The Steve Harvey Morning Show

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Steve Selengut.
Also known as The Income Coach. Here's a detailed summary of the episode:
🎙️ Guest: Steve Selengut
Veteran private investment manager with over 40 years of experience.
Author of Retirement Money Secrets, his second book.
Focuses on helping people achieve income independence through smart investing.
Runs an educational income investing community.
📘 About the Book: Retirement Money Secrets
Written as a conversational story about a couple on a river cruise who learn about a different approach to retirement investing.
Emphasizes common sense financial strategies over complex jargon.
Focuses on closed-end funds as a key investment tool.
💡 Key Concepts Discussed 🔒 Closed-End Funds (CEFs)
One of the oldest investment vehicles, dating back to the 1800s.
Structured as pass-through trusts that must return 95% of earnings to shareholders.
Focused on income generation rather than capital appreciation.
Can invest in stocks, bonds, mutual funds, and ETFs.
🔥 FIRE Movement
Stands for Financial Independence, Retire Early.
Steve aligns more with generating sustainable income than early retirement per se.
🎯 Income Independence
The goal is to generate enough income from investments to replace employment income.
Allows flexibility to retire, start a business, or pursue other passions.
🛡️ The Four Risk Minimizers
Quality: Invest only in what you understand and in companies with a proven track record.
Diversification: Spread investments across sectors, geographies, and management firms.
Income: Only invest in securities that pay dividends or interest.
Profit-Taking Discipline: Set target profits (e.g., 5%) and sell when reached, reinvesting gains.
💬 Common Sense Investing Tips
Buy stocks in companies you use or understand (e.g., Home Depot, Apple, Chipotle).
Use tools like Yahoo Finance or CEFConnect.com to research dividend history and fund performance.
Avoid speculative or zero-income investments.
Treat your portfolio like a retail store—sell when profitable and restock wisely.
🌐 Connect with Steve Selengut
Available on Facebook and LinkedIn.
Offers access to an educational investing community with 450+ members.
Book includes full contact details and resources.
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Demond Martin.
✅ Summary of the Interview: Demond Martin on Money Making Conversations Masterclass
Demond Martin—co‑founder and CEO of Well With All, a Black‑owned purpose‑driven wellness brand—joins Rushion McDonald to discuss health equity, entrepreneurship, his life story, his upcoming book Friends of the Good, and his new $1M AI Health Equity Prize.
Martin shares how his difficult upbringing in the projects and rural North Carolina shaped his commitment to giving back. After a successful 21‑year career as the only Black partner at a major hedge fund, he launched Well With All to merge consumer products, wellness, and social impact. The brand donates 20% of its profits to health‑equity initiatives.
He discusses product innovation, the importance of supplements in underserved communities, the power of Black longevity, and the need to prepare younger generations for healthier futures. He also explains his upcoming book—which uses Aristotle’s philosophy of “friends of the good” to show how meaningful relationships enable success.
The conversation is energetic, inspirational, and focused on using business as a force for social good.
🎯 Purpose of the Interview
The interview aims to:
1. Introduce Well With All
A wellness company offering supplements and energy drinks while funding health‑equity solutions.
2. Share Martin’s Personal Journey
From poverty, trauma, and instability → to White House, Harvard Business School, and a top hedge fund.
3. Promote His Book, Friends of the Good
A philosophy‑driven exploration of friendship, mentorship, and community.
4. Announce the $1 Million AI Prize
A major initiative to scale AI tools that close health‑equity gaps.
5. Encourage Health Awareness in Underserved Communities
Particularly around longevity, dietary choices, energy consumption, and supplement use.
🔑 Key Takeaways 1. Health Equity Drives the Mission
Martin emphasizes that health is a human right and disparities in nutrition, maternal health, and mental‑health access must be addressed.
2. Well With All = Social Impact + Consumer Products
The company donates 20% of profits and creates healthier alternatives (energy drinks, supplements) to replace harmful daily habits like sugary sodas.
3. Personal Story Fuels Commitment
He overcame poverty, a traumatic home life, and limited opportunity—and believes he survived because others poured into him.
