Best of The Steve Harvey Morning Show

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

See omnystudio.com/listener for privacy information.

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

See omnystudio.com/listener for privacy information.

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

See omnystudio.com/listener for privacy information.

Steve Harvey Morning Show Online: http://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 Whitney Knox Lee.

🎙️ Interview Summary

Guest: Attorney Whitney Knox Lee (Estate Planning Attorney)
Host: Rushion McDonald
Show: Money Making Conversations Masterclass

Whitney Knox Lee explains estate planning as a holistic “legacy strategy”—not just drafting wills, but protecting assets, ensuring financial continuity, and empowering families (especially Black and Brown communities) to retain and transfer wealth effectively.

She breaks down how tools like wills, trusts, life insurance, and powers of attorney work together to help individuals maintain control of their assets during life and after death, while avoiding unnecessary costs, taxes, and legal complications.

🎯 Purpose of the Interview

• Educate listeners on estate planning basics and importance
• Encourage proactive legacy-building across all income levels
• Demystify legal tools (wills, trusts, probate, powers of attorney)
• Highlight wealth preservation in underserved communities
• Provide actionable steps for entrepreneurs and families alike

🔑 Key Takeaways 1. Estate Planning Is More Than a Will

• A will is only one piece of a broader strategy.
• Full estate planning includes:
  • Trusts
  • Powers of attorney
  • Insurance
  • Asset management strategy

“A will is part of an estate plan, but it is not the estate plan.” [Whitney Kn...dcast) (2) | Txt]

2. Probate Can Drain Wealth

• Probate is a court-supervised process that:
  • Costs money (legal + court fees)
  • Takes time
  • Can create family conflict
• Even with a will, probate often still applies.

“You can easily spend $800–$900 just getting the case in court.” [Whitney Kn...dcast) (2) | Txt]

3. Trusts Help Avoid Court and Preserve Control

• Trusts can:
  • Bypass probate entirely
  • Protect assets after death
  • Reduce delays and disputes
• They offer greater long-term control than wills.

“A trust allows families to bypass probate altogether.” [Whitney Kn...dcast) (2) | Txt]

4. Life Insurance Is a Critical Wealth Tool

• Used to:
  • Pay off debts (e.g., mortgage)
  • Provide liquidity to families
  • Maintain lifestyle after death

“Life insurance is a huge part of estate planning…not only building your legacy but protecting it.” [Whitney Kn...dcast) (2) | Txt]

5. Planning Should Start Early (Even at 18)

• Estate planning is not just for the wealthy or elderly.
• Even young adults need:
  • Medical decision documents
  • Financial access protections

“You can start when you’re 18.” [Whitney Kn...dcast) (2) | Txt]

6. Entrepreneurs Must Protect Income Streams

Critical tools include:

• Financial powers of attorney
• Operating agreements / buy-sell agreements
• Key person (key man) insurance

“If you can’t manage your business, somebody else can.” [Whitney Kn...dcast) (2) | Txt]

7. Communication Is Part of Legacy

• Planning isn’t just legal—it’s relational
• Families must understand:
  • What assets exist
  • How to manage them
  • Who is responsible

“It’s not just about leaving the stuff, but communicating…what to do with it.” [Whitney Kn...dcast) (2) | Txt]

8. Special Considerations for Disability & Aging

• Improper inheritance can cause people to lose government benefits
• Planning must account for:
  • Medicaid eligibility
  • Long-term care costs

9. Cultural & Social Mission

• Whitney centers her work on Black women and families
• Focus: building generational wealth and correcting systemic gaps

“I love working with Black women…they are the backbone of our society.” [Whitney Kn...dcast) (2) | Txt]

10. Estate Planning = Empowerment

• It protects dignity, wealth, and family stability
• Prevents loss of assets through:
  • Taxes
  • Legal fees
  • Confusion

“Estate planning is a wealth preservation and empowerment strategy.” [Whitney Kn...dcast) (2) | Txt]

💬 Notable Quotes On legacy and control:

• “Keep control of your legacy long after you are gone.” [Whitney Kn...dcast) (2) | Txt]

On preparation:

• “We know that we will pass away. We don’t know when.” [Whitney Kn...dcast) (2) | Txt]

