Best of The Steve Harvey Morning Show

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 Dr. Leketa Hawkins.

Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

🔑 Key Themes and Takeaways: 💼 About Dr. Leketa Hawkins

• Founder of PocketbookStrategies.com, which offers financial literacy programs, tools, and resources.
• Also runs Hawdleigh.com, a platform for financial education courses and templates.
• Her mission is to provide low-cost or no-cost financial education to underserved communities.

💡 Financial Literacy & Upbringing

• Like many, Leketa grew up in a household where money was not discussed—a common cultural norm that left many unprepared for adult financial responsibilities.
• She emphasizes the importance of breaking generational cycles by involving children in financial conversations early.

🧠 Emotional Spending

• One of the most common financial pitfalls she sees is emotional spending—buying things to cope with stress, boredom, or celebration.
• She recommends tracking spending for one week to identify patterns and triggers.
• Online shopping makes emotional spending easier and more dangerous due to its convenience.

📊 Budgeting Strategies

• Advocates for the 50/30/20 rule:
  • 50% for needs
  • 30% for wants
  • 20% for savings or debt
• Encourages people to “name your money before you spend it”—assign every dollar a purpose.

👧🏾 Youth Financial Literacy

• Stresses the importance of teaching kids that money is a tool, not a goal.
• Encourages parents to:
  • Let kids ask financial questions.
  • Teach saving from every dollar earned.
  • Explain compound interest and the value of investing.

👩🏽‍💼 Empowering Women Financially

• Many women feel overwhelmed or disempowered financially.
• Dr. Hawkins encourages women to take small steps toward financial clarity and view financial wellness as a form of self-love.

💬 Final Lessons

• “Money doesn’t change who you are—it amplifies who you are.”
• Understanding the difference between assets and liabilities is foundational:
  • Assets put money in your pocket.
  • Liabilities take money out.

#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 Moniek Garside.

A licensed clinical social worker and founder of Fit Life Wellness. Here's a comprehensive summary of the episode:

🎙️ Guest: Moniek Garside

• Licensed Clinical Social Worker (LCSW) practicing in Georgia, Colorado, Illinois, South Carolina, and Minnesota.
• Founder of Fit Life Wellness, a private mental health and wellness practice.
• Author of the guided journal I Can, I Will.

🧠 Key Topics Discussed 🧘‍♀️ What Therapy Really Is

• Therapy is not just “talking on a couch”—it’s a safe space for vulnerability, healing, and personal growth.
• It involves unpacking emotional challenges, not just surface-level advice.

🔄 Life Transitions

• Includes shifts like:
  • Moving from corporate to entrepreneurship
  • Divorce or children leaving home
  • Personal reinvention
• Therapy helps individuals navigate uncertainty and redefine stability.

🧑‍💼 Mental Health for Entrepreneurs

• Entrepreneurs often neglect self-care in pursuit of success.
• Therapy helps them prioritize balance, manage burnout, and maintain mental clarity.
• Moniek emphasizes the importance of processing emotions and having a support system.

📘 About the Book: I Can, I Will

• A 30-day guided journal with weekly themes and daily prompts.
• Designed to help individuals:
  • Reflect on their emotions
  • Reset their mindset
  • Overcome depression, anxiety, and life transitions
• Available on Amazon, Barnes & Noble, and MoniekGarside.com

🧩 Common Mental Health Misconceptions

• Mental health is often oversimplified or trivialized on social media.
• Terms like “anxiety” and “boundaries” are used without understanding.
• Real healing requires professional guidance, not just affirmations or apps.

🧍‍♀️ Moniek’s Personal Journey

• Originally a nursing major, she transitioned to social work after realizing her passion was emotional care.
• She created Fit Life Wellness to have autonomy in how she supports clients.
• She is both a therapist and a therapy client—emphasizing the importance of self-work.

🧠 Mental Health Red Flags

• Depression: Irritability, isolation, loss of interest, low motivation.
• Anxiety: Racing thoughts, physical symptoms (e.g., heart palpitations), constant worry.

🧰 Therapy vs. Technology

• Apps and AI tools can supplement mental health care (e.g., affirmations, breathing exercises).
• But they cannot replace the human connection and insight of a trained therapist.

