Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jeff Cade. 

Purpose of the Interview

The interview aims to inspire listeners—entrepreneurs, small business owners, and individuals—about the importance of health and wellness in achieving personal and professional success. It introduces Jeff Cade’s 360 Health and Wellness Network, which focuses on mindset, diet, and exercise as pillars for a holistic lifestyle.

Key Takeaways

1. Health and Wealth Connection

   • Wealth cannot buy health; longevity depends on lifestyle choices.
   • Self-care is essential for sustaining business success and personal well-being.

2. Jeff Cade’s Background & Motivation

   • Over 15 years in health and wellness, with experience in hospitality and healthcare.
   • Personal tragedy: lost both parents to cancer, which fueled his mission.
   • Author of Battleground Cancer to educate on mental, physical, and spiritual resilience.

3. Core Philosophy

   • “Take food as medicine, not medicine as food.”
   • Three pillars: Mindset, Diet, Exercise—you can’t have one without the others.
   • Advocates plant-based diets, hydration, and mindfulness practices.

4. Actionable Advice

   • Know your body and listen to its signals.
   • Reduce sugar and processed foods; crowd out unhealthy items with colorful plates.
   • Use affirmations: “I am healed, healthy, happy.”
   • Transformation is incremental: start with 30-, 45-, or 90-day goals.
   • Stress management is critical—stress kills and triggers unhealthy habits.

5. Programs & Engagement

   • Offers personalized coaching and programs via JeffK360.com.
   • Focus on accountability partnerships and individualized plans.

Notable Quotes

• On transformation:
  “What you don’t change, you choose.”
• On health and success:
  “Self-care is the new health care.”
• On mindset:
  “I am healed, I am healthy, I am happy.”
• On accountability:
  “If it’s to be, it’s up to me.”
• On purpose:
  “You can’t serve others if you don’t serve yourself first.”

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed, Annie Yatch. 

A leadership and performance coach specializing in helping high-achieving entrepreneurs balance business growth with personal fulfillment. The discussion focused on leadership, relationships, and overcoming subconscious barriers to success.

🔑 Key Themes & Highlights

Balancing Business & Personal Life

• Yatch helps ambitious entrepreneurs struggling to balance home life and business growth.
• She emphasized that success at work doesn’t mean sacrificing relationships—leaders must redefine their roles at home.

The Importance of Transition Time

• Many entrepreneurs struggle to switch from work mode to home life, leading to stress in relationships.
• Yatch recommends a 30-minute decompression routine before entering the home, including:
  • Writing down lingering work concerns.
  • Engaging in a mindless activity like listening to music.
  • Reflecting on positive memories with loved ones to shift emotional energy.

Leadership Gaps in Entrepreneurs

• Yatch identified three major leadership gaps that hold entrepreneurs back:
  1. Delegation – Many leaders struggle to trust their teams, leading to micromanagement.
  2. Feedback – Entrepreneurs must learn to give and receive feedback effectively without defensiveness.
  3. Planning – Businesses often fail to plan for obstacles, focusing only on ideal scenarios.

Trauma & Entrepreneurial Success

• Yatch explained that many entrepreneurs have unresolved childhood trauma, leading them to create chaos in business as a way to regain control.
• She emphasized that stability at home is crucial for scaling a business successfully.

📘 About Annie Yatch
Annie Yatch is a team leadership and performance coach, specializing in helping entrepreneurs unlock their full potential. She is the founder of Northstar Leadership, a company dedicated to helping high-achieving men redefine leadership at home and in business. 

#AMI

#BEST

#STRAW

#SHMS

 

 

 

 

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Travis T. Wade.

CEO of The Guardian, a private security corporation. The discussion focused on hiring the right people, leadership strategies, and the importance of HR in business success.

🔑 Key Themes & Highlights

The Importance of HR in Hiring

• Wade emphasized that HR is the backbone of any business, ensuring the right people are hired and retained.
• He shared insights on how HR principles translate into building a strong security team.

Finding the Right Employees

• The Guardian uses a conversational interview approach rather than traditional questioning.
• Wade believes that getting candidates comfortable reveals their true personality, helping assess their suitability for security roles.

