The Steve Harvey Morning Show

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard.
Purpose of the Interview
The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned.
Key Takeaways
Background and Career Path
Latrease has a finance degree and started in investment operations in 1999.
Transitioned from auto financing and co-owning a car dealership to mortgage lending.
Became an independent mortgage broker in 2022 after being laid off during rising interest rates.

Role of an Independent Mortgage Broker
Holds her own license and partners with multiple lenders to offer tailored loan products.
Advocates for borrowers to ensure they get the right product, not just approval.
Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges.

Home Financing Insights
Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance.
Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs.
FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers.

Credit Challenges
Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates.
Latrease consults and provides “what-if” scenarios to help clients improve credit over time.

Entrepreneurial Lessons
Mistakes: Starting without enough capital and a strong pipeline; economic timing matters.
Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent.

Notable Quotes
On independence:
“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.”

On reverse mortgages:
“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.”

On credit challenges:
“Programs go as low as 500 credit score, but those borrowers need 10–20% down.”

On entrepreneurial advice:
“Make sure you have strong capital and a solid pipeline before stepping out on faith.”

On perseverance:
“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.”

#SHMS #STRAW #BEST
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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Will Moreland.
🎯 Purpose of the Interview
To highlight Dr. Will Moreland’s journey from combat veteran to global leadership expert, and to share his insights on executive coaching, building winning cultures, overcoming fear, and turning passion into profit through his Million Dollar Speaker Framework.
🗝️ Key Takeaways 1. Background & Credentials
Two-time combat military veteran (Bosnia and Iraq).
Business Hall of Fame inductee.
Founder of Moreland Training & Associates.
Holds a Doctorate in Strategic Leadership.
Based in Phoenix, Arizona.
2. Leadership Philosophy
Leadership begins with self-leadership.
Civility—defined as “intentional respect for others”—is key to productivity and profitability.
“People respected are more productive.”
Focus on people before profit to build sustainable success.
3. Building Winning Cultures
Uses the Civility Advantage Framework with six pillars: Clarity: Define how you want your culture to feel.
Communication: Reinforce cultural values consistently.
Consistency: Embed values into daily operations.