🌐 Connect with Moniek Garside

• Website: MoniekGarside.com
• Practice: Fit Life Wellness
• Services: Virtual therapy, clinical supervision, mental health resources

#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 Monique Strong.

President of the Atlanta Chapter of the National Association of Black Women in Construction (NABWIC). Here's a breakdown of the key highlights and takeaways:

🔑 Key Themes & Takeaways 1. Breaking Barriers in Construction

• Monique Strong is a trailblazer in a traditionally male-dominated and white-dominated industry.
• She leads NABWIC’s Atlanta chapter, advocating for leadership, equity, and professional development for Black women in construction.

2. What “Construction” Really Means

• Construction isn’t just hard hats and manual labor—it includes:
  • General contracting
  • Project management
  • Estimating
  • Safety coordination
  • Architecture and engineering
  • Business ownership and development

3. Legacy and Inspiration

• Monique’s passion for construction was inspired by her grandfathers and her grandmother, who helped build the home she grew up in.
• Her journey includes a degree in engineering from Clark Atlanta University and further training in construction management.

4. Challenges and Triumphs

• Faced skepticism from family and industry peers.
• Overcame stereotypes and isolation as a young Black woman in construction.
• Emphasizes the importance of knowing who you are and embracing your identity as a woman in the field.

5. The Power of Mentorship and Community

• NABWIC provides a supportive network for women at all stages of their construction careers.
• Weekly calls, mentorship, and shared resources help members grow and succeed.

6. Why Diversity in Construction Matters

• Diversity reflects the makeup of the country and brings innovation and detail-oriented excellence to the field.
• Inclusion in leadership and contracting opportunities is essential for equity and community development.

💬 Notable Quotes

• “You don’t have to be hard. You just have to be hungry.”
• “We are the unicorns people are looking for.”
• “I like to take something that’s nothing and make it something.”

🎯 Advice for Women in Construction

• Get involved with a community like NABWIC that supports your growth.
• Seek mentorship from women at all stages—beginning, middle, and end of their careers.
• Embrace your uniqueness and use it to lead and innovate.

#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 Mowbray and Cherina Rowand

Co-founders of The Rowand Group and One Stop Taxes, the largest Black-owned virtual tax preparation service in America. The interview highlights their business evolution, scaling strategies, community impact, and the creation of the Black Tax Festival.

🧭 Interview Outline 1. Background & Origins

• Both from Memphis, Tennessee; met in high school.
• Started tax preparation in 2010 as a mom-and-pop operation.
• Transitioned from brick-and-mortar to virtual model by 2015.

2. Business Philosophy

• Entrepreneurship is defined as service to others.
• Mowbray is the visionary; Cherina is the implementer.
• Emphasis on scaling with structure: legal, accounting, HR.

3. One Stop Taxes

• Grew from a single office to over 1,000 virtual franchise locations.
• Offers free training, no startup costs, and shared revenue model.
• Built a platform allowing clients to submit documents and sign remotely.

4. Virtual Tax Model

• Designed for convenience and accessibility.
• Clients and tax preparers never need to meet in person.
• Platform includes document upload, e-signature, and cloud storage.

5. Franchise & Training

• Learning Management System (LMS) for onboarding.
• Training includes tax prep, customer acquisition, and platform use.
• Strategic partnerships with local businesses (e.g., dealerships, daycares).

6. Black Tax Festival

• Annual event held in Atlanta
• Combines networking, education, and recognition.
• Includes IRS updates, business workshops, and the Titan Awards.
• Open to all entrepreneurs, not just tax professionals.

7. Expansion & Diversification

• Own restaurants in Memphis and the Dominican Republic.
• Franchised Fat Tuesday and Esco Restaurant (did \$1M in first 6 weeks).
• Own a yacht for rental experiences in the DR.
• Plans to develop a restaurant strip near FedExForum in Memphis.

💡 Key Takeaways

• Vision + Execution = Growth: Their complementary roles fuel business success.
• Virtual is Scalable: Transitioning to virtual allowed exponential growth.
• Community Impact Matters: Black Tax Festival fosters education and recognition.
• Diversification is Strategic: Restaurants and real estate expand their brand.
• Mentorship & Learning: They study successful entrepreneurs like Tilman Fertitta.
• Faith & Family Drive: Their journey is rooted in love, planning, and purpose.

