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 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.
🔑 Key Themes and Takeaways: 💼 About Dr. Leketa Hawkins
Founder of PocketbookStrategies.com, which offers financial literacy programs, tools, and resources.
Also runs Hawdleigh.com, a platform for financial education courses and templates.
Her mission is to provide low-cost or no-cost financial education to underserved communities.
💡 Financial Literacy & Upbringing
Like many, Leketa grew up in a household where money was not discussed—a common cultural norm that left many unprepared for adult financial responsibilities.
She emphasizes the importance of breaking generational cycles by involving children in financial conversations early.
🧠 Emotional Spending
One of the most common financial pitfalls she sees is emotional spending—buying things to cope with stress, boredom, or celebration.
She recommends tracking spending for one week to identify patterns and triggers.
Online shopping makes emotional spending easier and more dangerous due to its convenience.
📊 Budgeting Strategies
Advocates for the 50/30/20 rule: 50% for needs
30% for wants
20% for savings or debt

Encourages people to “name your money before you spend it”—assign every dollar a purpose.
👧🏾 Youth Financial Literacy
Stresses the importance of teaching kids that money is a tool, not a goal.
Encourages parents to: Let kids ask financial questions.
Teach saving from every dollar earned.
Explain compound interest and the value of investing.

👩🏽‍💼 Empowering Women Financially
Many women feel overwhelmed or disempowered financially.
Dr. Hawkins encourages women to take small steps toward financial clarity and view financial wellness as a form of self-love.
💬 Final Lessons
“Money doesn’t change who you are—it amplifies who you are.”
Understanding the difference between assets and liabilities is foundational: Assets put money in your pocket.
Liabilities take money out.

#SHMS #STRAW #BEST

Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success.
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Executive leadership training
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Success mindset podcast
Support the show: https://www.steveharveyfm.com/
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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 Amber C. Saunders.
An estate planning attorney and founder of The Saunders Firm, about generational wealth, estate planning, and financial literacy in the Black community.
🔑 Key Themes & Highlights
The Importance of Estate Planning
Saunders emphasized that estate planning isn’t just for the wealthy—it’s for anyone who owns assets, including homes, jewelry, and even bank accounts.
She shared how her family’s experience with probate court inspired her to educate others on avoiding financial hardships.
Generational Wealth & Legacy
Many Black families lose wealth due to lack of estate planning, leading to long legal battles and financial instability.
Saunders stressed that generational wealth isn’t just about money—it’s about education, financial literacy, and structured wealth transfer.
Common Misconceptions About Estate Planning
Many people believe wills and trusts are only for the rich, but anyone with assets should have a plan.
She debunked myths about DIY estate planning, warning that generic online templates can lead to legal complications.
Protecting Small Businesses & Entrepreneurs
Entrepreneurs must plan for succession, ensuring their businesses can survive beyond their leadership.
She advised business owners to structure their companies properly, so they don’t just create a job for themselves but build a lasting enterprise.
📘 About Amber C. Saunders
Amber C. Saunders is a leading estate planning attorney, dedicated to helping families secure their financial futures. She founded The Saunders Firm, specializing in wealth preservation, estate planning, and business succession strategies.