4. Mentorship Changed His Life
Major turning points included:
Student body president at UNC Charlotte
Assistant to the White House Chief of Staff
HBS acceptance
Training under hedge‑fund leader Phil Gross
5. Expertise Matters
His success with Well With All is grounded in 21 years as an investor specializing only in consumer companies.
6. AI Can Close Health Gaps
The $1M Well With All Prize supports AI tools already impacting at least 1,000 lives with the potential to scale to 100,000+.
7. Black Longevity Documentary
His company created a film (NAACP Image Award–nominated) featuring Black elders aged 85–106 to redefine narratives around Black health.
8. The Power of Friendship
His book teaches readers how to identify “friends of the good,” the relationships that define one’s path and joy.
🗣️ Notable Quotes from Demond Martin (from the transcript)
(All quotes sourced from:)
On Health Equity
“Health is a human right. Everyone deserves nutritious food… everyone deserves to see a doctor.”
“Where With All is not just a brand—it's a movement.”
On His Upbringing
“I grew up in the projects… lived in a trailer… had a heroin addict as a stepfather. I’ve seen things that gave me perspective.”
On Perspective and Survival
“If this was me at 14… I’d be dead or in jail.”
On His Mission
“I need to start giving back today. I’ve lived a life of giving back—my parents and grandparents instilled that in me.”
On Product Philosophy
“Small, incremental choices add up. Replacing one sugary soda a day is 45,000 fewer calories a year.”
On Expertise
“All I did for 21 years is invest in consumer companies. That was my expertise.”
On Friendship & His Book
“Show me your friends, I’ll show you your future.”
“Friendship is one of the most essential elements of joy.”
On Confidence & Mastery
“Five years into my career, I knew I knew what the hell I was doing.”
On AI
“We’re not rewarding ideas—we’re rewarding impact.”
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rhonda Spratt.
Founder of Bella Duvet Goes Pink, a Georgia‑based breast cancer awareness nonprofit inspired by her mother’s battle with metastatic breast cancer. Rhonda explains how her mother’s passing drove her to build a year‑round awareness and support organization specifically focused on ensuring women stay vigilant outside of October. She discusses early detection, the emotional and physical realities of breast cancer, the creation of her “Pink Box” care packages, her personal journey of healing, and how she balances nonprofit work with a full‑time commercial real estate career and active lifestyle.
🎯 Purpose of the Interview
The interview aimed to:
1. Spotlight Bella Duvet Goes Pink
A nonprofit dedicated to breast cancer awareness, education, and providing care boxes to women undergoing treatment.
2. Emphasize the importance of year‑round breast cancer advocacy
Rhonda advocates that breast cancer isn’t an “October thing”—women are diagnosed every day, and early detection saves lives.
3. Share her personal story of loss, purpose, and healing
Her mother’s death from metastatic breast cancer inspired her to transform grief into action.
4. Educate listeners on early detection, mammograms, stages of breast cancer, and survivor needs
She clarifies differences between stages, importance of mammograms, and the emotional impact of mastectomies.
5. Encourage community involvement and proper nonprofit management
She discusses partnerships, consistency, the need for help, and how small nonprofits can sustain support.
💡 Key Takeaways
1. Early Detection Saves Lives
Rhonda stresses that breast cancer does not wait for October, and survival rates dramatically increase with early detection.
Monthly breast self‑exams
Annual mammograms
Awareness of breast cancer’s year‑round risk [
She mentions that early detection offers up to a 99% survival rate over five years.
2. Stages and Types of Breast Cancer Matter
She distinguishes between early‑stage breast cancer and metastatic breast cancer, which her mother had.
Stage 1 = high survival
Stage 4 (metastatic) = significantly reduced survival [
Her mother survived more than 10 years after the first diagnosis but did not keep up with mammograms the second time, leading to late detection. [
3. Personal Loss Became a Mission
Rhonda created her nonprofit to honor her mother and provide the support items they wish they had at the time:
Mastectomy bras
Moisturizing skin care
Aluminum‑free deodorant
Ginger tea for chemo nausea
Motivational items & journals [They have already supported 76 women nationwide.
4. The Pink Box: A Personal, Tailored Care Package
Each box is customized based on a woman’s treatment:
Bra size
Cancer stage
Whether they've had a mastectomy
Product needs
It takes 4–6 weeks to deliver and can be requested online.
