The Steve Harvey Morning Show

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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kimberly Kelly.
Titles: Real Estate Broker, Brokerage Owner, Entrepreneur
Host: Rushion McDonald
Podcast: Money Making Conversations Masterclass
Kimberly Kelly shares a deeply personal story of survival, resilience, and self-determination, tracing her journey from foster care and teen motherhood to becoming a real estate brokerage owner and business leader. The conversation highlights how mindset, faith, adaptability, and education can transform adversity into long-term success.
Purpose of the Interview
The interview is designed to:
Show what success really looks like, including the hardship behind it.
Inspire people facing extreme adversity—especially those from foster care, single-parent households, or teen parents.
Demonstrate nontraditional paths to success, beyond college-to-career pipelines.
Highlight entrepreneurship as a tool for control and stability, not perfection.
Encourage persistence, faith, and adaptability in business and life.
Key Themes & Takeaways 1. Resilience Formed Through Early Adversity
Kimberly was placed in foster care at a young age due to her mother’s substance abuse.
She helped raise her two younger brothers and fought to keep them together in foster care.
She became a teen mother at 15, and by 18 had two children while still caring for her siblings.
Takeaway: Responsibility and leadership can develop long before opportunity appears.
2. Faith, Positivity, and Survival Mode
Kimberly credits her positive mindset and faith—learned during foster care—as foundational.
Prayer and belief helped her endure instability, separation, and lack of support.
Survival mode gave her clarity: failure was not an option.
Key insight: Faith doesn’t remove hardship—but it provides grounding when control is limited.
3. Education as a Turning Point, Not a Straight Line
She returned to complete her high school diploma as a young mother.
She took advantage of teen workshops, government programs, and training opportunities.
Kimberly earned a technical degree in electronics engineering, entering the IT world before later pivoting.
Takeaway: Education can be layered, nonlinear, and still powerful.
4. Choosing Entrepreneurship and Real Estate
Kimberly entered real estate with a mission to educate and empower first-time homebuyers, especially those from backgrounds like hers.
She later became a licensed real estate broker and opened her own brokerage.
She currently leads a small, relationship‑driven brokerage with six agents.
Core belief: Ownership creates options—and leadership multiplies impact.
5. A Relationship-Based Business Model
Her brokerage focuses on: One-on-one agent training
Hands-on mentorship
Personalized marketing strategies

Kimberly intentionally avoids a corporate-style model to prioritize growth, trust, and accountability.
Key takeaway: Culture and connection matter more than size, especially early on.
6. Adaptability as a Business Strategy
During market changes (including COVID), Kimberly expanded into: Property preservation
Repair, inspections, and asset management services

She co-owns multiple businesses with her husband, spreading risk and stabilizing income.
Lesson: The ability to pivot often determines long-term survival in business.
7. Refusing to Accept Limiting Narratives
Kimberly rejects the idea that her background should define her ceiling.
She emphasizes self-talk, belief, and forward motion—even without a support system.
Her story challenges stereotypes about: Foster youth
Teen mothers
Single Black women in business
Nontraditional entrepreneurs

Takeaway: Your starting point does not determine your finish.
Notable Quotes
“I always lived in survival mode—failure was never an option.”
“I had to raise myself, so I had to believe in myself.”
“If I did it from where I came from, I promise you—you can do it too.”
“Always stay adaptable. The market changes, so you change with it.”
“Put one foot in front of the other, even when it feels like the world is caving in.”
“Success was never something I thought I couldn’t have—I just had to figure out my path.”
Overall Impact
Kimberly Kelly’s interview is a testament to perseverance without privilege. It reframes success as a product of:
Relentless forward motion
Learning wherever possible
Faith and internal motivation
Ownership, adaptability, and leadership
Her story resonates most powerfully with listeners who have been told—directly or indirectly—that their circumstances disqualify them from success.
Final message: There are no excuses left after hearing this story—only choices.
#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 Katrina Fitten.
Purpose of the Interview
The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital.
Key Takeaways
Funding Opportunities & Qualifications
Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding.
Basic qualifications include: Credit score of 680+
Existing credit lines (at least $10,000)
A clear business mission and low-risk profile.


Avoiding Scams
Beware of unsolicited emails/texts promising easy money.
Do your homework: Check companies on Better Business Bureau (BBB).
Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express).

Never share sensitive information without verifying legitimacy.

Importance of a Business Plan
Funding is not free money—you need a strategic plan.
Katrina calls it a “money mission”: know exactly how funds will be deployed.
Without a plan, money disappears quickly, leading to debt and bad credit.

Family & Friends Lending
Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties.
Decide upfront if it’s a gift or a loan.


Services Offered by New Day for You Financial
SBA loans, equipment loans, purchase order financing.
Lines of credit and 0% interest credit cards (18–21 months).
Credit card stacking for higher funding amounts.
Credit restoration referrals for those with poor credit.

Success Story
Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan.

