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 Cary Carbonaro.
A certified financial planner with 25+ years of experience, discusses her book Women and Wealth and her mission to empower women financially. The interview focuses on the growing economic power of women, systemic gaps in the financial industry, and the importance of financial planning and independence.
🎯 Purpose of the Interview 1. Empower Women Financially
Raise awareness about women’s role in the future of wealth ownership.
Encourage women to take control of their financial futures.
2. Highlight Industry Gaps
Expose how the financial services industry has historically underserved women.
Advocate for a more inclusive, “female-friendly” approach to financial planning.
3. Promote Financial Planning for Everyone
Emphasize that financial planning is not just for the wealthy.
Encourage proactive, long-term planning to achieve financial freedom.
🔑 Key Takeaways 1. Women Will Control the Majority of Wealth
By 2030, women are projected to control two-thirds of U.S. wealth (~$30 trillion).
👉 Lesson: The financial industry must adapt to serve a rapidly changing client base.
2. The Financial Industry Is Not Built for Women
Historically designed “by men for men.”
Many women feel unheard, misunderstood, or underserved.
👉 Lesson: Financial services must evolve in communication, empathy, and strategy.
3. Women Often Leave Financial Advisors
About 80% of women leave their financial advisor after a spouse dies. [
Reasons:
Lack of connection
Poor communication
Feeling excluded or pressured
👉 Lesson: Relationship-building and inclusion are critical in financial advising.
4. Financial Planning Is Essential for Everyone
Not just for the wealthy—everyone needs a roadmap.
Planning covers: Cash flow
Investments
Taxes
Insurance
Estate planning

👉 Lesson: A comprehensive plan aligns all aspects of your financial life.
5.“If You Fail to Plan, You Plan to Fail”
Financial success requires intentional planning.
Each person’s “financial freedom” looks different.
👉 Lesson: Define your goals and build a strategy to reach them.
6. Women Face a Significant Wealth Gap
Beyond the wage gap, women experience a**“wealth gap”** due to: Career interruptions
Caregiving responsibilities

This can cost women around $1 million over a lifetime. [
👉 Lesson: Structural and societal factors impact long-term wealth accumulation.
7. Financial Literacy Equals Power and Choice
Wealth gives options in lifestyle, career, and life decisions.
👉 Lesson: Money is not just income—it’s control over your life.
8. Women Often Seek Help Too Late
Many women consult financial advisors only after crises (death, divorce, job loss).
👉 Lesson: Proactive planning is far more effective than reactive decision-making.
9. Representation Matters in Finance
Only about 24% of certified financial planners are women. [
👉 Lesson: More female professionals are needed to better serve female clients.
10. Confidence & Visibility Drive Success
Carbonaro built her business by: Positioning herself as a financial expert for women
Speaking publicly and sharing her message
Staying authentic to her mission

👉 Lesson: Clear positioning and purpose attract the right audience.
💬 Notable Quotes On Wealth Shift
“By 2030, women are going to control two-thirds of the nation’s wealth.”
On Industry Gaps
“My industry… has been built by men for men.”
On Planning
“If you fail to plan, you plan to fail.” [
On Financial Independence
“Women should control their own destiny… money equals power.” [CARY CARBONARO | Txt]
On Advisor Relationships
“80% of women leave their financial advisor after a spouse dies.” [CARY CARBONARO | Txt]
On Life Impact of Wealth Gap
“That… over her lifetime costs her $1 million.” [
On Financial Timing
“Women call me when it’s raining… I want them to call when it’s sunny.” [
🧠 Bottom Line
This interview highlights a major societal and financial shift:
👉 Women are becoming the dominant force in wealth—but the system isn’t ready.
Carrie Carbonaro’s message:
Start planning early
Build financial literacy
Demand better service
Use wealth as a tool for independence and choice
#BEST
#STRAW
#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.
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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 Travis T. Wade.
A seasoned HR professional with over 25 years of corporate experience. His company THE GUARDIAN is a private security corporation with three separate divisions: Armed & Unarmed Uniformed Security Officers, Personal Protection, and Private Investigations. Serving the Georgia, Alabama and North Carolina states.
Their mission is to maintain a strict and unwavering code of ethics with our employees, clients and community; To provide the most qualified, dedicated and professional officers that represent both the client and THE GUARDIAN. And to establish and maintain the most effective security services available.
THE GUARDIAN is dedicated to providing the highest level of integrity available in the field of Security Management and Protective Services. We hire and train our people to be the most professional and qualified officers in the industry.
Talking Points.
1. The transition from the corporate world to entrepreneurship
2. Transitioning from NY to ATL
3. Current Company Guardian Security Management Inc.
4. Taking a company from a mom and pop operation to a corporation
5. Working with the competition
6. Operating multiple businesses
7. The importance of Human Resources for a small business
8. The transition from corporate to entrepreneurship
9. You company’s mission is to maintain a strict and unwavering code of ethics with your employees, clients and community;
10. To provide the most qualified, dedicated and professional officers that represent both the client and THE GUARDIAN.
11. And to establish and maintain the most effective security services available.
12. We hire and train our people to be the most professional and qualified officers in the industry.
13. Each work independently, supporting the other to provide our clients with a cohesive security program
a. Armed & Unarmed Uniformed Security Officers
b. Personal Protection
c. Private Investigations.
Most recently serving as the FVP Head of Human Resources at Carver Federal Savings Bank. Known for strategic leadership, Travis has excelled in developing and executing HR strategies aligned with organizational goals. His expertise spans succession planning, talent management, change management, organizational development, performance management, and compensation.
In his previous role, Travis led a team supporting 125 employees, demonstrating strategic partnership with division executives for effective workforce planning. He implemented a talent calibration process, fostering the identification and development of high potentials. Travis managed all aspects of HR, from recruiting to diversity initiatives, and redesigned the department to align with evolving business needs.
Travis’s impact extends to compensation, where he introduced incentive targets and designed innovative programs, including Management Equity Stock Award and Annual Incentive Programs. His commitment to culture management is evident through defining Core Values, enhancing company culture with workshops, and initiating recognition programs like the Carver Core Value awards and “Women’s in Business” Recognition program.
His dedication to employee development is reflected in the creation of the Leadership Pathways program, incorporating Graduate Leadership, Middle Management Leadership, and Diversity and Inclusion training. As Travis takes command of The Guardian Security Management, his wealth of experience and commitment to strategic HR leadership promise a positive impact on our organization.
Armed with a bachelor's in business administration from Queens College, Travis brings a solid educational foundation to his role.
His professional journey is marked by significant certifications, including Professional in Human Resource (PHR) and SHRM Certified Professional (SHRM-CP). These credentials underscore Travis’s commitment to excellence in the HR field, ensuring a high standard of expertise and best practices in his leadership.

#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 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.
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.

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
Support the show: https://www.steveharveyfm.com/
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