The Steve Harvey Morning Show

The Steve Harvey Morning Show for Thursday, March 19th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Nappy Hair" | Ask The CLO | Trending & Entertainment News | Funny Things Only Black People Do | Russell Wilson - Stepfathers | Nephew Tommy's Prank - "You Hit My Car" | Strawberry Letter - "Up & Down All The Time" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Meteor Over Cleveland | Would You Rather | Steve Harvey's Closing Remarks
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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 Valerie Obaze.
Founder of R&R Skincare.
🎯 Purpose of the Interview
The interview aims to:
Highlight Valerie Obaze’s entrepreneurial journey in founding R&R Skincare.
Challenge stereotypes about Africa’s capabilities and resources.
Promote African-made beauty products and their global relevance.
Inspire others, especially women and diaspora Africans, to invest in and build businesses rooted in African heritage.
🧠 Key Takeaways 1. Breaking African Stereotypes
Valerie and Rushion discuss how Africa is often misrepresented in Western media.
Valerie emphasizes that ignorance is not always malicious, but it’s time to reframe the narrative through firsthand experience and platforms like social media.
“Ignorance doesn’t always have to be an insult. If you don’t know, you just don’t know better.” – Valerie Obaze
2. The Birth of R&R Skincare
Inspired by the birth of her daughter, Valerie sought natural skincare solutions.
She discovered liquid shea oil, which became her first product.
The brand name “R&R” stands for Rebecca Rose (her daughter’s name) and also Rest & Relaxation.
“I wanted to create a product that makes using these raw materials from the continent enjoyable.” – Valerie Obaze
3. From Garage to Global
Valerie started in her mother-in-law’s garage, turning it into a compliant mini factory.
She had no formal business plan, relying on her PR and branding background.
The brand now has three stores: one in Lagos and two in Accra, including one at the airport.
4. Authenticity and African Pride
Valerie insists on maintaining the African identity of her brand.
She uses locally sourced ingredients and ensures cruelty-free testing.
The brand supports women in the supply chain, creating economic opportunities.
“We don’t intend to hide that in any way. We just wanted to make raw materials sexy.” – Valerie Obaze
5. Expansion to the U.S.
Valerie is expanding R&R Skincare to the U.S., leveraging social media, activations, and PR expertise.
Products are manufactured in Africa, but distributed from U.S. warehouses to ensure timely delivery.
“We found our tribe over here… and this was the right time to come back to America.” – Valerie Obaze
🧴 Product Highlights
Shea Oil – First product, moisturizing and healing.
Body Butter – Whipped, light, and rich in essential oils.
Liquid Black Soap – Modern take on traditional African cleansing.
Hand Cream – Convenient and portable for dry conditions.
🌍 Big Picture Vision
Valerie’s goal is to grow an African brand globally, showcasing the richness of African resources and empowering local economies.
“This is just a small representative of the entire continent and what it is capable of.” – Valerie Obaze
#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 Leonard S. Graham.
Social Security disability advocate, Leonard S. Graham joined Rushion McDonald on Money Making Conversations Master Class to explain how Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) really work, who qualifies, and how misconceptions prevent people—especially within the Black community—from receiving benefits they are legally entitled to. Graham has over 35 years of experience assisting clients nationwide with disability claims, appeals, and hearings.
The conversation sheds light on the disability process, eligibility, the appeals system, the role of advocates vs. attorneys, and the importance of education, honesty, and persistence in navigating Social Security.
🎯 Purpose of the Interview
The interview aims to:
Educate listeners on Social Security disability benefits, including eligibility, filing, and appeals.
Debunk common myths, such as the belief disability is only for seniors.
Explain SSDI vs. SSI, work credits, resource limits, and Medicare connections.
Highlight the importance of advocacy, especially for underserved communities unfamiliar with the system.
Encourage individuals not to fear or stigmatize applying for disability, and to avoid misinformation from non‑professionals.
🔑 Key Takeaways 1. Disability Isn’t Just for Seniors
Many mistakenly think Social Security disability is only for people over 65, but anyone with the required work credits can qualify, regardless of age—even individuals in their 20s or 30s.
2. Working Does NOT Automatically Disqualify You
Applicants can work while applying as long as they do not exceed the monthly substantial gainful activity (SGA) threshold of $1,690 per month.
3. Every Claim Is Unique—Don’t Compare Your Case to Others
Graham warns clients not to take advice from neighbors or relatives because each disability case depends on medical evidence, work history, age, and individual conditions.
4. SSDI Requires Work Credits; SSI Is Needs-Based
SSDI: Requires 20 credits minimum, 40 credits for maximum benefit, earned through past work. Assets do not affect eligibility.
SSI: For people with low resources ($2,000 single / $3,000 married). Primary home/car do not count as resources.
5. Medicare Comes After Approval
Medicare eligibility begins 24 months after being awarded SSDI benefits.
6. Appeals Are Normal—Most Initial Claims Are Denied
95% of initial applications are denied, and the real opportunity often comes during a hearing before an administrative law judge. Persistence is essential.
7. Honesty Prevents Fraud & Overpayments
Applicants should always disclose their financial situation truthfully to avoid fraud investigations and repayment demands.
8. Disability Benefits Can Provide Back Pay
Approved claimants often receive a Notice of Award detailing monthly benefits and any back pay owed. Representatives are only paid from back pay—not monthly benefits.
9. Stigma & Fear Prevent People from Applying
Graham emphasizes that pride, fear, and misinformation often stop people—especially in the Black community—from seeking help, even when disability support could save them financially.
🗣️ Notable Quotes ✔ On Who Needs Disability
“What if you get in a car accident… or have an illness and you can’t work? Those are reasons to file for disability.”
✔ On Misinformation
“Don’t talk to your neighbor or relatives about your claim… Each claim is its own individual claim.”