On financial loss without planning:

• “Avoid losing it to court costs, taxes and confusion.” [Whitney Kn...dcast) (2) | Txt]

On responsibility:

• “There’s a degree of honesty we gotta have with ourselves.” [Whitney Kn...dcast) (2) | Txt]

On purpose and mission:

• “I want to rest well…staying steadfast in my commitments to the people that I love.” [Whitney Kn...dcast) (2) | Txt]

✅ Bottom Line

This interview positions estate planning as a necessary, strategic, and empowering tool—not just for the wealthy, but for anyone who wants to protect their family, control their legacy, and build generational wealth.

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://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 Sahra S. Halpern.

🎙️ Interview Summary

Guest: Sahra S. Halpern (President & CEO, Business Consortium Fund – BCF)
Host: Rushion McDonald
Show: Money Making Conversations Masterclass

Sahra Halpern explains the role of Community Development Financial Institutions (CDFIs) like BCF in helping small businesses—especially those underserved by traditional banks—access capital, grow sustainably, and participate in the broader economy.

The conversation highlights how BCF acts as a bridge between rejected borrowers and mainstream financial systems, offering loans, guidance, and long-term support to entrepreneurs navigating economic challenges.

🎯 Purpose of the Interview

• Educate entrepreneurs on alternative funding options beyond banks
• Raise awareness of CDFIs and their role in economic development
• Help small businesses become “capital ready”
• Warn against predatory lending (e.g., merchant cash advances)
• Promote financial empowerment and sustainable business growth

🔑 Key Takeaways 1. CDFIs Fill the Gap Left by Traditional Banks

• Many small businesses are denied bank loans due to strict requirements.
• BCF steps in to provide mission-driven lending.

“We are here for the small business owner who walked into a bank… and got told no.” [Sahra S. H...dcast) (1) | Txt]

2. “Capital Ready” vs. “Capital Curious”

• Many entrepreneurs are not fully prepared for funding.
• BCF helps businesses transition from:
  • Capital curious → needing money
  • Capital ready → qualified and structured to receive it

“They know they need capital… but they haven’t set themselves up yet to be capital ready.” [Sahra S. H...dcast) (1) | Txt]

3. BCF Takes a Holistic View of Entrepreneurs

• Unlike banks, BCF evaluates:
  • Experience
  • Resilience
  • Business potential
• Not just credit scores or financials.

“We’re looking at you as a full entity… what you’ve overcome.” [Sahra S. H...dcast) (1) | Txt]

4. BCF Acts as a Bridge to Traditional Financing

• Businesses can:
  1. Start with BCF
  2. Build credit and performance
  3. Return to banks for larger loans

“We are the bridge between where the business is today and where the opportunity is.” [Sahra S. H...dcast) (1) | Txt]

5. Small Businesses Strengthen the Entire Economy

• Supporting entrepreneurs:
  • Creates jobs
  • Builds supply chains
  • Strengthens corporations and communities

“When small businesses succeed… the entire economy benefits.” [Sahra S. H...dcast) (1) | Txt]

6. Predatory Lending Is a Major Risk

• Merchant Cash Advances (MCAs):
  • Provide quick cash
  • Carry very high costs
  • Can trap businesses in debt

“You can get cash in three days… walk away from that person.” [Sahra S. H...dcast) (1) | Txt]

7. BCF Provides Solutions for Financial Distress

• Helps refinance harmful debt
• Example:
  • Entrepreneur hit with $800K tariffs
  • Took on $1.2M high-interest debt
  • BCF restructured it into a manageable loan

8. SBA vs. CDFI Differences

• SBA:
  • Government-controlled, policy-dependent
  • Stricter and less flexible
• BCF:
  • Nonprofit, mission-driven
  • Flexible, relationship-based

“The SBA changes depending on who is leading the government.” [Sahra S. H...dcast) (1) | Txt]

9. Entrepreneurs Must Compare Funding Options

• Businesses should evaluate:
  • Interest rates
  • Terms
  • Control of capital
• Avoid rushed decisions.

“You need to be the chooser… make the best decision.” [Sahra S. H...dcast) (1) | Txt]

10. Relationships Matter in Business Financing

• Trust and long-term partnerships are key.
• BCF builds ongoing support systems, not just transactions.