#BEST
#STRAW
#SHMS

Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success.
Business Podcast
Entrepreneurship
Small Business
Business Growth
Financial Literacy
Wealth Building
Black Entrepreneurs
Minority Business
Leadership
Executive Leadership
Business Funding
Marketing Strategies
Personal Development
Startup Advice
Sales Training
CEO Interviews
Founder Stories
Professional Development
Economic Empowerment
Business Success
Networking
Brand Building
Innovation
How to start a business
Small business funding
Entrepreneur success stories
Business leadership podcast
Wealth building strategies
Black entrepreneur podcast
Minority business development
Marketing for small businesses
Business growth strategies
Startup funding opportunities
Executive leadership training
Financial literacy education
Success mindset podcast
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 Zach Shefska.
Co-founder of CarEdge, a consumer-focused automotive platform he launched with his father in 2019. CarEdge was created to bring greater transparency, fairness, and efficiency to the car-buying experience through pricing data, negotiation tools, consumer education, and AI-powered resources.
The conversation explores the current automotive market, rising vehicle prices, strategies for buying and selling cars, the role of AI in negotiations, and practical advice for consumers seeking to avoid costly mistakes.
Purpose of the Interview 1. Educate Consumers About Car Buying
Zach's primary objective was to help consumers become smarter car buyers by understanding vehicle pricing, trade-ins, inspections, warranties, financing, and negotiation tactics.
2. Promote Transparency in the Automotive Industry
CarEdge was founded to level the playing field between dealerships and consumers by providing tools and information that reduce confusion and increase buyer confidence.
3. Showcase the Power of AI and Technology
Zach discussed how AI is being used to assist consumers with vehicle negotiations and purchasing decisions, making the process more accessible and less intimidating.
4. Share an Entrepreneurial Success Story
The interview highlights how Zach and his father transformed a simple YouTube channel into a nationally recognized platform that helps hundreds of thousands of consumers each year.
Key Takeaways 1. Car Prices Have Reached Historic Levels
One of the most eye-opening parts of the discussion was Zach's explanation of today's automotive market.
Average new vehicle prices exceed $50,000.
Average used vehicle prices exceed $28,000.
Affordable entry-level vehicle options have become increasingly rare.
Lesson: Consumers need to carefully budget and research before making a vehicle purchase.
2. Never Skip a Pre-Purchase Inspection
Zach repeatedly emphasized that a pre-purchase inspection is the most important step when buying a used vehicle.
An independent mechanic can uncover issues that may not appear on vehicle history reports.
Lesson: Spending a small amount upfront on an inspection can prevent major repair expenses later.
3. Do Most of Your Homework Before Going to a Dealership
Today's buyers can complete much of the purchasing process online.
Consumers should:
Research prices
Compare vehicles
Review financing options
Understand ownership costs
The dealership visit should mainly be for the test drive and final inspection.
Lesson: Preparation creates leverage and confidence.
4. Think Beyond the Monthly Payment
Many consumers focus only on monthly payments when evaluating vehicles.
Zach recommends considering:
Depreciation
Insurance
Fuel expenses
Maintenance
Repairs
Financing costs
Lesson: The true cost of ownership extends far beyond the monthly note.
5. Extended Warranties Can Be Negotiated
Many consumers assume warranty packages and protection plans are fixed-price products.
Zach explains that buyers should:
Ask for the total cost
Understand what is covered
Negotiate the price if interested
Lesson: Everything in the finance office is part of the negotiation process.
6. Separate Trade-Ins from Vehicle Purchases
A major strategy discussed was treating a trade-in as a separate transaction.
Before visiting a dealership:
Obtain offers from CarMax
Obtain offers from Carvana
Use those offers as leverage
Lesson: Negotiating the purchase and trade separately helps maximize value.
7. Reliability Matters More Than Ever
When discussing dependable vehicle brands, Zach highlighted:
Toyota
Honda
Mazda
He noted that reliability should be a major factor in purchasing decisions because maintenance and repair costs significantly impact long-term ownership expenses.
Lesson: A lower-maintenance vehicle often provides better long-term value.
8. Driving Cars Longer Is a Smart Financial Strategy
Rather than frequently upgrading, Zach recommends keeping vehicles longer and extracting maximum value from them.
Lesson: Reducing depreciation is one of the easiest ways to save money over time.
Notable Quotes On Entrepreneurship
"Being an entrepreneur is scary. Putting your name associated with something, there's a lot of responsibility associated with that."
On Car Shopping
"Do your wants versus needs analysis."
On Used-Car Purchases
"Get a pre-purchase inspection."
On Ownership Costs
"The cost of a car is not just your monthly payment."
On Extended Warranties
"Ask them what the actual price is of the coverage."
On Trade-Ins
"Treat buying a car and selling a car as two separate transactions."
On Affordability
"Don't be spending more than 20% of your gross take-home income on your car."
On Long-Term Ownership
"Drive your car into the ground."
On Reliability
"Toyota, Honda, Mazda."
The CarEdge Value Proposition
CarEdge is built around four core principles:
Transparency
Providing real-time pricing insights and market data.
Consumer Empowerment
Giving buyers the information and negotiating tools needed to make informed decisions.
AI-Powered Assistance
Using technology to simplify vehicle buying and negotiation.
Consumer Education
Helping people avoid common mistakes that cost buyers time and money.
Overall Assessment
This interview serves as both a practical consumer guide and an entrepreneurial case study. Zach Shefska explains how CarEdge is helping consumers navigate an increasingly expensive and complex automotive marketplace while using technology to make the car-buying process more transparent.
The central message is simple: informed buyers make better decisions. Whether purchasing a new vehicle, shopping for a used car, negotiating a warranty, or evaluating a trade-in, success comes from research, preparation, and understanding the full cost of ownership before signing on the dotted line.
#SHMS #STRAW #BEST
Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success.
Business Podcast
Entrepreneurship
Small Business
Business Growth
Financial Literacy
Wealth Building
Black Entrepreneurs
Minority Business
Leadership
Executive Leadership
Business Funding
Marketing Strategies
Personal Development
Startup Advice
Sales Training
CEO Interviews
Founder Stories
Professional Development
Economic Empowerment
Business Success
Networking
Brand Building
Innovation
How to start a business
Small business funding
Entrepreneur success stories
Business leadership podcast
Wealth building strategies
Black entrepreneur podcast
Minority business development
Marketing for small businesses
Business growth strategies
Startup funding opportunities
Executive leadership training
Financial literacy education
Success mindset podcast
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Tuesday August 25th, 2026: Steve Harvey's Morning Inspiration | Show Open - Cast Intros | Nephew Tommy's Run That Prank Back - "Yo Son & My Daughter" | Ask The CLO | Trending & Entertainment News | Midterm Elections | Random Questions | Nephew Tommy's Prank - "6 To 10" | Strawberry Letter - "He Moved On Quickly & Easily" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Food Safety: Blueberries | Would You Rather | Steve Harvey's Closing Remarks
Support the show: https://www.steveharveyfm.com/
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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 Teri Williams.
Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:
🔑 Key Themes & Takeaways 1. OneUnited Bank’s Mission & Reach
Formed by merging four Black-owned banks in Boston, Miami, and Los Angeles.
First Black-owned digital bank (since 2005).
Serves customers in all 50 states.
Offers accessible, affordable financial services and promotes financial literacy.
2. Digital Banking for Underserved Communities
OneUnited provides: Mobile check deposit (via smartphone).
Early direct deposit (get paid 2 days early).
Access to 100,000+ surcharge-free ATMs (including Walgreens, 7-Eleven, Chase, Citibank).