Key Traits for Security Professionals

• Patience is the most important quality—impatient candidates are not a good fit for security work.
• Security officers must be calm, observant, and able to de-escalate situations rather than react impulsively.

Reducing Employee Turnover

• Wade stressed that treating employees well after hiring is just as important as selecting the right candidates.
• He shared strategies for lowering turnover by fostering a supportive work environment.

📘 About Travis T. Wade & The Guardian
Travis T. Wade is a seasoned HR professional with over 25 years of corporate experience. His company, The Guardian, operates in Georgia, Alabama, and North Carolina, providing armed and unarmed security, personal protection, and private investigations.

#BEST

#STRAW

#SHMS

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Bisa Lewis.  

🎯 Purpose of the Interview

To spotlight the challenges and opportunities within the teaching profession, especially post-COVID, and to empower educators to leverage their skills for financial growth beyond the classroom. Dr. Besa shares her journey, insights, and strategies for educators to supplement their income while maintaining their passion for teaching.

🗝️ Key Takeaways 1. Educators Are Undervalued Yet Essential

• Teachers are underpaid and often disrespected despite their critical role in shaping future generations.
• COVID briefly highlighted their importance, but systemic undervaluation persists.

2. Mental Wellness and Structure Matter

• Dr. Bisa emphasizes morning meditation, prayer, and silence to manage stress and set the tone for her day.
• She avoids early meetings and uses Mondays and Fridays for planning and reflection.

3. Education Credentials Open Doors

• Dr. Bisa holds four degrees and explains that credentials often determine access to influential spaces.
• Degrees help gain respect and credibility, especially in leadership and public speaking roles.

4. The Paid Method for Educators

Dr. Besa developed the PAID Method to help educators monetize their skills:

• P – Prospects: Who will pay for your skills?
• A – Allies: Who can support your journey?
• I – Information: What do you need to know?
• D – Dollars: How much can you earn?

5. Teachers Can Earn Beyond the Classroom

• Through coaching, curriculum development, speaking engagements, and grant writing.
• Dr. Bisa’s curriculum is used in 30 states, showcasing how educators can scale their expertise.

6. AI and Education

• AI should be embraced, not feared.
• It won’t replace teachers but will transform education by shifting focus from theory to practice.
• Educators must adapt and use technology to enhance learning and remain competitive.

7. Cultural and Economic Empowerment

• Dr. Bisa advocates for Black educators and communities to overcome systemic barriers by embracing innovation.
• She warns against fear-based resistance to technology and encourages strategic adoption.

💬 Notable Quotes

• “It’s time to stop reading other people’s success stories and start living your own.” – Rushion McDonald
• “Sometimes those papers just help you get in the room.” – Dr. Bisa
• “Stop being afraid, stop being oppressed, and make sure that whatever comes out, you figure out how you can use it.” – Dr. Bisa
• “Guide learning. That is what we should do.” – Dr. Bisa
• “Consistency is what people gain trust in.” – Rushion McDonald

🌐 Resources Mentioned

• Website: DrBisa.com
• Podcast: The Paid Educator Podcast
• Social Media: Consistent handles across platforms under “DrBisa”

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

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

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Maxine Cain. 

Founder of STEM Atlanta Women, joins Money Making Conversations Masterclass to discuss her mission to increase diversity in science, technology, engineering, and math (STEM) fields. She shares insights on how her organization bridges gaps for Black and Brown women in underserved communities and creates career pathways.

🔑 Key Themes & Highlights

1. Origins of STEM Atlanta Women

   • Founded in 2016, the organization was inspired by Maxine’s challenges as an HR leader in a Fortune 500 company, where recruiting women of color into innovation roles was difficult.
   • She recognized a lack of representation and cultural barriers that discouraged women from entering STEM careers.
   • Her background in corporate event planning and business development helped her secure sponsorships for STEM-focused initiatives.

2. Summerhill Community Hub

   • The organization operates out of a two-story loft space in Summerhill, Atlanta, a historically underserved community.
   • Summerhill lacked essential resources, including a bank and grocery store, for over 60 years.
   • Partnered with Carter Development, which helped provide space for STEM education and community programming.