Notable Quotes
“If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.”
“We don’t want to be out here racking up good debt and then you’re not going to be responsible.”
“You have to vet companies. Go to BBB, Google them, and check their credibility.”
“If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.”
“We say if you don’t get anything, we don’t get paid.”
#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 Dr. Tiffany Bussey
Title: Director, Morehouse Innovation and Entrepreneurship Center (MIEC)
Dr. Tiffany Bussey discusses how the Morehouse Innovation and Entrepreneurship Center works to scale Black- and Brown-owned businesses, close the racial wealth gap, and intentionally connect entrepreneurs and workers to capital, contracts, and emerging industries, particularly in sustainability.
Purpose of the Interview
The interview serves to:
Educate listeners about the systemic barriers facing Black entrepreneurs beyond access to capital.
Highlight practical solutions—programs, partnerships, and ecosystems—that create real economic outcomes.
Shift mindsets around entrepreneurship, risk, and opportunity, especially in underserved communities.
Expose listeners to emerging, high-growth industries (e.g., sustainability, EVs, renewable energy) instead of oversaturated traditional businesses.
Promote community-based economic ecosystems, particularly the collaboration between Morehouse, Goodwill, and corporate partners.
Key Themes & Takeaways 1. Entrepreneurship as a Tool for Closing the Wealth Gap
Dr. Bussey positions entrepreneurship and business ownership as one of the most effective ways to generate long-term wealth in Black communities.
The Center has supported 400+ scalable, mid-sized businesses, resulting in: 850+ jobs created
$34M+ in new capital accessed
$82M+ in new revenue generated

Key insight: The problem isn’t a lack of capable Black businesses—it’s visibility, access, and opportunity.
2. “Access to Opportunity” Matters as Much as Capital
While access to capital dominates the conversation, Dr. Bussey emphasizes access to contracts and decision-makers.
MIEC programs are designed with opportunity partners (large corporations, general contractors, primes) so participants gain: Exposure to real contracts
Understanding of supply chains
Direct relationships with decision-makers

Takeaway: Capital without revenue and customers won’t sustain a business.
3. The Three C’s of Business Growth
Dr. Bussey outlines MIEC’s core framework:
Capital – Funding and financial resources
Connections – Two-way, relationship-based networks
Contracts – Revenue-generating opportunities
She stresses that connections only matter if relationships are mutual—it’s not enough to “know someone” unless they also understand your value.
4. Breaking Stereotypes About Black-Owned Businesses
Dr. Bussey addresses harmful narratives around skill, readiness, and qualifications.
She highlights intentional strategies to: Prepare businesses before opportunities arise
Align training and recruitment with future industries
Counter biases through performance, scale, and visibility

Key idea: Preparation plus access dismantles bias.
5. Sustainability = One of the Largest Economic Opportunities
Dr. Bussey reframes sustainability as an economic opportunity, not just an environmental issue:
Electric Vehicles: ~$163B industry
Green Construction: ~$324B industry
Renewable Energy: ~$952B industry
Sustainable Agriculture: ~$20B industry
She urges listeners to stop defaulting to oversaturated businesses (e.g., nightclubs) and instead pursue industries that are expanding rapidly and globally.
6. Workforce Development + Business Development Must Align
Goodwill provides free job training, certifications, and even stipends for individuals.
Morehouse trains businesses that can hire those workers, creating a full economic loop.
This ecosystem addresses two major barriers simultaneously: Human capital
Business readiness