💬 Notable Quotes On mission:

• “It’s a matter of economic security… we are strengthening the American economy.” [Sahra S. H...dcast) (1) | Txt]

On opportunity:

• “That was not the end of your road—that’s where we come in.” [Sahra S. H...dcast) (1) | Txt]

On lending philosophy:

• “Banks will look at the negative—BCF will look at the positive.” [Sahra S. H...dcast) (1) | Txt]

On predatory loans:

• “Walk away… they’re providing capital at a very high cost.” [Sahra S. H...dcast) (1) | Txt]

On empowerment:

• “You want to have the power in your hands to make the best decision.” [Sahra S. H...dcast) (1) | Txt]

On impact:

• “Nothing makes me happier than seeing these clients succeed.” [Sahra S. H...dcast) (1) | Txt]

✅ Bottom Line

This interview positions BCF and CDFIs as critical enablers of small business success, especially for underserved entrepreneurs. The key message: access to capital is not just about money—it’s about preparation, relationships, and choosing the right financial partners to build sustainable growth.

#BEST #SHMS #STRAW

Steve Harvey Morning Show Online: http://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 Stacey Gholar.  

🔹 Summary of the Interview

Stacey Gholar, founder of Bloom Creative Agency, shares her journey from being a young mother in Chicago to becoming a brand strategist and creative entrepreneur with over 20 years of experience in marketing, media, and business. She emphasizes the importance of aligning personal identity with brand strategy, especially in the digital age. Stacey discusses her approach to brand audits, the role of social media, the impact of AI, and her passion for empowering women through entrepreneurship and skincare.

🔹 Key Takeaways 1. What Is a Brand Strategist?

• A brand strategist helps individuals and businesses define and articulate their brand clearly.
• “You are the brand, but you have to put the brand together in a way that people can articulate what you do.”

2. Social Media Strategy

• Stacey conducts social media audits to ensure alignment between personal and business branding.
• She recommends having separate personal and business accounts, but acknowledges blending them when appropriate.

3. Discovery Process

• Her process starts with a discovery call to understand the client’s “why” and goals.
• She believes passion must drive entrepreneurship—not just money.

4. Digital Branding & AI

• Stacey identifies as a digital brand specialist, helping Gen X women and others pivot into digital spaces.
• She uses AI tools like ChatGPT and Google Gemini to enhance productivity but values human connection.
• “AI is an asset… but I don’t solely rely on it.”

5. Email Marketing

• Email is still vital: “If you're solely on social media, you can lose your business in a minute.”
• She advocates for funnel systems and community building outside of social platforms.

6. Going Viral vs. Being Valuable

• “You don’t need to go viral. You just need to be valuable.”
• She went viral unintentionally with a review of Harold’s Chicken, but stresses the importance of sustainable value over fleeting attention.

7. Brand Refresh & Outreach

• Most of her clients come through word of mouth, but she’s expanding her reach via social media.
• She encourages clients to step out of their comfort zones and engage in community-driven initiatives.

8. Skincare Line

• Stacey founded Skin Light Skincare at age 50 to promote pro-aging and natural beauty.
• She now focuses on organic body oils that are clean, hydrating, and hormone-safe.

🔹 Notable Quotes

• “Experience has been the best teacher for me.”
• “You don’t need to go viral. You just need to be valuable.”
• “If you stop learning, you stop growing.”
• “I want you to be a part of building your brand—not just me doing it for you.”
• “Social media is great, but word of mouth is still real.”

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://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

Steve Harvey Morning Show Online: http://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.

🔷 Interview Summary

Todd Kroupa, a former firefighter turned top-performing real estate agent (No. 1 in Georgia, nearly $1B in lifetime sales), shares his journey of career transition, entrepreneurship, and success in real estate. [TODD KROUPA iHeart | Txt]

The interview covers:

• Leaving a stable career for entrepreneurship
• Building a real estate business from scratch in a new market
• Customer-first sales philosophy
• Practical advice for buyers and sellers
• Real estate as a long-term wealth-building strategy

It blends career reinvention, sales mindset, and real estate expertise.