3. STEM Education & Outreach

   • Works closely with local schools, including King Middle School, Carver Early College, Maynard Jackson High School, and Georgia State University.
   • Runs programs designed to introduce young girls to STEM careers, helping them build confidence and skills early.

4. Annual STEM Events

   • STEMinist Ball celebrates young women excelling in STEM fields by awarding crystal trophies, certificates, and graduation cords at a black-tie event.
   • STEM in the City is an afterschool program that exposes students to emerging technologies, including artificial intelligence, cybersecurity, drone technology, and flavor science with Coca-Cola.
   • Collaborated with Usher’s New Look Foundation and IBM to introduce artificial intelligence concepts to students.

5. College & Workforce Development

   • Partners with Clark Atlanta University and Emory University to provide certification programs in business intelligence and emerging technology.
   • Works with major corporations to create career pathways for Black talent.
   • Helps underserved individuals gain industry-recognized certifications for high-paying tech jobs.

6. Vision & Impact

   • Maxine started STEM Atlanta Women to create opportunities for young women who lacked access to STEM education.
   • She emphasizes mentorship, representation, and hands-on learning to help future leaders navigate STEM careers.

📘 Resources & Contact Information
Dr. Maxine Cain’s work is accessible through:
🔗 Website: STEM Atlanta Women
🔗 Social Media: @STEMAtlantaWomen

 

#BEST

#STRAW

#SHMS

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rebecca Jarvis.

📝 Summary of the Interview

Rebecca Jarvis, Emmy Award-winning journalist and ABC News Chief Business, Technology, and Economics Correspondent, joined Rushion McDonald to discuss her ABC News Original documentary on the GameStop stock phenomenon. The interview explored her career journey from finance to journalism, the mechanics and implications of the GameStop surge, the role of apps like Robinhood, and the broader lessons about investing and financial literacy. Jarvis emphasized the importance of understanding market dynamics, the risks of single-stock investing, and the power of storytelling in educating the public.

🎯 Purpose of the Interview

• To highlight the GameStop stock surge and its impact on everyday investors.
• To explain the financial mechanics behind trading apps like Robinhood.
• To share Rebecca Jarvis’s career path and insights into journalism and finance.
• To promote financial literacy and responsible investing.
• To showcase the ABC News Original documentary and its human-centered storytelling.

🔑 Key Takeaways 1. Rebecca Jarvis’s Career Path

• Studied economics at the University of Chicago.
• Started in investment banking to pay off student loans before transitioning to journalism.
• Cold-called editors and pitched finance-based stories to break into media.

2. GameStop Stock Phenomenon

• GameStop’s stock surged from ~$4 to $350 due to social media hype, especially on Reddit.
• Influencers like Roaring Kitty (Keith Gill) played a key role in rallying retail investors.
• The event revealed how collective action by small investors can disrupt Wall Street norms.

3. Robinhood’s Role and Controversy

• Robinhood allowed easy access to trading but faced a collateral call due to high trading volume.
• Restricted buying of GameStop, causing public backlash.
• Despite controversy, Robinhood’s user base grew, and it remains a major player in retail investing.

4. Risks of Single-Stock Investing

• Investing in individual stocks is akin to gambling—high risk, high reward.
• Long-term investing in diversified portfolios (e.g., 401(k), IRA) is more stable and proven.
• Leverage (borrowing to invest) can amplify gains but also magnify losses.

5. Human-Centered Storytelling

• The documentary featured diverse investors: a 10-year-old, a new parent, anonymous traders, and more.
• These stories illustrated the emotional and financial motivations behind investing.
• Jarvis emphasized the importance of representation and relatability in financial reporting.

6. Historical Parallels

• The GameStop surge echoed past financial bubbles (e.g., dot-com era, 2008 crisis).
• Technology changes, but human behavior in markets remains consistent.

7. Financial Literacy and Empowerment

• Jarvis advocates for teaching kids about investing through familiar brands.
• Quote: “Invest in what you know.”
• Encourages people to ask questions, seek mentorship, and take initiative in learning finance.

💬 Notable Quotes

• “Anytime you put money into a single stock, it is the equivalent of betting.”
• “Robinhood became the poster child for all the anger and outrage.”
• “It only takes one person to return your call to change your career.”
• “This moment gave GameStop a second life.”
• “We see these things happening over and over again… history repeats itself.”