✔ On Work Limits
“You can still work and have an active claim as long as you don’t gross over $1,690 a month.”
✔ On Stigma
“Some people feel applying for benefits makes them look a certain way. But the system is there to help you when you are unable to work.”
✔ On Honesty
“Just tell the truth. If they catch you on the fraud side, you’ll have to pay the money back.”
✔ On Perseverance
“Getting a denial is nothing out of the norm… The key is to continue with the claim.”

#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 Paul Dashevsky.
Serial entrepreneur and founder of Maxwell, a platform focused on Accessory Dwelling Units (ADUs), also known as tiny homes:
🎯 Purpose of the Interview
To educate listeners on the growing trend of Accessory Dwelling Units (ADUs), their practical uses, legal considerations, and how platforms like Maxwell help homeowners navigate the process of building or buying tiny homes—especially in light of new options like Amazon’s prefab homes.
🗝️ Key Takeaways
What Are ADUs?
Formerly known as tiny homes or granny flats, ADUs are small, secondary housing units built on residential properties.
They range from 150 to 1200 square feet and serve various purposes: rentals, studios, housing for aging parents, or personal retreats.

Growing Popularity
Driven by housing shortages and affordability issues, especially in states like California.
Governments are easing restrictions to allow more ADUs to be built, including San Diego’s initiative to allow unlimited ADUs if they’re affordable.

Use Cases
Rental income
Housing for retirees or aging parents
Studios (music, yoga), guest houses, or nanny quarters

Amazon’s Entry
Amazon now sells prefab two-story tiny homes under \$50,000.
While appealing, buyers must understand the additional costs and logistics: foundation, utilities, permits, and construction.

Legal & Practical Considerations
ADUs must be permitted and built to code to be safe and legally rentable.
Homeowners should consult their city’s building department before starting.
A certificate of occupancy is required for someone to legally live in the unit.

Maxwell Platform
Offers resources, videos, and guidance for anyone interested in building or buying ADUs.
Helps users find reliable contractors and understand the full scope of building an ADU.

Impact on Property Value
ADUs generally increase property value by adding rentable living space.
They are a viable wealth-building strategy through real estate investment.

Social Impact
ADUs could be a solution to homelessness by providing affordable housing options.
Cities like San Diego are already exploring this potential.

