The Steve Harvey Morning Show

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning!
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Joxavier Jackson.
A financial advisor with over 15 years of experience across major institutions such as Wells Fargo, Chase, and Bank of America. She discusses her evolution from a teenage bank teller to an independent financial planner at The Piedmont Group in Atlanta, where she provides holistic, comprehensive wealth management—especially for clients who traditionally lack access to financial literacy.
Joe shares her personal journey, the gaps she observed in financial education—especially in working‑class families and communities of color—and why she aims to provide accessible, relationship‑based financial planning. She breaks down the fundamentals of long‑term wealth: insurance, asset allocation, retirement accounts, tax strategies, fraud prevention, and planning for individuals and business owners.
The discussion highlights the importance of financial confidence, the significance of meeting people where they are, and the need to increase participation of Black and Brown individuals in wealth‑building spaces.

🎯 Purpose of the Interview
Introduce Dr. Joe Jackson’s financial journey
From humble beginnings to leadership positions in banking and finally to founding her own firm.

Explain comprehensive financial planning
She contrasts big‑bank limitations with her holistic approach that includes insurance, investments, retirement, and legacy planning.

Educate listeners on wealth‑building fundamentals
Insurance, retirement vehicles, asset allocation, compounding, fraud prevention, and business planning.

Highlight financial literacy gaps in underserved communities
She encourages access, representation, and inclusion for people of color in financial spaces.

Empower people to build confidence with money
Joe stresses that understanding your numbers gives you a competitive advantage in life.

🔑 Key Takeaways 1. Wealth Requires Strategy, Not Accident
Joe explains that wealth is built through planning, long‑term strategy, and educated decisions—not by chance.
2. Insurance Is a Wealth‑Building Tool
Beyond death benefit, insurance can:
Support retirement income
Provide tax sheltering
Protect against market downturns
She differentiates between term (“rental insurance”) and whole life (“tool you use living and after death”).
3. High Income ≠ Financial Security
Without budgeting, allocation, and strategy, income is quickly lost.
4. Fraud Awareness Is Essential
Joe urges clients to verify communications directly with institutions and avoid clicking suspicious links. 5. Tailored Advice by Age Group
For people in their 20s:
Compounding interest
Rule of 72
Dollar cost averaging
For older clients:
Catch‑up contributions
Consolidating old 401(k)s
6. Business Owners Need Dual Financial Plans
Joe emphasizes separate strategies for:
Business planning
Personal financial planning
Especially for tax savings, succession, and legacy building.
7. Representation Matters in Financial Literacy
She highlights the need for more visibility, education, and access for Black and Brown communities.
8. Asset Allocation Depends on Risk Tolerance
Younger clients = more aggressive
Risk‑averse clients = more conservative, bond‑heavy portfolios
9. Dollar Cost Averaging Builds Wealth
Consistent, automated investing—regardless of market conditions—drives compounding.
🗣️ Notable Quotes (Direct From Transcript) On Wealth Building
“Wealth isn’t built by accident… you have to have a plan.”
On Big Banks vs. Her Firm
“If you don’t have at least $250,000, you weren’t considered a worthy client—so far from the truth.”
On Community Access
“People that look like me—we need this education.”
On Term vs. Whole Life Insurance
“Term is renting. Whole life is a tool you use when you're alive and when you die.”
On Financial Confidence
“Financial confidence is a competitive advantage.”
On Helping Older Clients
“We start right where you are.”
On Increasing Black Participation in Finance
“I don’t look at your dollar amount. I have information that will make a difference in your life… you need to hear it.”
On Her Personal Journey
“My family came from humble beginnings… but a manager encouraged me to sit for my licensing. I passed everything on the first try.”

#SHMS #BEST #STRAW
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning!
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Robyn Donaldson.
Entrepreneur, Mentor, and Founder of Renew Construction Services & STEM Exposure
🔑 Episode Highlights 🔄 From Incarceration to Inspiration
Robyn shares her journey from a strict religious upbringing to incarceration due to drug-related activities.
Served 5 years in prison, where she earned two associate degrees and developed a passion for learning and leadership.
🧹 Building a Business from the Ground Up
Learned high-level cleaning skills in prison and at Hilton during work release.
Founded Renew Construction Services, which grew from cleaning trailers to major contracts like: Tampa Convention Center
NFL Super Bowl & Kickoff
City of Tampa, Moffitt Cancer Center, USF

🏗️ Strategic Growth & Collaboration
Became a Home Depot distributor.
Uses collaboration to uplift smaller contractors and scale projects.
Emphasizes relationship-building and proactive planning over reactive bidding.
👩🏽‍🔬 STEM Exposure Nonprofit
Founded STEM Exposure to introduce Black girls to underrepresented STEM careers.
Offers local and global architecture and construction camps.
Operates in 10 countries and 4 time zones with a focus on AI, engineering, and design.
🏆 Recognition & Legacy
Honored with the President’s Lifetime Achievement Award.
Embraces her past as part of her story, using it to inspire others.
Celebrates milestones like putting bills on autopay as symbols of stability and peace.
🌐 Websites
STEM Exposure: stemxposure.org (drop the “e” in “exposure”)
Renew Construction Services: renewconstructionservices.com

