The Steve Harvey Morning Show

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Pastor Dexter Jenkins. Purpose of the Interview The interview aimed to educate and inspire listeners about wealth creation through real estate and financial literacy, particularly for individuals over 50. Pastor Jenkins shared strategies for building generational wealth, shifting mindsets about money, and leveraging real estate as a primary tool for financial independence. Key Takeaways Intersection of Faith, Finance, and BusinessPastor Jenkins emphasizes that faith and financial success are not mutually exclusive. He advocates using biblical principles as a success manual, especially from Proverbs. Real Estate as “Low-Hanging Fruit” for WealthReal estate is one of the simplest and most effective ways to build wealth because land is finite and historically valuable. Mindset Over MoneyWealth building starts with changing beliefs about money. Many misconceptions learned in childhood or church need to be unlearned. Refire, Don’t RetireFor those over 50, Jenkins encourages leveraging life experience to create new income streams instead of slowing down. Social Security Reality CheckThe average Social Security check (~$1,400/month) is insufficient for most Americans, highlighting the need for personal wealth strategies. The SHIP Method Stewardship: Direct your money intentionally. Ownership: Own assets that appreciate and generate cash flow. Entrepreneurship: Consider business ownership as a wealth-building tool. Education Before ActionStart with learning—books, podcasts, seminars—before diving into real estate or other ventures. Community Wealth BuildingJenkins supports initiatives like “buying back the block” to revitalize neighborhoods and build collective wealth. Secrets to SuccessDesire, planning, education, and execution are essential. Dreams without plans remain dreams. Upcoming ResourcesJenkins is releasing a book: The Real Estate Wealth Creation Blueprint, offering practical steps for using real estate to build wealth. Notable Quotes “Real estate is the lowest hanging fruit on the wealth creation tree.” “People came here to work the land—now it’s time for us to own it.” “It’s not time to retire; it’s time to refire.” “Social Security was designed for a different era. You can’t live on $1,400 a month in America.” “The Bible is more than religion—it’s a success manual.” “If you don’t have a desire for wealth, we can talk all day and nothing will change.” “Stewardship, Ownership, Entrepreneurship—those are the pillars of wealth.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Dr. Christina Dukes Brown. CEO of the Boys & Girls Club of Paterson and Passaic, NJ Purpose of the Interview The interview aimed to: Raise awareness about the Boys & Girls Club’s impact on underserved communities in Paterson and Passaic, NJ. Issue a call to action for volunteers, mentors, corporations, and donors to support youth programs. Highlight challenges faced by marginalized communities and how the Club addresses them through education, nutrition, and character-building programs. Key Takeaways Community Impact The Club serves 1,400 children and teens daily across two main clubhouses and 11 satellite sites. Programs include academic support, tutoring, arts, athletics, and life skills development. Challenges in the Community High rates of homelessness, food deserts, and low literacy and math proficiency (only ~20% literate and ~15% proficient in math in Paterson). Stereotypes and “deficit ideology” that assume poor or minority youth lack capacity for success. Programs and Initiatives Academic Support: Homework help, tutoring, and Saturday sessions. Creative Outlets: Dance, musicals, and arts. Sports & Aquatics: Swimming program praised for breaking stereotypes. Young Adult Support (18–24): Internships, skill-building, and career readiness for those not pursuing college. Call to Action Volunteers and mentors needed to inspire youth. Corporations and entrepreneurs encouraged to provide internships and teach business skills. Donations critical—$4M annual fundraising goal to sustain programs. Dr. Brown’s Motivation Rooted in her upbringing in Jersey City during the crack era. Believes in being part of the solution, not just complaining about systemic issues. Emphasizes building “efficacious spirits” and affirming unique skills in youth. Notable Quotes On Motivation:“I can’t complain about the position of Black and Brown people in society if I’m not going to do the work necessary to support its elevation.” On Stereotypes:“Deficit ideology assumes that if you are poor or minority, you do not have the capacity to be successful. We fight that every day.” On Community Support:“My community got me where I am today… I’m calling on the village to support what we’re trying to do.” On Youth Potential:“No matter where you come from, and no matter what you look like, you have the capacity to become great.” #SHMS #STRAW #BESTSupport 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 Kevin Cohee. Purpose of the Interview The interview aimed to: Highlight OneUnited Bank’s mission as the largest Black-owned and first Black-owned internet bank in America. Educate listeners on financial literacy, technology-driven banking, and economic empowerment in underserved communities. Promote OneUnited Bank’s products and services as solutions for financial challenges faced by Black Americans and others lacking access to traditional