🗣️ Notable Quotes

• “Entrepreneurship means being a servant to other people.”
• “The same thing that works at \$1M doesn’t work at \$15M.”
• “We had to fire ourselves from some jobs and hire professionals.”
• “We built a platform where you can do taxes from your couch.”
• “We started before social media—we know belly-to-belly marketing.”
• “Recognition matters—people don’t get it at home or work.”
• “We’re trying to bridge the wealth gap through proper paperwork.”
• “We bought a yacht in the Dominican Republic to rent for experiences.”

#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 Michael Uadiale.

A seasoned CPA and master tax advisor with 25+ years of experience, discussing how entrepreneurs can use strategic tax planning to accelerate wealth building and achieve financial freedom within 5–7 years. He introduces his trademarked DECIDE Framework, explains why most small business owners overpay taxes, and breaks down strategies such as employing children, capturing appreciation, digital asset taxation, and multigenerational wealth planning.

Rushion plays the voice of the everyday entrepreneur—curious, intimidated by taxes, and eager to understand wealth strategies—while Michael emphasizes empowerment through education, intentional planning, and knowing the rules of the tax code.

🎯 Purpose of the Interview

The interview aims to:

1. Educate entrepreneurs

…on how the tax code actually works, and how understanding it—not fearing it—is the key to wealth building.

2. Introduce Michael Uadiale’s DECIDE Framework

A 6-step model that helps entrepreneurs achieve financial freedom in 5–7 years, based on strategic tax planning.

3. Debunk myths about taxes and wealth

Especially the myth that “the tax code only favors the rich.”

4. Encourage proactive financial behavior

By meeting tax advisors regularly, planning before spending, using legal tax incentives, and building multigenerational wealth.

🔑 Key Takeaways 1. The tax code is a tool—not a trap

Michael stresses the tax code was intentionally created as a set of incentives to encourage certain behaviors. Those who understand it win; those who fear it overpay.

“The tax law is a set of incentives… It’s how the government wants us to behave.”

2. Wealth cannot be delegated

You can delegate marketing, HR, operations—but not wealth-building decisions.

“Wealth cannot be delegated.”

3. The DECIDE Framework (Michael’s 6‑step wealth-building system)

D – Discover Your Wealth DNA
Understand how you make money because not all dollars are taxed equally.

E – Engineer Tax-Free Structures
Your business structure determines how much money you keep.

C – Capture Your Growth & Appreciation
“Freeze” wealth so your heirs avoid 45% estate tax bites.

I – Integrate Advanced Tax Strategies
Use high-level but legal tax planning (what rich families do).

D – Defend Against Tax Erosion
Put barriers in place so taxes don’t eat your wealth.

E – Empower Multi‑Generational Legacy
Ensure your family continues benefiting from your planning.

4. Over 80% of small business owners overpay in taxes

Because they avoid taxes, only meet their preparer once a year, and confuse a tax preparer with a tax advisor.

“You cannot operate like that and win the game of money.”

5. You can legally pay your kids and get major tax benefits

Kids can perform tasks (in office or at home), earn up to $15–16k tax‑free, and you deduct the wages.

“Instead of paying out of pocket, the government subsidizes raising your kids.”

Some clients even invest those wages in Roth IRAs to create child millionaires by age 21.

6. Tax planning must be proactive, not reactive

Plan taxes all year long—not at the deadline.

“When you are doing tax planning, you design the end game before the start.”

7. Compounding interest + tax efficiency = true wealth

Michael reinforces that compounding should start early—and taxes must be minimized to let compounding work.

“Wealth is compounding interest minus taxes.”

8. Digital assets will play a major future role

Michael predicts digital currencies (e.g., Bitcoin) will eventually surpass fiat currency due to scarcity and blockchain verification.

9. Fear stops people from gaining wealth

Most people think advanced tax planning is “too good to be true,” which keeps them stuck.

“You miss 100% of the shots you don’t take.”

10. Confidence and education are the foundation

Rushion repeatedly emphasizes that Michael’s calm, confident clarity is essential for entrepreneurs who fear taxes.

🗣️ Notable Quotes from the Interview On Tax Code

• “The tax code was not written for the little guys… but if you understand the rules, you get the same benefits the big boys get.”
• “The tax code is one of the fastest ways to financial freedom.”

On Wealth

• “Wealth cannot be delegated.”
• “Wealth is compounding interest minus taxes.”

