The Steve Harvey Morning Show

The Steve Harvey Morning Show for Wednesday, March 11th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Lent" | Ask The CLO | Trending & Entertainment News | Jesse Jackson Jr Is Upset About Father's Funeral | Pet Peeves | Nephew Tommy's Prank - "Yo Wife is Fine as Hell" | Strawberry Letter - "I Feel Homeless at Home" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Wellness Wednesday with Vicks ZZZQuil | 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 Dr. Nicole Roberts Jones.
🎯 Purpose of the Interview
The interview aims to:
Introduce Dr. Nicole Roberts Jones’ work helping entrepreneurs and professionals “bankroll their brilliance”.
Encourage listeners to monetize their unique talents and create multiple streams of income.
Inspire individuals to align their purpose with their profession for greater impact and fulfillment.
Share strategies for overcoming fear, embracing authenticity, and building scalable businesses.
🧠 Key Takeaways 1. From Casting to Coaching
Nicole’s early career in talent management and casting helped her develop a gift for recognizing people’s potential. She now uses that gift to help entrepreneurs and executives identify their “DNA” (Distinct Natural Ability) and turn it into income.
“I could see you and how you could fit into the script… That’s really what I do with entrepreneurs now.” – Dr. Nicole Roberts Jones
2. Purpose Is Your Power
Nicole emphasizes that purpose is the one thing you never get fired from. Aligning your work with your purpose leads to higher performance and deeper fulfillment.
“When you bless somebody with the thing that you do, they’re gaining—and you’re gaining for God.” – Dr. Nicole Roberts Jones
3. Multiple Streams of Income
She teaches clients to diversify their income by creating products, programs, and services that don’t require their constant presence—what she calls “money while you sleep” or “mailbox money.”
Examples include:
Lawyers creating online courses for clients who can’t afford billable hours.
Gymnasts licensing their training methods and renting out facilities.
“Your comfort zone is where your dreams go to die.” – Dr. Nicole Roberts Jones
“If you are physically tied to the money you make, you’re capping your potential.” – Rushion McDonald
4. Stop Giving Away Your Brilliance
Nicole warns against giving away intellectual property for free. She encourages professionals to recognize the value of their expertise and package it into paid offerings.
“You’re giving away your cookie for free… You have value that people will pay for.” – Dr. Nicole Roberts Jones
5. Create a Methodology
She helps clients build a blueprint for their expertise, turning routines and habits into teachable systems. Her metaphor: “You can’t see the label from inside the jar,” meaning people often overlook their own value.
“It’s really helping someone produce the value that is coming out of you effortlessly.” – Dr. Nicole Roberts Jones
6. Authenticity Is a Business Strategy
Nicole encourages people to embrace their full personality, even if it’s “too much” for some. She believes that being yourself is the key to attracting the right audience and opportunities.
“Stop letting people turn down your light. This is who I am. God made me this way.” – Dr. Nicole Roberts Jones
💬 Memorable Quotes
“Corporate doesn’t need more of corporate.”
“Faith is the substance of things hoped for, the evidence of things not seen.”
“Each of us were born to disrupt whatever system we’re called to work in.”
🌟 Impact of the Interview
This episode is a masterclass in personal branding, purpose alignment, and entrepreneurial strategy. Nicole’s energy and clarity make her insights actionable and inspiring, especially for professionals looking to pivot, scale, or rediscover their value.
#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. Joaquin Wallace.
🎯 Purpose of the Interview
To explore Dr. Wallace’s groundbreaking work in financial literacy, particularly his concept of the “financial genetic code”, and to promote his book Generational Wealth Begins with Generational Knowledge. The interview aims to empower marginalized communities with tools for financial healing, literacy, and long-term wealth building.
🗝️ Key Takeaways 1. Background & Recognition
Dr. Wallace is a recipient of the Wells Fargo Living History Makers Award.
Featured in the Contemporary Black Biography series.
Former college basketball coach and educator with a strong focus on discipline and mentorship.
2. Seven-Stage Generational Wealth Model
Outlined in his book, the model includes:
Internal/External Ecosystem – influences from family, community, and environment.
Financial Genetic Code – inherited financial narratives and behaviors.
Financial Healing – reprogramming harmful financial habits.
Financial Edification – literacy and inclusion.
Financial Well-being – stability and health.
Generational Knowledge – estate planning, insurance, long-term care.