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Steve Selengut.

Also known as The Income Coach. Here's a detailed summary of the episode:

🎙️ Guest: Steve Selengut

• Veteran private investment manager with over 40 years of experience.
• Author of Retirement Money Secrets, his second book.
• Focuses on helping people achieve income independence through smart investing.
• Runs an educational income investing community.

📘 About the Book: Retirement Money Secrets

• Written as a conversational story about a couple on a river cruise who learn about a different approach to retirement investing.
• Emphasizes common sense financial strategies over complex jargon.
• Focuses on closed-end funds as a key investment tool.

💡 Key Concepts Discussed 🔒 Closed-End Funds (CEFs)

• One of the oldest investment vehicles, dating back to the 1800s.
• Structured as pass-through trusts that must return 95% of earnings to shareholders.
• Focused on income generation rather than capital appreciation.
• Can invest in stocks, bonds, mutual funds, and ETFs.

🔥 FIRE Movement

• Stands for Financial Independence, Retire Early.
• Steve aligns more with generating sustainable income than early retirement per se.

🎯 Income Independence

• The goal is to generate enough income from investments to replace employment income.
• Allows flexibility to retire, start a business, or pursue other passions.

🛡️ The Four Risk Minimizers

1. Quality: Invest only in what you understand and in companies with a proven track record.
2. Diversification: Spread investments across sectors, geographies, and management firms.
3. Income: Only invest in securities that pay dividends or interest.
4. Profit-Taking Discipline: Set target profits (e.g., 5%) and sell when reached, reinvesting gains.

💬 Common Sense Investing Tips

• Buy stocks in companies you use or understand (e.g., Home Depot, Apple, Chipotle).
• Use tools like Yahoo Finance or CEFConnect.com to research dividend history and fund performance.
• Avoid speculative or zero-income investments.
• Treat your portfolio like a retail store—sell when profitable and restock wisely.

🌐 Connect with Steve Selengut

• Available on Facebook and LinkedIn.
• Offers access to an educational investing community with 450+ members.
• Book includes full contact details and resources.

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sierra Morgan.

Founder of Rose HR and newly crowned Miss Maryland Corporate America, joins Money Making Conversations Masterclass to discuss her work in HR consulting, caregiving advocacy, and workplace wellness. She shares insights on balancing entrepreneurship, corporate leadership, and her passion for supporting caregivers.

🔑 Key Themes & Highlights

1. Miss Maryland Corporate America & Advocacy

   • Cierra entered the competition to elevate her platform, focusing on caregiving awareness and employee wellness.
   • Corporate America’s mission aligns with her goal of empowering businesswomen beyond beauty, emphasizing leadership and workplace well-being.

2. Entrepreneurship & HR Leadership

   • Founder of Rose HR, a consulting firm helping organizations develop flexible work policies, wellness programs, and caregiving support systems.
   • Works full-time as an HR executive for a nonprofit, balancing multiple roles.
   • Encourages small business owners to invest in HR early to avoid costly mistakes, such as legal issues, lack of structured hiring, and workplace conflicts.

3. Caregiving & Workplace Policies

   • With 15+ years of caregiving experience, Cierra advocates for better corporate policies supporting family caregivers.
   • Expanded her HR consulting to offer caregiving coaching, helping families navigate resources and long-term planning.
   • Highlights the financial and emotional toll of caregiving, including background checks, trust-building, and caregiver burnout.

4. Mental & Emotional Impact of Caregiving

   • Many caregivers experience guilt, burnout, and emotional exhaustion due to balancing work and personal responsibilities.
   • Therapy, self-care, and community support are essential for managing the pressures of caregiving.
   • Stresses the need for workplace awareness and flexible policies to accommodate employees in caregiving roles.

5. HR Best Practices for Business Owners

   • Small businesses often undervalue HR until legal issues arise—recommends having a lawyer, accountant, and HR consultant from the start.
   • Advises entrepreneurs to properly structure hiring processes, create employee handbooks, and implement leadership development programs.
   • Helps business owners understand salary expectations, job structuring, and competitive benefits packages.