Offers anonymous assessments to audit company culture and align leadership with employee experience.
4. Executive Coaching & Leadership Development
Helps leaders transition from task-based roles to people-based leadership.
Uses his book Leading with Civility and the CHAMPS Framework in a six-month curriculum.
Emphasizes discipline, emotional intelligence, and people skills.
5. Overcoming Fear
Fear is often a result of lack of information.
Encourages leaders to confront fear with clarity and education.
Example: AI is not a threat, but a tool to enhance productivity.
“You won’t be replaced by AI—you’ll be replaced by someone who embraced AI.”
6. Million Dollar Speaker Framework (PAM Formula)
Positioning: Define your unique message (e.g., Les Brown’s “You gotta be hungry!”).
Advantage: Identify your competitive edge.
Marketing: Deliver consistent messaging to build brand recognition.
7. Living from Your CORE
A personal decision-making framework:
C – Clarity
O – Opportunities
R – Relationships
E – Experiences
“If it doesn’t align with your CORE, it’s a no.”
8. Legacy & Impact
Committed to training better humans and promoting the Golden Rule.
Believes in empowering others through leadership, civility, and education.
💬 Notable Quotes
“Civility is profitable. Incivility costs billions.”
“Discipline is the bridge from where you are to where you want to be.”
“Fear is just information. The more you know, the less you fear.”
“You don’t need a lot of people—you need the right people.”
“Live from your CORE: Clarity, Opportunities, Relationships, Experiences.”
📌 Final Thoughts
Dr. Will Moreland’s interview is a masterclass in leadership, personal growth, and business strategy. His frameworks and philosophies offer practical tools for entrepreneurs, executives, and aspiring speakers to build impactful careers and cultures.
#SHMS #STRAW #BEST
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The Steve Harvey Morning Show for Monday, February 2nd, 2026: Steve Harvey's Morning Inspiration | Show Open | The Pastors | Ask The CLO | Entertainment News - Grammy Recap | One Has To Go | Sista O'Dell | Nephew Tommy's Prank - "Black History Month" | Strawberry Letter - "Whose Side Is He On?" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Too Old For The Club | Would You Rather | Steve Harvey's Closing Remarks
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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Lisa Mulrain.
Summary of the Interview
On Money Making Conversations Masterclass, Rushion McDonald interviews Lisa Mulrain—CEO of Legacy Building LLC, a financial literacy and legal services entrepreneur with more than 30 years of federal government experience as a securities attorney. Lisa’s mission is to empower individuals and small businesses through financial education, credit repair, debt management, estate planning, and investment strategy.
The interview highlights her transition from government attorney to entrepreneur, the purpose behind Legacy Building LLC, and the unique combination of her legal expertise and financial coaching. She breaks down how underserved communities can close knowledge gaps, develop stronger money mindsets, repair credit, invest wisely, and protect assets through estate planning. She also explains the emerging opportunities in tokenized real estate, fractionalized Ginnie Mae securities, and the importance of research before investing.
The conversation is highly practical—covering everything from budgeting to Roth IRAs, 401(k) matches, brokerage accounts, credit consolidation, and asset protection through trusts and wills. Lisa stresses empowerment through education and long-term wealth building.
Purpose of the Interview
1. To introduce Lisa Mulrain’s financial literacy and legal services mission
The interview showcases how Legacy Building LLC helps clients improve credit, manage debt, understand investments, and plan estates.
2. To educate listeners about emerging financial trends
Lisa explains tokenized real estate, fractional Ginnie Mae securities, and policy changes that create new wealth-building opportunities.
3. To emphasize financial empowerment for underserved communities
She focuses on shifting money mindsets, breaking cycles of scarcity, and building generational wealth.
4. To highlight the importance of estate planning
She stresses that wills, trusts, and powers of attorney are foundational—not optional.
5. To offer actionable investing and credit strategies
Listeners gain practical tools to start improving their finances immediately.
Key Takeaways
1. Financial literacy begins with mindset
Before fixing credit, individuals must understand their past beliefs about money and scarcity.
Many financial mistakes originate from “lack mentality.”
2. Credit repair requires root-cause analysis
Lisa teaches clients to:
Identify how they fell into debt
Negotiate with creditors
Remove charge-offs when possible
Avoid repeating harmful financial behaviors
3. Estate planning is essential for everyone—not just older adults
A proper estate plan includes:
A trust (primary document)
A “pour-over” will for missed assets
Healthcare proxies & POAs
Instructions for managing assets during incapacity or after death
Common tragedies—Prince, Aretha Franklin, Michael Jackson—show how lack of planning complicates estates.
4. Invest intentionally and consistently
Key investment tools Lisa recommends:
Maximize 401(k) contributions, especially employer matches
Favor S\&P 500 index options in retirement plans
Fund a Roth IRA for tax-free growth
Open brokerage accounts with established firms (e.g., Schwab, Fidelity)
Buy fractional shares to invest even with small amounts
Focus on time in the market, not timing the market
5. Tokenized real estate and fractionalized Ginnie Mae securities are groundbreaking
Lisa explains how changes in federal policy and crypto infrastructure enable new low-barrier investment opportunities—such as Ginnie Mae-backed fractional securities for as little as $50.
6. Research, research, research
Before buying any stock, investors should monitor:
Long-term trends
Earnings calls
Layoffs (strategy vs. crisis)
Market cycles
Influential investors’ moves
7. Legacy Building LLC merges financial education + legal protection
Her dual firms allow clients to:
Learn how to build wealth
Legally protect their assets
Create generational stability
8. Wealth building requires discipline—not brand-driven spending
She warns against sinking money into luxury goods without appreciating assets to match.
Notable Quotes
(All pulled directly from the transcript.)
On why she does this work
“Helping people has always been at my core.”
“I wanted to get involved in finance because that was the one central factor that made the difference between the haves and the have nots.”
On mindset & credit
“Let’s examine your money mindset.”
“We adopt a lack mentality… we already start from a place of ‘we don’t have it.’”
On estate planning
“Whatever you’ve accumulated… you don’t have a plan.”
“It could take years for it to go through probate.”
“Your trust is the main document.”
On investing
“You are leaving money on the table if you don’t get that 401(k) match.”
“Don’t time the market… it’s about time in the market.”
“Scare money don’t make money.”
On financial habits
“Be diligent in your acquisitions.”
“You cannot make any money if you are not investing. Period.”
On opportunities in new investment tech
“Tokenized real estate is very new and novel… real physical assets backing crypto.”
“Ginnie Mae securities are now eligible for fractionalized shares… with guaranteed repayment.”
#SHMS #STRAW #BEST
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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sharise Nance.
Purpose of the Interview
To showcase Sharise Nance’s mission in mental health advocacy, entrepreneurship, and workplace wellness.
To discuss her companies: Hand in Hand Counseling Services – addressing mental health disparities in Black communities.
Vitamin C Healing – building trauma-sensitive, wellness-centered workplace cultures.

To educate on stress, burnout, compassion fatigue, and financial equity in the mental health field.
Key Takeaways
Hand in Hand Counseling Services
Founded with college roommate Tess Kenny in Pittsburgh.
Created a safe space for mental health support in underserved communities.
Celebrating 12 years in operation.

Breaking Mental Health Stigma
Built trust through community presence and transparency.
Advocated therapy as normal: “I’m a therapist who has a therapist.”
Education on what therapy is and isn’t.

Understanding Stress
Eustress (positive stress) vs. Distress (overwhelming stress).
Physical signs: sweating, rapid heartbeat, tense shoulders, jaw clenching.
Stress can lead to depression and anxiety—seek professional help.

Impact of COVID-19
Isolation amplified mental health issues.
Introduced concept of co-regulation—healing through community and connection.

Vitamin C Healing
Originated from her book Vitamin C Healing for the Mind, Body.
Evolved into a brand offering workshops, consultations, and burnout assessments.
Focused on helping professionals and leaders prevent compassion fatigue.

Financial Equity in Mental Health
Advocates for fair pay: “We can care deeply and earn abundantly.”
Challenges the mindset that passion work means low income.
Encourages professionals to set boundaries and value their expertise.

Burnout & Organizational Cost
Unaddressed burnout costs companies millions annually.
Leads to quiet quitting, low productivity, and high turnover.
Investing in wellness saves money and improves culture.

Personal Journey
Biggest bet: leaving full-time job in 2017 to pursue entrepreneurship.
Therapy helped her navigate fear and grief (especially after losing her father).
Quote: “Feel the fear and do it anyway.”

Notable Quotes
“We can care deeply and earn abundantly.”
“I’m a therapist who has a therapist.”
“Feel the fear and do it anyway.”
“We heal when we are in community—it’s hard to heal in isolation.”
“Compassion fatigue isn’t just a feel-good topic; it costs companies millions.”
“Betting on myself was the best investment I ever made.”
#SHMS #STRAW #BEST #AMI
Support the show: https://www.steveharveyfm.com/
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