Takeaway: Economic equity requires aligned systems, not isolated programs.
7. Entrepreneurship Is Rewarding—but Not Romantic
Dr. Bussey demystifies entrepreneurship:
It’s high-risk, exhausting, and statistically likely to fail early.
Failure is part of the process, but historical and financial realities make risk harder for Black entrepreneurs.
Ownership remains critical despite these challenges.
Key message: Entrepreneurship is powerful, but it must be supported intentionally.
Notable Quotes
“Entrepreneurship and small businesses are one of the pathways to closing the racial income inequality gap.”
“We don’t just provide technical assistance for technical assistance’s sake—this is about creating real opportunity.”
“Capital dominates the conversation, but contracts are equally important.”
“People don’t buy products or services. They buy solutions.”
“We have to stop thinking only about what we feel we have access to.”
“Sustainability is not one industry—it’s multiple trillion-dollar opportunities.”
“Entrepreneurship is the most rewarding and the most fatiguing thing you’ll ever do.”
Overall Impact
The interview functions as both a masterclass and a call to action:
For entrepreneurs: Think bigger, pursue scalable industries, and prepare for opportunity.
For communities: Build ecosystems, not silos.
For institutions and corporations: Inclusion requires intentional design.
Dr. Tiffany Bussey presents a practical, data-backed roadmap for inclusive economic development—centered on ownership, access, and readiness.
#STRAW #SHMS #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 Dr. Melanye “Dr. Mac.”
Maclin joins Rushion McDonald to discuss the serious health risks associated with hair relaxers, permanent dyes, and synthetic braids—particularly among Black women. Drawing from over 25 years of research and patient experience, she explains how chemicals used in these products absorb through the scalp, disrupt hormones, and significantly increase the risks of breast cancer, ovarian cancer, uterine cancer, early puberty, fibroids, and infertility.
The conversation also highlights systemic resistance from the beauty industry, government agencies, and even consumers themselves—primarily due to financial incentives and lack of awareness. Dr. Mac advocates for safer hair practices, increased education, and protective measures to reduce exposure. She also discusses her pioneering internal hair‑health supplements, Bella Nutri, for women (2004) and men (2008), and how she helped introduce the U.S. market to nutritional hair support long before it was mainstream.
Purpose of the Interview
The purpose of the interview is to:
1. Educate listeners about the hidden health dangers
…of chemical hair treatments including relaxers, permanent dyes, and synthetic hair containing benzene.
2. Advocate for informed hair‑care decisions
Dr. Mac wants women—especially Black women—to understand how beauty practices impact long‑term health.
3. Encourage the beauty industry to adopt safety protocols
Such as scalp protection, warning labels, and honest communication about risks.
4. Highlight Dr. Mac’s work and products
Including her Bella Nutri supplements and educational platforms (Ask Dr. Mac).
5. Empower parents to protect children
By avoiding chemical treatments on young girls whose bodies are especially vulnerable.
Key Takeaways 1. Chemical relaxers and permanent hair dyes are strongly linked to increased cancer risks.
Permanent dyes raise the risk of breast, uterine, and ovarian cancer.
Black women exhibit a 45% increased risk of breast cancer when using permanent dyes.
Combining dyes with relaxers significantly compounds the danger.
2. The danger comes from chemical absorption into the scalp.
Relaxer chemicals include sodium, calcium, guanine, and lithium hydroxide.
These chemicals burn through the scalp, entering the bloodstream and disrupting hormones, leading to early puberty, fibroids, infertility, and cancer.
3. Synthetic braiding hair contains benzene—a carcinogen.
Benzene exposure affects both the stylist and the client.
Risks include lung cancer and leukemia.
4. The beauty industry resists change because of profit.
Salons rarely display warnings because “it affects business.”
The relaxer–damage→hair‑loss→extensions cycle creates a lucrative revenue loop.
5. Children are especially vulnerable to chemical exposure.
Relaxers on children under 10 can cause: early puberty
fibroids
infertility
early hysterectomies
increased cancer risk

Dr. Mac advises never relaxing a child’s hair, but if done, the product must stay on no more than 5–10 minutes with complete scalp protection.
6. Scalp protection is essential for anyone still using relaxers.
Use petroleum jelly over the entire scalp, not just the hairline.
This reduces chemical absorption during both application and rinsing.
7. Dr. Mac pioneered the U.S. hair‑supplement industry.
Developed Bella Nutri after research with a Finnish company (Scalp).
Initially dismissed as a “witch doctor,” but now the hair‑supplement market is mainstream.
8. She refuses to participate in relaxer‑related lawsuits.
Because she has warned people for 20+ years, she cannot ethically testify for those who ignored repeated warnings.
Notable Quotes
On the impact of chemicals:
“The chemicals burn through the scalp… getting into the main bloodstream and causing hormone disruption.”
On the increased cancer risk:
“African‑Americans have a more than 45% increased risk when we use permanent hair dyes.”
On synthetic braids:
“As long as that synthetic hair is on her head, she is breathing in benzene.”
On industry pushback:
“People are about the green‑eyed devil called money.”
On relaxing children’s hair:
“Hopefully a mother doesn’t take her child to get a relaxer.”
“Hair chemicals can lead to early puberty, fibroids, infertility, even hysterectomies before age 40.”
On the vicious cycle of damage and profit:
“It’s a 360‑degree money‑making cycle.”
On caring more than her patients:
“I feel like I’m caring more about someone’s health than they are caring about their own.”
On pioneering supplements:
“Hair and skin are internal organs—they manifest externally.”
#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 Ashley M. Fox.
Summary of the Interview
In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people.
Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally.
The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20.
Purpose of the Interview
The interview aims to:
1. Inspire financial empowerment
Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes.
2. Demystify investing and wealth-building
She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners.
3. Highlight her fintech platform Emplify
She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes.
4. Encourage a mindset shift
Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions.
Key Takeaways 1. Wealth Begins with Belief and Mindset
Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it.
2. You Don’t Need a Lot of Money to Start Investing
She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth.
3. You Can Invest in Others’ Ideas—Not Just Your Own
Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation.
4. Ashley’s Own Journey Included Failure
After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going.
5. Financial Education Should Start Early
She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late.
6. Emplify Scales Wealth Education
Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively.
7. Social Media Is Her Biggest Access Point
Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are.
8. You Must Pay Yourself First
Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern.
9. Logic Over Emotion
Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth.
Notable Quotes (Taken From the Transcript) On Wealth Mindset
“When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.”
“There is no president that can build the wealth that you can create for your family.”
On Starting Small
“You don't have to have a lot of money to start. You just have to have the will to begin.”
“A whole lot of $20 can get you to a million—as long as you don’t stop.”
On Investing
“Consider the companies you give your money to and own them, because they are a lot cheaper than you think.”
“If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.”
On Self-Reliance
“You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?”
On Purpose and Identity
“My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.”
“Emplify is the movement. It just has my DNA.”
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.