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/one transaction
💬 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
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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 Kelsey Nicole Nelson—award‑winning sports media personality, and entrepreneur. She joins Rushion McDonald to discuss her journey in sports journalism, entrepreneurship, branding, and building a successful multi‑hyphenate career. She details how she built her media presence from the DMV area, launched her branding and digital communications company, navigated a male‑dominated industry, and leveraged authenticity, work ethic, and strategic networking to grow both her journalism and business ventures.
🎯 Purpose of the Interview
The interview was designed to:
Highlight how Kelsey built a career in sports journalism, on‑air talent, content creation, and entrepreneurship.
Explore the creation and mission of her digital branding and communications company, KryptiaNN.
Provide guidance for aspiring journalists and entrepreneurs navigating today’s evolving media landscape.
Discuss the importance of authenticity, networking, representation, and strategic risk‑taking in developing a long‑term career.
🔑 Key Takeaways 1. Building a Media Career Starts with Identity, Roots & Confidence
Her upbringing in the DMV and her HBCU‑rich family culture shaped her early exposure to sports.
She emphasized being confident in spaces where representation is limited and carrying the responsibility of opening doors for others.
2. Entrepreneurship Grew Out of Demand for Her Skills
KryptiaNN was born when people repeatedly sought her help for branding, social media, and communications—and her tax professional advised formalizing it as an LLC.
The name “KryptiaNN” is a tribute to Black history, Egyptian culture, and her own branding identity.
3. Career Growth Comes from Work Ethic + Relationships + Visibility
She built her national profile after a podcast interview with LaVar Ball went viral, leading to coverage on major platforms.
Networking, showing up at events, and being active in the sports community helped her become a Heisman Trophy voter.
4. Journalism Today Requires Branding, Storytelling & Ethical Grounding
She teaches sports media at George Washington University and stresses ethics, objectivity, and authenticity.
She explained that today’s journalists must also be content creators, with employers evaluating social media presence as part of hiring.
5. Entrepreneurship Requires Client Base, Visual Branding & Courage
She advised new entrepreneurs to secure initial clients before launching.
Strong online visuals and consistent content creation are essential for credibility.
6. Relationship‑Building Matters in Athlete and Nonprofit Work
Working with athletes requires trust, knowledge of sport, and navigating personal brands.
A decade of nonprofit communications experience helped her develop the communications and relationship‑management skills that fuel her company today.
🗣️ Notable Quotes from the Interview On Career Confidence & Identity
“There’s never been a room I haven’t walked in with confidence… I own being a Black woman and love it.”
On Journalism
“There are two things no one can teach you—work ethic and passion.”
“Ethics means being unbiased, being objective… leaving your biases at the door.”
On Entrepreneurship
“Fear is always real… but the field called me into entrepreneurship.”
“You need to have some clientele—you don’t want to start entrepreneurship with your bank account negative.”.
On Branding & Social Media
“Brand yourself. Don’t think people are just going to come to you.”
“Have at least one piece of content posted every day.”
On Athletes & Image
“The first thing people do is look you up—your track record matters.”
“Some things you have to soak in silence and take the higher road.” (Discussing athlete PR mistakes).
On Her Purpose
“I’m driven by one word—legacy.”
#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 Alaysia Miller.
A certified nurse practitioner, travel nurse practitioner, and founder of NP Luxe CPR, a Florida-based CPR training company.
Alaysia discusses her journey from nurse to travel nurse practitioner, how frontline burnout pushed her into entrepreneurship, and why she launched a CPR education business. She explains the financial and lifestyle advantages of travel nursing, the importance of mentorship, the realities of entrepreneurship, and the major CPR survival gap in Black and underserved communities.
Rushion and Alaysia also dive into leadership, negotiating contracts, building a lucrative CPR business, and empowering community health through education.
🎯 Purpose of the Interview
The interview aims to:
1. Showcase a path to financial freedom through nursing entrepreneurship
By highlighting travel nurse contracting and CPR instruction as viable wealth‑building vehicles.
2. Highlight the importance of CPR education in underserved communities
Especially addressing the survival gap in Black communities due to low CPR literacy.
3. Encourage aspiring entrepreneurs—especially women and healthcare workers
By sharing Alaysia’s experiences with mentorship, confidence building, and launching a service-based business.
4. Educate listeners on the realities of entrepreneurship
Including time demands, imposter syndrome, and the need for consistency and proper pricing.
🔑 Key Takeaways 1. Travel Nurse Practitioners Have High Earning Potential
As a staff NP she would earn $100k per year, but as a travel NP she earned $100k in six months while gaining time freedom and flexibility.
Travel NP work is paid via 1099, opening the door to tax write-offs, investment flexibility, and entrepreneurial benefits.
2. Burnout Was the Catalyst for Change
Working six days a week during COVID and the pressure of commercialized urgent-care systems led to burnout, weight gain, and loss of self. This pushed Alaysia toward traveling, where she worked half the time for double the pay.
3. CPR Survival Rates Are Lower in Black & Underserved Communities
Alaysia explains that lack of exposure, knowledge, and basic emergency training leads to significantly lower cardiac survival rates in communities of color.
She addresses this through her nonprofit We Push Health, which brings CPR and medical education to rural and urban communities.
4. You Don’t Need to Reinvent the Wheel—Mentorship Is Key
She learned about mentorship in 2024 and emphasizes that mentors help you avoid costly mistakes and speed up your path.
“Find someone who is the ideal image of what you want to be and mimic what they do.”.
5. CPR Businesses Are Lucrative and Accessible
Almost every industry requires CPR certification:
Healthcare
Schools & daycares
Gyms
Police & fire departments
Hotels
Tattoo studios
These make CPR instruction a strong side hustle or full-time business, especially for healthcare professionals who already understand the material.