Generational Wealth – successful transfer of assets.
“Without financial well-being, there is no generational wealth.”
3. Financial Genetic Code
A trademarked concept by Dr. Wallace.
Unlike DNA, it can be rewritten through education and therapy.
Influenced by early experiences, family habits, and community norms.
Examples include “scar tissue narratives” (trauma from past financial events).
4. Credit & Financial Literacy
Credit score is critical but misunderstood.
Utilization rate should be under 30%.
Payment history and inquiries significantly affect scores.
Many people are unaware of the difference between consumer scores and business scores.
5. Barriers to Financial Growth
Lack of trust in financial systems due to past trauma.
Misinformation passed down from family and community.
Zip codes and overleveraging can impact loan approvals.
Financial professionals may unknowingly transfer their own biases to clients.
6. Role of Financial Professionals
Dr. Wallace identifies five key roles:
Financial Educator
Financial Counselor
Financial Therapist
Financial Advisor
Financial Planner
He emphasizes matching individuals with the right professional based on their needs and emotional readiness.
7. Book Insights
Generational Wealth Begins with Generational Knowledge is an Amazon bestseller.
Includes self-assessments after each chapter.
Designed for both professionals and everyday readers.
Encourages readers to identify their financial stage and take actionable steps.
💬 Notable Quotes
“You are your credit score.”
“Inherited financial narratives create encoded financial behaviors.”
“Any answer sounds correct if you don’t ask the right question.”
“Consistency creates consistent outcomes.”
“Financial literacy is not the end-all—it’s just one piece of the puzzle.”
“We do what we know. If we don’t know, we just continue to do.”
📌 Final Thoughts
Dr. Joaquin Wallace offers a transformative framework for understanding and improving financial behavior, especially in underserved communities. His concept of the financial genetic code bridges psychology, education, and economics, making financial wellness more accessible and actionable.
#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 Todd Kroupa
A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist.
The conversation walks through:
His transition from the fire service to real estate
Opening and managing a 400‑agent office in Florida
Relocating to Georgia and re-establishing his business
How he advises both first-time homebuyers and experienced sellers
Emotional decision-making in buying and selling
Inspections, deal-breakers, and buyer/seller behavior
Multi-generational housing trends post‑COVID
Why real estate remains a wealth-building tool
Advice for navigating neighborhoods, schools, and due diligence
His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025)
Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal.
Purpose of the Interview
The purpose of Todd Kroupa’s appearance is to:
Share a motivational career-change story — moving from firefighter to top real estate agent.
Educate listeners on the real estate process — including buying, selling, inspections, and market strategy.
Give practical tips for first-time homebuyers, families, and multi-generational households.
Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls.
Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients.
Key Takeaways 1. Career Transition & Motivation
Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002.
Real estate appealed to him because it allowed him to continue helping people without the physical strain.
He built and managed a 400-agent office before returning to working directly with clients — his true passion.
2. Balancing Firefighting and Real Estate
He often worked both jobs full-time, with limited days off.
Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife.
3. Buyer Advice
Buyers make decisions emotionally first, then logically.
Within the first 3–5 minutes in a home, buyers often know if they like it.
Lighting, paint color, home condition, and layout heavily influence emotional response.
First-time buyers need extra guidance — like “teaching someone to drive for the first time.”
4. Seller Advice
Selling isn’t just about market timing — presentation matters.
Neutral paint colors and bright white lighting help increase buyer appeal.
Every showing is won or lost in the first few minutes.
5. Inspections Matter — and Are Deal Breakers
Top inspection walk‑aways:
Mold
Foundation issues
Roof problems
Todd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.”
6. Emotion vs. Logic
Many buyers get emotionally attached and ignore red flags.
Todd’s rule: commissions should never drive decisions.
7. Multi-Generational Living Is Rising
Driven by COVID, high child-care costs, rising home prices.
Families are choosing: ADUs (Accessory Dwelling Units)
“In-law suites”
Larger family compounds