🎯 Purpose of the Interview 1. Inspire career transition and risk-taking

• Show how to move from a secure job to a high-reward entrepreneurial path

2. Educate on real estate buying and selling

• Provide practical insights for:
  • First-time buyers
  • Families
  • Sellers

3. Highlight relationship-driven sales success

• Emphasize service, trust, and referrals over commissions

4. Promote real estate as a wealth strategy

• Explain why real estate is a strong long-term investment

5. Share resilience and mindset lessons

• Demonstrate how persistence and belief overcome doubt and rejection

🔑 Key Takeaways 1. Career pivots require courage and clarity

• Kroupa left a stable firefighting career despite outside doubt
• He trusted his long-term vision over short-term safety [TODD KROUPA iHeart | Txt]

2. Block out “outside noise”

• He avoided negativity and advice that could derail his decision
• Focus and conviction were essential to success

3. Skills transfer across industries

• Firefighter experience taught:
  • Problem-solving under pressure
  • Customer care
• These skills translated directly into real estate

4. Relationships drive real estate success

• The business is built on:
  • Trust
  • Referrals
  • Long-term client relationships
• Not just transactions

5. Service > commission mindset

• Top agents prioritize:
  • Client outcomes
  • Long-term value
• Income follows service

6. Emotion drives buying decisions

• Buyers decide within minutes based on:
  • Feeling
  • Personal connection
• Logic comes later in the process

7. Realtors must guide, not just sell

• A great agent:
  • Identifies hidden issues
  • Advises clients—even against a deal

8. Inspection is critical

• Key deal-breakers:
  • Mold
  • Foundation issues
  • Roof problems
• Buyers must be willing to walk away

9. Real estate decisions require discipline

• Avoid overpaying or emotional overcommitment
• Think long-term resale and investment value

10. Neighborhood matters as much as the house

• Buyers should:
  • Visit at different times
  • Talk to neighbors
  • Research schools and environment

11. Market strategy matters when selling

• Presentation is key:
  • Neutral design
  • Strong first impressions
• Buyers decide quickly

12. Real estate is a powerful wealth builder

• Benefits over stocks:
  • Control (improvements, rental, usage)
  • Tax advantages
  • Tangible value

13. Multi-generational living is rising

• Driven by:
  • Cost of living
  • Family dynamics
  • Post-COVID lifestyle shifts

14. Buying the most expensive home isn’t optimal

• Property value is influenced by surrounding homes
• Overpricing limits appreciation potential

💬 Notable Quotes On career transition

“I walked away from a very stable career… to something that can be unstable.” [TODD KROUPA iHeart | Txt]

On ignoring doubt

“I avoided a lot of phone calls… I didn’t want anybody to persuade my decision.” [TODD KROUPA iHeart | Txt]

On motivation

“That put the fire in me.” [TODD KROUPA iHeart | Txt]

On mindset and focus

“I just cut the noise out.” [TODD KROUPA iHeart | Txt]

On service approach

“It should never be about the commission… it should be about helping that person.” [TODD KROUPA iHeart | Txt]

On relationships

“This business is about referrals… connections.” [TODD KROUPA iHeart | Txt]

On buyer psychology

“They’re looking emotionally first—logic comes second.” [TODD KROUPA iHeart | Txt]

On inspections

“If you’re not comfortable now, you won’t be comfortable after you close.” [TODD KROUPA iHeart | Txt]

On real estate vs stocks

“You can’t control a stock… you can improve and live in a home.” [TODD KROUPA iHeart | Txt]

On pricing strategy

“You don’t want to be the most expensive house in the neighborhood.” [TODD KROUPA iHeart | Txt]

🧭 Bottom Line

Todd Kroupa’s message is a blueprint for success in both entrepreneurship and real estate:

• Take calculated risks → growth requires leaving comfort zones
• Focus on people, not profits → relationships build sustainable success
• Think long-term → especially in real estate decisions
• Balance emotion with logic → in major financial choices
• Stay disciplined and informed → avoid costly mistakes

👉 His core philosophy:
Serve people first, make smart decisions second, and success will follow.

#SHMS #BEST #STRAW

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Steve Harvey Morning Show Online: http://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 Ashley Joi Boyd.