5. The Emotional Impact of Breast Cancer is Deep and Often Hidden
Rhonda explains that losing breasts can feel like losing part of one's womanhood.
Women may struggle with:
Body image
Confidence
Relationship shifts
Emotional turmoil [
She confirms that the bra included in the Pink Box is one of the most essential and empowering items.
6. Running a Nonprofit is Real Work—Consistency & Partnership Are Key
She warns new founders:
Getting a 501(c)(3) is easy; running it isn’t.
You must ask for help and build partnerships.
Organizations that believe in the mission must be prioritized for long‑term sustainability.
7. Self‑Care Is Essential for Those Who Care for Others
She admits the emotional weight of supporting women fighting for their lives.
Her coping strategies:
Yoga 3–4 times/week
Walking and outdoor activities
Intentional personal time
8. Golf and Wellness Are Part of Rhonda’s Foundation
She learned golf during Covid and now uses it as a personal escape, a wellness practice, and a platform for outreach via golf clinics.
9. Real Awareness Requires Year‑Round Outreach
Rhonda actively participates in wellness expos, community events, corporate outreach, and social media messaging to keep breast cancer education going beyond October.
🗣 Notable Quotes (with citations) On early detection
“Consistency is what increases the survival rate of breast cancer.”
“The five‑year survival rate is 99% when detected early.” [On her mother’s cancer journey
“She survived over 10 years the first time… the second time, she didn’t schedule her mammogram.”
On why year‑round awareness matters
“Breast cancer doesn’t wait until October to be diagnosed. Women are diagnosed every day.”
On the emotional impact
“Losing your breasts is like losing a part of yourself… part of your womanhood.”
On creating the Pink Box
“These are things I wish we had had when my mom was going through her breast cancer.”
On healing through helping
“It is very healing… I get joy from helping other women as they go through their healing journey.”
On nonprofit management
“You have to ask for help… partnerships and sponsorships matter.”
On awareness fatigue
“People move on to the next holiday or event. Breast cancer has become desensitized.”
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Heather R. Younger.
CEO, workplace culture expert, author, and founder of a major employee engagement consultancy—joins Rushion McDonald to discuss leadership, employee empowerment, navigating fear, and self‑leadership in modern workplaces.
She shares her personal experiences with layoffs, career uncertainty, anxiety, and leadership failures—and how these experiences shaped her mission to be “the voice for the voiceless” in organizational culture. They explore the emotional realities of layoffs vs. terminations, how employees can take control of their professional well‑being, and Heather’s framework for identifying and overcoming fear.
PURPOSE OF THE INTERVIEW 1. To introduce Heather’s work and mission
She champions active listening, employee empowerment, and self‑leadership after personally reading 30,000+ employee surveys and leading 100+ focus groups.
2. To teach listeners how to navigate workplace uncertainty
She provides strategies for dealing with anxiety, job insecurity, change, and inconsistent leadership climates.
3. To share an empowering message about self‑leadership
Central idea: No one is coming to save you. You must lead yourself first.
4. To explore how fear holds people back professionally
She outlines how fear affects decision‑making, action-taking, and confidence.
KEY TAKEAWAYS 1. Why She Does This Work
She witnessed firsthand how mergers, layoffs, and poor communication harm employees.
After being laid off with 200+ others, she realized she needed to become the “voice of reason” who turns employee concerns into actionable insights for leaders.
2. Layoff vs. Termination — Emotional Differences
Layoffs: painful but less shame; not personal fault.
Termination: usually involves personal accountability, and often carries more shame.
Both create a feeling of powerlessness, but each requires emotional processing and reframing.
3. No One Is Coming To Save You
Employees must take responsibility for:
Their growth
Their mental health
Their career progression
Their emotional well‑being
HR cannot save you, Heather says—they play a dual role and cannot be personal rescuers.
4. Managing Workplace Anxiety
Key strategies include:
Nightly reflection → Write down what went well and what you controlled.
Reframing → Turning irrational fears into rational thoughts.
Breathing, sunlight, walking, self‑care → Especially for anxiety.
Intentional mindset‑switching → Choosing thoughts that serve you.
