The Steve Harvey Morning Show

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 Amplify, 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 Amplify
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. Amplify 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.”
“Amplify is the movement. It just has my DNA.”
#SHMS #STRAW #BEST
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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
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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
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Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Crystal Victoria.
🎯 Purpose of the Interview
The interview aims to:
Showcase Crystal Victoria’s work in youth entrepreneurship through her nonprofit Target Evolution, Inc.
Promote the Teen Biz Box, a hands-on business starter kit for kids.
Inspire parents, educators, and community leaders to support alternative career paths for youth.
Share Crystal’s personal journey from juvenile detention to becoming an author and entrepreneur.
🔑 Key Takeaways 1. Empowering Youth Through Entrepreneurship
Target Evolution trains youth ages 8 to 18 to earn money and gain real-world experience.
Programs include retail and culinary entrepreneurship, with plans to expand nationally starting in Dallas and Houston.
2. Teen Biz Box: A Practical Solution
A $100 kit that includes everything a child needs to start a small business.
Three product options: Friendship Bracelets, Craft Notebooks, and Ceramic Coasters.
Kids can earn up to \$150–\$200 per box by selling customized products.
3. Alternative Pathways Matter
Not all kids are tech-focused or college-bound.
Entrepreneurship teaches soft skills like communication, customer service, and resilience.
Victoria emphasizes the importance of in-person interaction over purely digital business models.
4. Personal Story of Redemption
Crystal shares her background of being in and out of juvenile detention.
Entrepreneurship gave her purpose and a way out of street life.
Her journey is a testament to the power of second chances and vision-driven leadership.
5. Preparing for the Future of Work
With AI and automation changing job markets, reskilling and adaptability are key.
Entrepreneurship offers a mindset shift that prepares youth for career transitions every 3–5 years.
🗣️ Notable Quotes
On youth entrepreneurship:
“An app will never replace food and eating. We need programs for culinary and hospitality entrepreneurs.”

On her personal journey:
“I didn’t have a Teen Biz Box. I had trouble. But I prayed to God: ‘Give me something to do with this story.’”

On accessibility:
“Some kids don’t have bootstraps to pull themselves up. Let’s slide down the ladder and help them climb.”

On the Teen Biz Box:
“Before you spend $1,000 on your kid’s business idea, give them a box. If they sell everything, maybe they’re serious.”

On preparing for the future:
“Long gone are the days of one career for life. Learning, unlearning, and reskilling is the new normal.”

📦 Teen Biz Box Highlights
Contents: Product inventory, art supplies, business cards, signage, and educational materials
Website: TeenBizBox.com
Target Age: 8–18
Goal: Teach entrepreneurship, communication, and self-reliance
#SHMS #STRAW #BEST
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The Steve Harvey Morning Show for Thursday, February 5th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Adoption Agency" | Ask The CLO | Entertainment News | Steve Harvey's Voicemail - Plantains | Steve Harvey's Voicemail - Super Bowl | Nephew Tommy's Prank - "I Wanna Date Yo Mama" | Strawberry Letter - "My Honey & My Husband Are Friends" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Frozen Wild Iguanas In Florida | Would You Rather | Steve Harvey's Closing Remarks
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