline, foresight, and adaptability. It reframes success as something built through preparation before opportunity arrives and sustained by humility, mentorship, and intentional decision‑making. His story reinforces that dreams evolve—but character, work ethic, and financial awareness determine whether those transitions become setbacks or stepping stones. #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 Al Smith. Interview Purpose The purpose of this interview is to explore life transitions, resilience, and financial discipline through the lens of elite performance, using Al Smith’s journey from NFL All‑Pro to executive, entrepreneur, and community leader as a blueprint. The conversation highlights how preparation, education, mindset, and adaptability are essential when dreams evolve or abruptly change. This interview also serves to connect the experiences of professional athletes with those of small business owners and entrepreneurs, emphasizing that success in both arenas requires discipline, accountability, and long‑term thinking. Major Themes & Key Takeaways 1. Education as a Safety Net and Strategy Al Smith made the deliberate decision to finish his college degree before fully committing to the NFL, recognizing that professional sports offered no guarantees. This choice gave him leverage, confidence, and security—both mentally and financially—throughout his career. Key takeaway: Always secure something tangible before going “all in” on an uncertain opportunity. 2. Turning Fear into Fuel Smith openly discusses fear—fear of being cut, fear of competition, fear of uncertainty—and how he learned to convert fear into motivation rather than paralysis. He treated each season as if it were his last, approaching preparation with urgency and focus. Key takeaway: Fear is inevitable; how you respond to it determines longevity and success. 3. Competition Is Not the Enemy Competition played a central role in Smith’s development. Rather than avoiding it, he embraced it, understanding that growth requires discomfort. He credits adversity, pressure, and coaching challenges with sharpening his performance and character. Key takeaway: Competition strengthens discipline and reveals accountability. 4. Financial Literacy and Lifestyle Discipline Smith addresses the common financial pitfalls faced by professional athletes, many of which also apply to entrepreneurs: Lifestyle inflation Supporting others without boundaries Delegating financial decisions without understanding them Trying to maintain an image instead of sustainability Smith’s financial stability was aided by mentors, personal involvement in decisions, and a mindset focused on not owing—not just earning. Key takeaway: Financial success is not about income—it’s about control, habits, and awareness. 5. Mentorship and Environment Matter Smith emphasizes the value of surrounding himself with successful, disciplined people both on and off the field. Mentorship influenced how he thought about money, effort, competition, and leadership. Key takeaway: Proximity shapes thinking; environment influences outcomes. 6. Preparing for Life After the Dream Even while succeeding in the NFL, Smith planned for the transition ahead. This forward thinking led to opportunities in the front office, business, and leadership. He viewed this transition as a chance to open doors for others and to understand the business side of sports. Key takeaway: The end of one dream can be the beginning of a larger purpose. 7. Athletes and Entrepreneurs Face the Same Reality Smith draws a direct parallel between: Athletes competing yearly with no guarantees Entrepreneurs running businesses without security or routine Both require maximum effort, preparation beyond the clock, and resilience. Key takeaway: There is no 40‑hour workweek when you are building something of your own. Notable Quotes “I turned my fear into fire.” “There are no guarantees—every year is a one‑year deal.” “I treated every season like it was my last.” “You don’t want to owe. You want to own.” “Don’t be scared of competition.” “The gain outweighs the strain.” “Prepare so that if it ends tomorrow, you’re still standing.” Overall Message Al Smith’s interview is a powerful lesson in discipline, foresight, and adaptability. It reframes success as something built through preparation before opportunity arrives and sustained by humility, mentorship, and intentional decision‑making. His story reinforces that dreams evolve—but character, work ethic, and financial awareness determine whether those transitions become setbacks or stepping stones. #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.