8. Real Estate as a Wealth Builder
Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset.

Tax advantages like 1031 exchanges and mortgage deductions compound long-term value.
9. Don’t Buy the Most Expensive House in the Neighborhood
Surrounding homes cap your resale value.
You may have to wait years for nearby homes to “catch up.”
10. Neighborhood Due Diligence
Realtors must avoid discrimination (Fair Housing Act).
Buyers should: Visit neighborhoods at night and on weekends
Speak with neighbors
Review school ratings and county resources

Notable Quotes (from the transcript) Career & Purpose
“I love helping people. That’s why I became a fireman. Real estate was another way to help people.”
“I wasn’t quite sure I wanted to manage long term… my heart was with clients.”
Ethics & Commission
“Commissions should never be above the people.”
“If you’re focused on commissions, you need to pick a different industry.”
Emotions in Home Buying
“Buyers think they’re looking logically, but they’re looking emotionally first.”
“Within the first 3–5 minutes, they already know if they like the home.”
Inspections
“If you’re not comfortable with the property now, you won’t be comfortable after you close.”
Neighborhood Choice
“Focus on the house, but look at the neighborhood — you can’t change your neighbors.”
Wealth Building
“With stocks you can’t control it, improve it, or live in it. With a home, you can.”
Success & Determination
“Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.”
#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 Tim Mercer.
Author of Bootstrap Millionaire and CFO of Cadence Ventures, Inc.:
🎯 Purpose of the Interview
To inspire and educate aspiring entrepreneurs and professionals by sharing Tim Mercer’s journey from humble beginnings to financial success, emphasizing the importance of hard work, faith, planning, and leveraging government contracts and nontraditional financing.
🗝️ Key Takeaways
Background & Journey
Tim Mercer grew up in Mullins, South Carolina, in modest circumstances.
His path to success began with military service, which broadened his worldview and led him to entrepreneurship.

Bootstrap Millionaire Philosophy
The term “bootstrap” symbolizes hard work, sacrifice, and perseverance.
Mercer emphasizes that success doesn’t come overnight—it requires grinding, planning, and faith.

Importance of a Business Plan
A solid business plan is essential for securing funding and guiding business growth.
Mercer shares real-life examples of people failing to secure support due to lack of planning.

Cadence Ventures, Inc.
A boutique private equity firm offering nontraditional financing for real estate investors.
Focuses on investment properties and uses the property itself as collateral.

Government Contracting
Mercer began in government contracting in 2012 and credits it with helping him scale his business.
He stresses that while it’s complex and paperwork-heavy, it’s a valuable opportunity for minority-owned businesses.
Free resources like SAM.gov and Georgia Tech’s GT PAC can help entrepreneurs navigate the process.

Success Requires Sacrifice
Mercer highlights that every successful person has a story of struggle and sacrifice.
His book’s first chapter, “See the Glory, Don’t Know the Story,” encapsulates this message.

💬 Notable Quotes
“If you want to have the things tomorrow that other people won’t have, then you got to be willing to do the things today that other people won’t do.” — Tim Mercer quoting Les Brown
“There’s no success without sacrifice.” — Tim Mercer
“You can only make as much as the customer that you have.” — Tim Mercer on scaling through government contracts
“See the glory, don’t know the story.” — Chapter title from Bootstrap Millionaire
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.