6. Future Projects & Legacy

   • Launching Caregiving Compass Academy to provide coaching for family caregivers.
   • Continues advocacy through her nonprofit work supporting literacy, arts, and youth empowerment.
   • Hosts podcast "The Bottom Line Is", discussing topics such as relationships, workplace success, and caregiving insights.

📘 Resources & Contact Information
Sierra Morgan’s work is accessible through:
🔗 Website: Rose HR
🔗 Social Media: @CCTheDiva
🔗 Podcast: The Bottom Line Is (Spotify, Apple Podcasts, YouTube)

#BEST

#STRAW

#SHMS

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Erica Gwyn.  

🎙️ Interview Summary: Erica Gwyn on Money Making Conversations Masterclass Purpose of the Interview

To spotlight Erica Gwyn’s journey as a faith-driven entrepreneur, her work with nonprofits through her company Nonprofit Guru LLC, and her educational initiatives including Seven Oaks Academy Montessori. The interview aims to inspire listeners by sharing Erica’s story of resilience, leadership, and community impact, while offering practical advice for nonprofit founders and small business owners.

🧭 Interview Outline 1. Introduction

• Host Rushion McDonald introduces the show and its mission to inspire and educate entrepreneurs.
• Erica Gwyn is welcomed as the founder and CEO of Nonprofit Guru LLC and Seven Oaks Academy Montessori.

2. Background & Career Journey

• Erica shares her early experiences, including working with Spelman College and Habitat for Humanity.
• She discusses her expertise in grant writing and nonprofit management.

3. Nonprofit Guru LLC

• Origin of the name “Nonprofit Guru” from her cousin, an attorney.
• Focuses on helping nonprofits with fundraising, board development, and strategy.
• Works with organizations that have at least \$300,000 in revenue and an existing board.

4. Common Mistakes in Nonprofit Startups

• Placing unqualified family members on boards.
• Lack of understanding of board responsibilities, especially fundraising.
• Over-reliance on grants without diversifying funding sources.

5. Board Development Advice

• Ideal board size: 5–7 members to avoid deadlocks.
• Seek members with legal, accounting, program design, and volunteer coordination expertise.
• Importance of board training programs like United Way’s VIP program.

6. Faith-Driven Entrepreneurship

• Erica shares her personal story of becoming a single mother at 19 and losing her child’s father.
• Her journey of healing through service and community involvement.

7. Seven Oaks Academy Montessori

• Purchased an existing preschool and transformed it into a boutique Montessori school.
• Focus on cradle-to-pre-K education with plans to expand after-school and summer programs.
• Offers unique features: professional chef, small class sizes, diverse staff, on-site therapy, and classroom cameras for parental viewing.

8. Summer Camp & Educational Expansion

• Originated from a math and science summer camp inspired by her son Cameron.
• Plans to revive the camp and expand educational offerings.
• Emphasis on creating a cradle-to-college pipeline for students.

9. Marketing & Branding

• Erica acknowledges the need to improve her visibility and branding.
• Encouraged by Rushion to relaunch her website and promote her services more actively.

💡 Key Takeaways

• Authenticity & Expertise Matter: Erica’s credibility stems from her hands-on experience and passion for nonprofit work.
• Board Composition is Crucial: A well-trained, committed board is essential for nonprofit success.
• Diversify Funding Sources: Don’t rely solely on grants—explore individual giving, estate planning, and in-kind donations.
• Faith & Purpose Drive Success: Erica’s personal challenges fueled her commitment to community service and entrepreneurship.
• Education is Empowerment: Her Montessori school and summer camps aim to provide foundational learning and long-term academic success.
• Marketing is Essential: Visibility and branding are key to expanding impact and reaching the right audience.

🗣️ Notable Quotes

• “You’re a nonprofit guru—you know nonprofits in your sleep.”
• “Your board’s primary job is to be a fundraiser.”
• “I’m a faith-driven entrepreneur. I walk in my purpose and that is a gift.”
• “Community means accepting and respecting people and organizations working together in an ecosystem.”
• “I started giving back to others, and I loved it. I’ve never known how to turn it off.”
• “You have a glow about you… you are a superpower.”

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.