#SHMS #BEST #STRAW
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning!
Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Crystal Victoria.
🎯 Purpose of the Interview
The interview aims to:
Showcase Crystal Victoria’s work in youth entrepreneurship through her nonprofit Target Evolution, Inc.
Promote the Teen Biz Box, a hands-on business starter kit for kids.
Inspire parents, educators, and community leaders to support alternative career paths for youth.
Share Crystal’s personal journey from juvenile detention to becoming an author and entrepreneur.
🔑 Key Takeaways 1. Empowering Youth Through Entrepreneurship
Target Evolution trains youth ages 8 to 18 to earn money and gain real-world experience.
Programs include retail and culinary entrepreneurship, with plans to expand nationally starting in Dallas and Houston.
2. Teen Biz Box: A Practical Solution
A $100 kit that includes everything a child needs to start a small business.
Three product options: Friendship Bracelets, Craft Notebooks, and Ceramic Coasters.
Kids can earn up to \$150–\$200 per box by selling customized products.
3. Alternative Pathways Matter
Not all kids are tech-focused or college-bound.
Entrepreneurship teaches soft skills like communication, customer service, and resilience.
Victoria emphasizes the importance of in-person interaction over purely digital business models.
4. Personal Story of Redemption
Crystal shares her background of being in and out of juvenile detention.
Entrepreneurship gave her purpose and a way out of street life.
Her journey is a testament to the power of second chances and vision-driven leadership.
5. Preparing for the Future of Work
With AI and automation changing job markets, reskilling and adaptability are key.
Entrepreneurship offers a mindset shift that prepares youth for career transitions every 3–5 years.
🗣️ Notable Quotes
On youth entrepreneurship:
“An app will never replace food and eating. We need programs for culinary and hospitality entrepreneurs.”

On her personal journey:
“I didn’t have a Teen Biz Box. I had trouble. But I prayed to God: ‘Give me something to do with this story.’”

On accessibility:
“Some kids don’t have bootstraps to pull themselves up. Let’s slide down the ladder and help them climb.”

On the Teen Biz Box:
“Before you spend $1,000 on your kid’s business idea, give them a box. If they sell everything, maybe they’re serious.”

On preparing for the future:
“Long gone are the days of one career for life. Learning, unlearning, and reskilling is the new normal.”

📦 Teen Biz Box Highlights
Contents: Product inventory, art supplies, business cards, signage, and educational materials
Website: TeenBizBox.com
Target Age: 8–18
Goal: Teach entrepreneurship, communication, and self-reliance
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning!
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Stacey Gholar.
🔹 Summary of the Interview
Stacey Gholar, founder of Bloom Creative Agency, shares her journey from being a young mother in Chicago to becoming a brand strategist and creative entrepreneur with over 20 years of experience in marketing, media, and business. She emphasizes the importance of aligning personal identity with brand strategy, especially in the digital age. Stacey discusses her approach to brand audits, the role of social media, the impact of AI, and her passion for empowering women through entrepreneurship and skincare.
🔹 Key Takeaways 1. What Is a Brand Strategist?
A brand strategist helps individuals and businesses define and articulate their brand clearly.
“You are the brand, but you have to put the brand together in a way that people can articulate what you do.”
2. Social Media Strategy
Stacey conducts social media audits to ensure alignment between personal and business branding.
She recommends having separate personal and business accounts, but acknowledges blending them when appropriate.
3. Discovery Process
Her process starts with a discovery call to understand the client’s “why” and goals.
She believes passion must drive entrepreneurship—not just money.
4. Digital Branding & AI
Stacey identifies as a digital brand specialist, helping Gen X women and others pivot into digital spaces.
She uses AI tools like ChatGPT and Google Gemini to enhance productivity but values human connection.
“AI is an asset… but I don’t solely rely on it.”
5. Email Marketing
Email is still vital: “If you're solely on social media, you can lose your business in a minute.”
She advocates for funnel systems and community building outside of social platforms.
6. Going Viral vs. Being Valuable
“You don’t need to go viral. You just need to be valuable.”
She went viral unintentionally with a review of Harold’s Chicken, but stresses the importance of sustainable value over fleeting attention.
7. Brand Refresh & Outreach
Most of her clients come through word of mouth, but she’s expanding her reach via social media.
She encourages clients to step out of their comfort zones and engage in community-driven initiatives.
8. Skincare Line
Stacey founded Skin Light Skincare at age 50 to promote pro-aging and natural beauty.
She now focuses on organic body oils that are clean, hydrating, and hormone-safe.
🔹 Notable Quotes
“Experience has been the best teacher for me.”
“You don’t need to go viral. You just need to be valuable.”
“If you stop learning, you stop growing.”
“I want you to be a part of building your brand—not just me doing it for you.”
“Social media is great, but word of mouth is still real.”
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning!
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas.
Purpose of the Interview
The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations.
Key Takeaways
Financial Planning is Foundational
A written financial plan is the first step before any investment portfolio is built.
Success is defined individually—financial, health, or lifestyle goals.

Diversification & Risk Management
Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance.
Fear and greed drive markets; advisors help clients maintain discipline.

Long-Term Care & Insurance
Planning for long-term care is essential, typically starting in your 50s.
Term life insurance early locks in health; whole life policies provide stability and living benefits.

Tax Strategy
Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens.
Estate planning focuses on transferring wealth tax-efficiently to future generations.

Millionaire Mindset
Millionaires are clear, disciplined, optimistic, and collaborative.
74% of millionaires work with financial advisors vs. 34% of the general population.

Power of Compounding
Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline.
Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers.

Fiduciary Responsibility
Advisors act in the client’s best interest; success is mutual.
Trust and transparency are critical in client-advisor relationships.

Notable Quotes
On Risk & Bitcoin:
“You could potentially double your money, but you could also potentially lose 70% of it.”

On Financial Planning:
“Every dollar needs a job description.”

On Millionaire Mindset:
“Successful people view us as CFOs—they’re the CEOs.”

On Compounding:
“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.”

On Retirement Success:
“Living the same or better lifestyle in retirement than you do today while working.”

On Fiduciary Role:
“We make more money when the client makes more money.”

#SHMS #BEST #STRAW
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.