banking. Key Takeaways Historical Context & Mission The concept of a national Black-owned bank dates back to leaders like Booker T. Washington, W.E.B. Du Bois, and Martin Luther King Jr., who emphasized economic empowerment. OneUnited Bank was formed through acquisitions and later pivoted to technology-driven banking. Technology & Innovation OneUnited embraced AI and data aggregation over a decade ago to create products that help customers understand assets, liabilities, and net worth in real time. Banking has shifted from physical branches to digital platforms, enabling nationwide access. Financial Literacy Crisis 90% of Americans lack financial literacy, largely because it’s not taught in schools. Cohee advocates for mandatory K–12 financial literacy education, citing studies showing it can add $126,000 to lifetime net worth. Products Designed for Real Needs CashPlease: Short-term emergency loans at affordable rates. Second Chance Checking: Helps rebuild credit. Savings Programs: Often in collaboration with employers. These products address real-life challenges like low emergency savings and predatory check-cashing fees. Accessibility & Reach OneUnited offers nationwide banking via oneunited.com, surcharge-free ATMs, and partnerships with major networks. Customers can deposit checks online and access services without visiting physical branches. Economic Empowerment Technology enables entrepreneurship without owning physical products—leveraging branding and e-commerce. Cohee draws parallels between today’s tech opportunities and the historical wealth-building of Black Wall Street. Notable Quotes “We are FDIC insured, commercial bank like them. The only difference is we’re smarter and we have better technology.” “Technology and AI allow anyone to make decisions like they were an expert.” “If we taught financial literacy in schools, it would create over $100,000 in net worth per person over their lifetime.” “You don’t have to go to check cashers and get ripped off. Just go to oneunited.com.” “We’ve been working on AI for over a decade. We’re not coming to the party—we are the party.” “Our generation has technology and communication skills. We can change society.” #SHMS #STRAW #BESTSupport 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 Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSupport 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 Cheryl McKissack Daniel. Topic: Legacy, resilience, and entrepreneurship of the McKissack family, as detailed in the book The Black Family Who Built America. Cheryl shares the powerful story of her family's 230-year legacy in architecture and construction, making McKissack & McKissack the oldest minority woman-owned professional design and construction firm in the U.S. The conversation explores themes of generational resilience, Black excellence, business strategy, and personal growth. 🎯 Purpose of the Interview Highlight the McKissack family’s historical and cultural impact on American infrastructure and Black entrepreneurship. Promote the book The Black Family Who Built America as a record of legacy and inspiration. Inspire small business owners and entrepreneurs with lessons on perseverance, succession planning, and self-identity. Address the importance of preserving Black history in the face of cultural erasure. 🔑 Key Takeaways 🏗️ Legacy & Impact McKissack & McKissack has contributed to major U.S. infrastructure projects like: Barclays Center JFK Terminal One LaGuardia Airport Penn Station Lincoln Financial Field “We are the fifth generation. Right. And we're Black in America.” 📚 Historical Significance The family legacy began with Moses McKissack, who was enslaved and later became a builder. Cheryl’s ancestors were the first licensed Black architects in America (licenses 117 and 118 in Tennessee). “They became the first Black licensed architects in America… and helped get licensed in 22 other states.” 💼 Business Wisdom Cheryl emphasizes the importance of: Succession planning Understanding both technical and political buyers Building relationships before you need them “You better have that relationship before you need it.” 🧠 The 5 Ps of Family Resilience Perseverance Persistence Preparedness Purpose Prayer “Sometimes you do get up in the morning and you say it's not for me… You have to come back and meditate on the fact that you're a winner.” 🧘‍♀️ Personal Growth & Mental Health Cheryl discusses overcoming stress, rediscovering herself after a difficult marriage, and the importance of meditation. “Being yourself is what we're talking about… I recognize that I am currently feeling stressed out. So what do I need to do?” 👩‍👧‍👧 Women in Leadership Cheryl’s mother took over the business after her father’s stroke, despite societal barriers. “She only knew the telephone number to the office at that time… but she knew deep inside that she wanted to hold on for the fifth generation.” 🎥 Representation & Media The book and Cheryl’s story aim to counteract negative portrayals of Black people in media and history. “You may not have known about Black excellence. You just ignored it. But we exist.” 💬 Memorable Quotes “Black people built America. Now, that's the point we're making here.” “You have to say the opposite to yourself. And you have to put one foot in front of the other.” “This book is a receipt to say we are around. We have a foundation. We're not going anywhere.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.