6. Entrepreneurship Requires Real Work
Alaysia breaks down the less glamorous side of building a business:
Imposter syndrome
The need for consistent marketing
Pricing confidently
Long hours initially
Learning branding, systems, and follow-up
“You only eat what you kill.”.
7. Communication and Adaptability Are Leadership Superpowers
Travel nursing requires walking into unfamiliar environments and leading without overpowering. She emphasizes:
Reading the room
Adjusting communication styles
Delegating the right way
Being assertive but team-oriented
“Adaptability is number one.”.
8. Negotiation Skills Changed Her Entire Career
She learned to stop undervaluing herself and start negotiating confidently:
First contract: underpriced
Second contract: raised rates dramatically
Uses supply‑and‑demand to justify price increases
“You miss 100% of the shots you never take.”.]
🗣️ Notable Quotes On Entrepreneurship
“If you know how to save a life, don’t you think you know how to run a business?”.
“You only eat what you kill.”.
On Burnout
“I lost myself giving it to a job.”.
On Community Health
“They can’t know what they don’t know.”
“Survival rates for cardiac arrest are significantly lower in communities of color because they lack access to basic emergency skills.”.
On Mentorship
“You don’t have to reinvent the wheel to be successful.”
“Find someone who is the ideal image of what you want to be.”.
On Negotiation
“What’s the worst they can say? No.”
#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 Natalie Southwell.
Founder and CEO of The Essence of a Woman, LLC, a female empowerment agency dedicated to helping high‑achieving women rise with confidence, courage, clarity, and faith-driven purpose.
The conversation explores:
How women can overcome fear, trauma, and misaligned life decisions
The role of faith, purpose, and intentionality in decision-making
Her frameworks: PAIN and REAL
Her personal journey to launching The Essence of a Woman
How she guides women across generations—including students, early professionals, mid-career women, and women 50+—toward alignment and leadership.
🎯 Purpose of the Interview
The purpose of the interview is to:
1. Introduce Natalie Southwell’s mission
Explain how The Essence of a Woman empowers women to overcome fear, reclaim purpose, and lead authentically.
2. Share actionable frameworks
She breaks down two of her signature models—PAIN and REAL—which guide women through decision-making, healing, and leadership growth.
3. Inspire women of all ages
Show that age should never limit someone’s potential and that clarity and alignment are always possible, whether you're 20 or 60.
4. Highlight the importance of faith + practicality
Natalie discusses how spiritual alignment and real‑world strategy work together, especially for women in STEM or male-dominated industries.
🔑 Key Takeaways 1. The “Essence” Comes From Understanding God’s Love
Natalie says women often pour into others so heavily that they forget their own value. Understanding divine love helps women set boundaries, avoid suffering in silence, and make aligned decisions.
2. Bad Decisions Create Pain—But Pain Teaches
Her PAIN Framework helps women pause and analyze decisions before they create negative consequences:
PAIN Framework
P – Pause and consider purpose
A – Analyze your options
I – Impact: What will this cost emotionally, spiritually, financially?
N – Necessity: Why now? Is there urgency?
Using this method prevents rash or misaligned choices.
3. Across All Ages, the Common Root Issue Is Fear
Whether she’s coaching:
women in their 20s entering the workforce,
women in their 30s–40s navigating career changes or relationships, or
women 50+ rediscovering purpose,
Natalie identifies fear as the universal obstacle—fear of failure, success, judgment, or making another “wrong” move.
4. Faith + Technology Can Coexist
As a woman with a STEM background, Natalie insists that spiritual guidance can align with analytical problem‑solving. She uses faith to prepare for board meetings, interviews, coding challenges, and leadership scenarios.
5. Listening to Life’s “Whispers” Prevents Misalignment
Much of her philosophy centers on avoiding the dangers of ignoring internal nudges—what she calls “heart whispers.”
Ignoring these whispers leads to regret, unnecessary pain, toxic relationships, and stalled careers.
Her book The Dangers of Ignoring Your Heart’s Whispers expands on this theme.
6. Her REAL Framework Helps Women Rebuild REAL Framework
R – Reset/Reclaim what was lost
E – Empower/Elevate
A – Align with purpose
L – Lead with authenticity
This is the roadmap she uses to guide women out of trauma cycles and into leadership.
7. Trauma Must Be Understood but Not Rehearsed
Natalie emphasizes that trauma is real—but staying in it (“rehearsing it”) hardens the heart and blocks growth.
Healing requires releasing the past and rewiring one’s mindset.
8. Her Personal Calling Came from a Divine Moment
In 2020, she heard God give her the name “The Essence of a Woman.”
Though she registered the business immediately, she admits she didn’t “hover” over the idea long enough to see the full vision—she later learned to follow God’s blueprint more closely.
🗣 Notable Quotes from the Interview
Here are some standout lines directly from the transcript:
On the meaning of “essence”:
“The essence is really the understanding of how much God loves you… when you understand how God loves you, that’s the essence.”
On pain:
“Anytime you make a bad decision today, it will affect your tomorrow and your future.”
On fear across generations:
“It’s the same root across every generation. The root is fear—fear of failure, fear of not being enough.”
On finding purpose after mistakes:
“You can’t change the past, but there is a path forward. You have to rewire your mind.”
On age and purpose:
“Every day we wake up, we have an opportunity to stir up the gifts.”
On listening to whispers:
“We are often given promptings to do or not do certain things—whispers. But we ignore them.”
📘 Natalie’s Current and Future Work
Current book: The Dangers of Ignoring Your Heart’s Whispers
Next book: In development (referenced but not named)
Continues expanding her empowerment programs and corporate coaching initiatives
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
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