Designed to combat financial deserts and predatory check-cashing services in Black communities.
3. Financial Literacy & Trust
Teri emphasizes the need for Black communities to trust Black-owned institutions.
OneUnited is FDIC-insured and uses cutting-edge technology, including AI.
Financial literacy is key to building generational wealth.
4. WiseOne AI Tool
An AI-powered financial assistant that: Tracks spending and subscriptions.
Offers insights on saving and debt reduction.
Aggregates data from multiple accounts to show net worth, cash flow, and financial health.

5. Youth Financial Literacy – “I Got Bank” Contest
15th annual contest for kids ages 8–12.
Participants submit an essay or artwork based on a financial literacy book.
Ten winners receive $1,000 savings accounts.
Book: I Got Bank by Teri Williams (available free at oneunited.com/book).
6. OneTransaction Concept
Focuses on six key financial transactions to build generational wealth: Homeownership
Life Insurance
Investments
Profitable Business
Credit Score
Savings

Encourages individuals to focus on just one to start their wealth-building journey.
Learn more: oneunited.com/onetransaction
💬 Notable Quotes
“We are a real bank, not a fintech. We are FDIC-insured.”
“We are great with money. We just haven’t always had access.”
“Focus on one transaction. That’s all it takes to start building generational wealth.”
#SHMS #STRAW #BEST
Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success.
Business Podcast
Entrepreneurship
Small Business
Business Growth
Financial Literacy
Wealth Building
Black Entrepreneurs
Minority Business
Leadership
Executive Leadership
Business Funding
Marketing Strategies
Personal Development
Startup Advice
Sales Training
CEO Interviews
Founder Stories
Professional Development
Economic Empowerment
Business Success
Networking
Brand Building
Innovation
How to start a business
Small business funding
Entrepreneur success stories
Business leadership podcast
Wealth building strategies
Black entrepreneur podcast
Minority business development
Marketing for small businesses
Business growth strategies
Startup funding opportunities
Executive leadership training
Financial literacy education
Success mindset podcast
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.