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 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 #AMI
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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Marketing for small businesses
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Startup funding opportunities
Executive leadership training
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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 Holly Cotton.
Discussed her new book, The Hard Choice: When the High Road Feels Like Losing. The conversation explored how people can navigate difficult life situations, protect their peace, manage stress, and make tough decisions even when doing the right thing does not seem to deliver immediate rewards. Holly also shared insights on entrepreneurship, authorship, and building a business around your expertise.
Interview Summary
Holly Cotton joined Money Making Conversations Master Class to discuss the powerful lessons behind her book, The Hard Choice. She explained that many people experience situations where they are hurt, disrespected, or treated unfairly and are forced to decide whether to retaliate or take the high road.
A central message from the interview was that doing the right thing is often emotionally difficult because the people who caused harm may never face visible consequences. Holly encouraged listeners to stop basing their peace and happiness on whether others receive karma or punishment and instead focus on protecting their own well-being.
The conversation also highlighted Holly's commitment to mental wellness. She discussed her free "Pause Before You Pop" resource, which helps people recognize emotional triggers and avoid making impulsive decisions they may later regret.
Rushion and Holly also connected over their experiences as cancer survivors, discussing how life-changing health challenges can reshape priorities, strengthen authenticity, and increase appreciation for peace and purpose.
In the second half of the interview, Holly shifted to entrepreneurship and publishing. She shared practical advice for aspiring authors, stressing that writing a book is only the beginning. Success comes from understanding your audience, creating a marketing strategy, and transforming your knowledge into multiple streams of income.
Key Takeaways 1. Taking the High Road Is Not Easy
Doing the right thing often feels unfair when others continue to prosper despite their behavior, but integrity ultimately serves you better than retaliation.
2. Peace Is Priceless
Protecting your mental and emotional well-being should always be a priority.
3. Stop Waiting for Karma
Your decisions should not depend on whether someone else experiences consequences for their actions.
4. You Are Not Stuck
Whether in a career, relationship, or personal situation, you have the power to create a plan and move toward a better future.
5. Manage Triggers Before They Manage You
Learning to pause before reacting can prevent emotional decisions that create long-term problems.
6. Adversity Can Create Growth
Life-changing experiences, including health challenges, can provide a new perspective on what truly matters.
7. Writing a Book Is a Business
Authors who want success must think about distribution, marketing, audience development, and revenue opportunities.
8. Know Your Target Audience
Before writing a book, know who will benefit from it and who is most likely to purchase it.
9. Create Multiple Revenue Streams
Books can lead to speaking engagements, courses, coaching programs, workshops, and digital products.
10. Success Requires Structure
Goals are achieved through planning, outlines, accountability, and consistent execution.
Memorable Quotes
"The hard choice comes in when the high road doesn't feel like winning."
"Peace is priceless, especially my peace."
"You cannot let your decision be contingent upon them getting some type of repercussion for what they did."
"Don't come to me with excuses."
"You are not stuck."
"The only person who cares about your happiness is you."
"I'm not in the book-writing business. I'm in the book-selling business."
"The most important part of writing a book is identifying your target audience."
"Everybody has a story. What is your differentiator?"
Final Thoughts
Holly Cotton delivered an inspiring and practical conversation centered on resilience, emotional intelligence, personal accountability, and entrepreneurship. Her message was clear: choosing peace over revenge, taking ownership of your happiness, and making difficult but necessary decisions are essential to personal growth. Whether discussing mental wellness or book publishing, Holly emphasized that lasting success comes from intentional choices, strategic action, and a commitment to living authentically.
#STRAW
#BEST
#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 Attorney James Carter.
The 84th President of the National Bar Association (NBA). The conversation focuses on voting rights, election protection, civil rights advocacy, estate planning, economic empowerment, and the importance of legal representation in underserved communities. Carter also shares his vision for advancing opportunities and equity through legal leadership.
Purpose of the Interview
The purpose of the interview was to educate listeners about the importance of civic engagement, protecting voting rights, building generational wealth, and understanding how legal advocacy creates stronger communities. Attorney Carter discusses how the National Bar Association works to promote justice, protect civil rights, and provide resources that empower individuals and families.
Key Takeaways 1. Protecting Voting Rights Is Essential
Carter emphasized that safeguarding voter access and participation remains one of the National Bar Association's most important missions. Educating voters and ensuring fair elections are critical to a healthy democracy.
2. Elections Affect Everyday Life
Government decisions impact education, employment, taxes, homeownership, healthcare, and economic opportunity. Carter stressed that voting is one of the most powerful ways individuals can influence their future.
3. Civic Engagement Must Increase
Many eligible citizens do not vote despite being directly affected by public policy decisions. Carter encouraged listeners to become informed and actively participate in the political process.
4. The National Bar Association Continues a Legacy of Advocacy
Founded to support African American attorneys and advance civil rights, the organization remains committed to addressing legal and social inequalities across the country.
5. Estate Planning Creates Generational Wealth
One of the most practical lessons from the interview was the importance of wills, trusts, and estate planning. Carter explained that protecting assets is just as important as acquiring them.
6. Homeownership Is a Wealth-Building Tool
Property ownership can provide families with long-term financial stability, but proper legal planning is necessary to ensure assets are preserved for future generations.
7. Leadership Means Serving Others
Carter views leadership as an opportunity to remove barriers, create access, and improve opportunities for people facing economic and social challenges.
8. Mentoring Future Leaders Matters
The legal profession has a responsibility to guide and mentor the next generation of leaders, helping them access opportunities and achieve success.
Memorable Quotes
“Vote like your life depends on it.”
A powerful reminder that civic participation has a direct impact on individual and community outcomes.
“Every aspect of our lives are affected by, in part, who is in office.”
This statement highlighted the connection between elections and daily life.
“Property ownership is a clear pathway to economic prosperity.”
A key takeaway emphasizing the role of homeownership in wealth creation.
“We want an even playing field, unfettered opportunity to realize the full potential of the people in our communities.”
This quote reflects Carter's commitment to equity and opportunity.
“To remove barriers, to use every power that I have in my capacities... to make a better life for the millions of folks who are in these marginalized communities.”
A statement that captures his leadership philosophy and public service mission.
Overall Message
Attorney James Carter's interview delivers a strong message about the power of participation, preparation, and advocacy. Whether through voting, protecting legal rights, creating estate plans, mentoring young professionals, or pursuing homeownership, individuals can take meaningful steps toward building stronger communities and creating lasting generational wealth. His message is clear: lasting change begins when people become engaged, informed, and proactive about their future.

#SHMS #BEST #STRAW

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

Kadeem Hardison and Darryl M. Bell dive into arts and pop culture — then rewatch every episode of "A Different World" on their new comedy podcast.
Listen here and subscribe to A Different World View with Darryl & Kadeem on the iHeartRadio app or wherever you get your podcasts!
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The Steve Harvey Morning Show for Friday, October 30th, 2026: Steve Harvey's Morning Inspiration | Show Open - Cast Intros | Run That Prank Back - "You Gave Wrong Directions To My Sister's Grave" | Ask The CLO | Special Guest: Roland Martin Pt 1-2 | Roscoe Wallace | Nephew Tommy's Prank - "DPCA - Dead Person Collection Agency" | Strawberry Letter - "Who Cares If His Auntie Hears Us?" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Friends & Family Sale (Sponsored By Macy's) | Would You Rather | Steve Harvey's Closing Remarks
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