5. The Five Ways Fear Holds You Back Professionally
Heather identifies several fear patterns:
1. Fear of Feedback
Avoiding action because you’re afraid of what others may say.
2. Fear of Retribution / Getting in Trouble
Hesitating to take risks or initiative.
3. Fear of Speaking Up
Not challenging authority or expressing dissenting opinions due to lack of psychological safety.
4. Fear Rooted in Family / Cultural Conditioning
Inherited fear patterns from parents, grandparents, or trauma.
5. Fear of Regret / Non‑Action
She teaches a powerful question:
“What will I regret the longest—doing the thing or not doing the thing?”
This question accelerates decision‑making and breaks the paralysis of fear.
6. Take Ownership of Your Life — Self‑Leadership
Become the Chief Iterator of Your Life → Continue refining yourself like a living prototype.
Accept mistakes as part of growth.
Avoid perfectionism; aim for continuous improvement.
7. Practical Daily Habits
Prepare mentally each night.
Hydrate, sleep well, move your body.
Train yourself to take small positive actions daily.
NOTABLE QUOTES FROM THE INTERVIEW On Self‑Leadership
“Ain’t nobody coming to save me. And in the workplace, no one’s coming to save you.”
On Fear
“Feedback is a gift—even if it hurts.”
“We sit around waiting for green lights, access, invitations… It’s not coming. We need to seize it.”
“What is the thing you will regret the longest—doing it or not doing it?”
On Navigating Change
“You get to fight tooth and nail for your own mental space.”
On Personal Growth
“See yourself as a work in progress—a constant iteration.”
On Workplace Emotions
“With layoffs, you didn’t have a hand in it. With termination, there’s more shame.”
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Valerie Obaze.
Founder of R&R Skincare.
🎯 Purpose of the Interview
The interview aims to:
Highlight Valerie Obaze’s entrepreneurial journey in founding R&R Skincare.
Challenge stereotypes about Africa’s capabilities and resources.
Promote African-made beauty products and their global relevance.
Inspire others, especially women and diaspora Africans, to invest in and build businesses rooted in African heritage.
🧠 Key Takeaways 1. Breaking African Stereotypes
Valerie and Rushion discuss how Africa is often misrepresented in Western media.
Valerie emphasizes that ignorance is not always malicious, but it’s time to reframe the narrative through firsthand experience and platforms like social media.
“Ignorance doesn’t always have to be an insult. If you don’t know, you just don’t know better.” – Valerie Obaze
2. The Birth of R&R Skincare
Inspired by the birth of her daughter, Valerie sought natural skincare solutions.
She discovered liquid shea oil, which became her first product.
The brand name “R&R” stands for Rebecca Rose (her daughter’s name) and also Rest & Relaxation.
“I wanted to create a product that makes using these raw materials from the continent enjoyable.” – Valerie Obaze
3. From Garage to Global
Valerie started in her mother-in-law’s garage, turning it into a compliant mini factory.
She had no formal business plan, relying on her PR and branding background.
The brand now has three stores: one in Lagos and two in Accra, including one at the airport.
4. Authenticity and African Pride
Valerie insists on maintaining the African identity of her brand.
She uses locally sourced ingredients and ensures cruelty-free testing.
The brand supports women in the supply chain, creating economic opportunities.
“We don’t intend to hide that in any way. We just wanted to make raw materials sexy.” – Valerie Obaze
5. Expansion to the U.S.
Valerie is expanding R&R Skincare to the U.S., leveraging social media, activations, and PR expertise.
Products are manufactured in Africa, but distributed from U.S. warehouses to ensure timely delivery.
“We found our tribe over here… and this was the right time to come back to America.” – Valerie Obaze
🧴 Product Highlights
Shea Oil – First product, moisturizing and healing.
Body Butter – Whipped, light, and rich in essential oils.
Liquid Black Soap – Modern take on traditional African cleansing.
Hand Cream – Convenient and portable for dry conditions.
🌍 Big Picture Vision
Valerie’s goal is to grow an African brand globally, showcasing the richness of African resources and empowering local economies.
“This is just a small representative of the entire continent and what it is capable of.” – Valerie Obaze
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.