Interview Purpose

The purpose of this interview is to explore the intersection of creativity, financial literacy, ownership, and personal resilience, using Ashley Joi Boyd’s journey as a Grammy‑nominated songwriter, music publisher, real estate developer, and author as a powerful case study.

Through honest conversation, Ashley reframes success in the entertainment industry beyond fame and hits, emphasizing business ownership, financial education, mindset, and long‑term wealth building. The interview also serves as an empowerment message—particularly for women—demonstrating that financial setbacks, including bankruptcy, can become turning points rather than permanent barriers.

Major Themes & Key Takeaways 1. Songwriting Is the Heart—and the Business—of Music

Ashley explains that songwriting is not just creativity; it is the foundation of lasting success in the music industry. While artists may earn from performances, writers and publishers earn from ownership, collecting royalties every time a song is played, streamed, or used globally.

Key takeaway: Creativity generates income, but ownership generates wealth.

2. Publishing Is Where the Real Money Lives

Ashley highlights that music publishing—not performing—is the most lucrative side of the industry. By owning her publishing company, she positioned herself to earn long‑term, recurring income rather than relying on one‑time payments or constant touring.

Key takeaway: Understanding back‑end revenue streams is critical in any industry.

3. Business Knowledge Creates Leverage

Raised in an entertainment household, Ashley learned early the importance of understanding contracts, rights, and percentages. She famously walked away from a publishing deal that demanded 75% ownership—choosing long‑term control over short‑term opportunity.

Key takeaway: Walking away from the wrong deal can be the right decision.

4. Opportunity Meets Preparation

Ashley’s collaboration on Justin Bieber’s hit “Yummy” did not happen overnight. It was the result of years of preparation, proven skill, respect for her craft, and being ready when the door opened.

Key takeaway: Access opens doors, but preparation determines what happens next.

5. Financial Collapse Can Become Financial Education

Ashley openly discusses filing for bankruptcy after the 2008 housing crash—a moment she describes as devastating but transformative. With no guidance at the time, she was forced to learn money management the hard way, reshaping her relationship with credit, debt, and planning.

Key takeaway: Bankruptcy is not the end—it can be the beginning of financial mastery.

6. Financial Literacy Is Often Untaught—but Essential

Ashley stresses that many people, especially women, are never taught how to manage money, credit, or wealth. This gap inspired her book Financially Fly: Mastering Money and Wealth for Women, written to create a safe, honest space for financial conversations.

Key takeaway: Making money is not the same as knowing how to keep or grow it.

7. Wealth Is About Structure, Not Just Cash

In defining generational wealth, Ashley emphasizes trusts, insurance policies, estate planning, and real estate—structures that protect families long after income stops.

Key takeaway: Generational wealth is built with systems, not just income.

8. Invest in Yourself First

One of Ashley’s most practical strategies is prioritizing yourself as a financial line item—saving consistently, protecting your credit, and building habits that support future freedom.

Key takeaway: If you don’t prioritize yourself financially, no one else will.

9. Mindset Drives Money Patterns

Ashley underscores that many financial struggles are rooted in scarcity mindset and emotional spending. Shifting to an abundance mindset and facing numbers honestly is the first step toward change.

Key takeaway: Your mindset controls your financial outcomes.

Notable Quotes

“Songwriting is the heart and soul of a song—it’s what makes it last.”

“The real money in music is on the back end.”

“I walked away from a deal because the business wasn’t right—and that changed everything.”

“Bankruptcy forced me to learn how to protect myself.”

“Just because you know how to make money doesn’t mean you know how to keep it.”

“Generational wealth is structure—trusts, insurance, planning.”

“Put yourself on your own balance sheet.”

“Your mindset controls everything around you.”

Overall Message

Ashley Joi Boyd’s interview is a masterclass in reclaiming control—creatively, financially, and mentally. Her story demonstrates that wealth is not defined by income alone, but by ownership, education, structure, and intention.

By openly sharing both her success and setbacks, Ashley empowers listeners to stop avoiding financial truth, build sustainable habits, and believe that long‑term wealth is possible—no matter where they are starting.

#SHMS #BEST #STRAW

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

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