💬 Notable Quotes
“You’re not building a Lego kit here.” — Paul Dashevsky on the complexity of constructing ADUs
“There’s no success without sacrifice.” — Rushion McDonald, echoing the theme of entrepreneurship
“Go down to your building department at your city and ask them what guidelines they have.” — Paul’s advice on starting an ADU project
“If you invest in real estate… that’s a great way to build wealth.” — Paul on the financial benefits of ADUs
“I wish America would look at the possibilities of seeing what ADUs can do for the homeless community.” — Rushion McDonald on the social potential of tiny homes
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Bamidele Farinre
Founder of No Ceiling Consulting, a biomedical scientist, STEM expert, agile project manager, and advocate for professional development, mentorship, and removing internal and systemic limitations (“ceilings”).
They discuss her STEM background, the evolving role of AI in science, the meaning of “no ceilings,” navigating personal and professional barriers, mentorship, setbacks, agile leadership, and how individuals—especially people of color—can create opportunity even in the face of bias and structural limitations.
🎯 Purpose of the Interview
The purpose of having Bamidele on the show was to:
1. Highlight her work at No Ceiling Consulting
Her firm helps individuals and organizations unlock potential, elevate performance, and lead with purpose, specializing in STEM leadership, DEI, professional development, and agile project management.
2. Explore the concept of “No Ceilings”
She provides a framework for breaking through personal and professional barriers—emphasizing that many “ceilings” are internal, learned, or based on access and systemic issues.
3. Discuss STEM, AI, and the future of work
She explains the growing role of automation and AI, how it reshapes STEM roles, and why professionals must upskill, adapt, and embrace professional development.
4. Provide strategies for career advancement
Her insights include mentorship, persistence, self‑advocacy, managing setbacks, and adopting agile mindsets.
💡 Key Takeaways
1. STEM + AI = New Opportunities, Not Job Loss
Automation and AI enhance efficiency, reduce manual labor, and create new roles—especially in labs and diagnostics. Instead of replacing workers, AI demands that professionals upskill and leverage technology for faster, better outcomes.
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2. “No Ceilings” Means Removing Internal + External Barriers
Bamidele distinguishes between:
Personal ceilings
Internal doubts
Imposter syndrome
Feeling “not enough” despite capability
Learned perceptions from bias or discouraging environments
Professional ceilings
Being overlooked for opportunities
Lack of access to resources (even when resources exist)
Systemic barriers, bias, and limited upward mobility
“No ceilings” means operating from a mindset of possibility, not limitation.

3. Mentorship Is the Missing Link in Many Careers
Mentorship provides:
Guidance
Access
A blueprint from those who have “been there”
Confidence building
She explains that while mentorship is more visible today, access to the right mentorship still matters.

4. Setbacks Are Strategies in Disguise
She argues setbacks can redirect you to more aligned paths. Her personal example:
She failed her A‑level science subjects in the UK
A lecturer told her to “rethink her career”
Instead, she re‑enrolled, tried again, and succeeded
Setbacks force reassessment, new strategies, and new paths—if you don’t let them define you.

5. Professional Success Requires Initiative and Advocacy
She emphasizes:
Don’t wait for opportunities—go after them
Knock on multiple doors
Apply for roles even if you don’t feel 100% ready
Learn from interviews even if you don’t get the job
Rushion supports this point with his IBM story: opportunity started when he stopped complaining and clearly shared his goals.

6. Agile Leadership Applies Beyond Technology
Agile principles help leaders:
Think quickly and adapt
Focus on collaboration and accountability
Encourage self‑management
Support teams through “servant leadership”
Reflect and iterate rather than waiting for perfect plans
Agile mindset = resilience + responsiveness.

7. Faith, Vision, and Purpose Drive Her Journey
Bamidele speaks candidly about:
Faith guiding her through rejection and setbacks
Conversations with God grounding her
Believing her life is a “living testimony” of grace and perseverance

🗣 Notable Quotes (with citations) On AI and automation
“Automation makes life easier… without it, manual methods take hours, weeks, months to get results.”
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On embracing AI
“AI is not taking your jobs, but those that ignore the AI will be left behind.”

On personal ceilings
“You’re thinking to yourself, ‘I can’t do it,’ even though you have the evidence to show you can.”

On professional ceilings
“You may have access, but you don’t have access to access.”

On initiative
“I don’t wait for opportunities—I always go for it. Worst case, you’ll say no.”

On setbacks
“When you have a setback, you’re thinking: what can I do? This can’t stop me.”

On mindset
“Life is all about risk. You have to look for solutions; there has to be another way.”

On faith
“Grace carried me to where I am today… my life is a living testimony.”

On the meaning of ‘No Ceilings’
“Why do we even have a ceiling in the first place? Let’s operate in a world where we don’t see the ceiling—only possibilities.”
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#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
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