On Fear & Taxes

• “People avoid taxes all year and then try to win in April—You cannot win like that.”
• “You miss 100% of the shots you don’t take.”

On Paying Kids

• “It’s a no brainer. The government is subsidizing your kids’ upbringing.”

On Digital Currency

• “Digital assets are backed by supply and demand. It’s only a matter of time.”

On His Confidence

• “I have nothing else to prove in my life at this point.”

#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 Dr. Lynn Richardson.

Renowned financial literacy expert, educator, and entrepreneur—joins Rushion McDonald for a wide-ranging, practical conversation about money mindset, financial mistakes, entrepreneurship, tax strategy, multiple streams of income, and estate planning.

Blending personal storytelling with direct instruction, Dr. Lynn breaks down why many people struggle financially despite earning good money, and why education, planning, and conversation—not income alone—are the keys to wealth-building, particularly within the Black community.

Her tone is candid, no‑nonsense, and empowering—earning her self-described reputation as the “Madea of money.”

Purpose of the Interview

The interview is designed to:

1. Normalize “money-making conversations” in households, businesses, and communities
2. Challenge myths about income, success, and financial security
3. Educate listeners on practical, legal strategies for budgeting, taxes, business structure, and generational wealth
4. Encourage financial transparency, planning, and action, especially among entrepreneurs and families
5. Shift mindset from survival and spending to strategy and stewardship

At its core, the interview reinforces that financial empowerment starts with education and honest dialogue—not luck, prayer alone, or higher income.

Key Takeaways 1. More Money Does Not Fix Money Problems

Dr. Lynn explains that earning more without changing behavior and mindset only magnifies financial issues. She shares her own journey of making tens of thousands per month while still living paycheck-to-Monday.

Core lesson:

Income is not the problem—money management is.

2. Silence and Shame Keep People Financially Stuck

Many people avoid addressing financial trouble due to pride, fear, or cultural conditioning (“don’t air dirty laundry”). Dr. Lynn emphasizes that the first step to financial recovery is speaking up and facing reality.

Core lesson:
Financial healing begins with honesty—not hiding.

3. Money Is Predictable Math, Not Mystery

Dr. Lynn demystifies money as a simple equation: if expenses exceed income, the outcome is guaranteed. Emotional avoidance turns math into bondage.

Core lesson:

“Money is more predictable than anything—one plus one always equals two.”

4. Children Are Financial Assets When Taught Properly

She explains a powerful tax strategy: hiring children (or relatives) in a home-based business and paying them up to the IRS threshold tax-free, while teaching them skills and entrepreneurship.

Core lesson:
Children shouldn’t just consume money—they can learn how it works.

5. Most Entrepreneurs Are Undereducated About Business

Dr. Lynn criticizes the rise of “janky businesses”—LLCs without proper structure, records, or protections—leaving owners exposed legally and financially.

Core lesson:
Talent without business education leads to unnecessary risk.

6. One Stream of Income Is Dangerous

She strongly reinforces that relying on a single income source is no longer viable for financial security. Wealth requires multiple, independent income streams.

Core lesson:
Job security is not wealth security.

7. Estate Planning Is a Responsibility, Not a Luxury

Dr. Lynn reframes estate planning as a life and legacy plan, not something only for the wealthy. Without a plan, the government decides what happens to your assets.

Core lesson:
Everyone has an estate—the question is who controls it.

Notable Quotes

“Money making conversations isn’t just a title—it’s a movement and a lifestyle.”

“Rich people stay rich because they act poor. Poor people stay poor because they act rich.”

“The first adjustment anybody needs to make is to open their mouth and talk to someone.”

“One stream of income is hazardous to your wealth.”

“If you don’t have an estate plan, the government has one for you.”

“You spend the money and it’s gone. I spend the money and I get it back—legally.”

Conclusion

This interview positions Dr. Lynn Richardson as both a financial truth-teller and a practical strategist. Her message is clear:

• Wealth is built through education, planning, structure, and conversation
• Financial mistakes are common—but avoidable
• Generational wealth requires intentional action, not silence or hope

The episode reinforces Money Making Conversations Masterclass as a platform not just for inspiration—but for execution and accountability.

#SHMS #BEST #STRAW

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.

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

See omnystudio.com/listener for privacy information.