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.

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 Joxavier Jackson.

A financial advisor with over 15 years of experience across major institutions such as Wells Fargo, Chase, and Bank of America. She discusses her evolution from a teenage bank teller to an independent financial planner at The Piedmont Group in Atlanta, where she provides holistic, comprehensive wealth management—especially for clients who traditionally lack access to financial literacy.

Joe shares her personal journey, the gaps she observed in financial education—especially in working‑class families and communities of color—and why she aims to provide accessible, relationship‑based financial planning. She breaks down the fundamentals of long‑term wealth: insurance, asset allocation, retirement accounts, tax strategies, fraud prevention, and planning for individuals and business owners.

The discussion highlights the importance of financial confidence, the significance of meeting people where they are, and the need to increase participation of Black and Brown individuals in wealth‑building spaces.

🎯 Purpose of the Interview

1. Introduce Dr. Joe Jackson’s financial journey
   From humble beginnings to leadership positions in banking and finally to founding her own firm. 

2. Explain comprehensive financial planning
   She contrasts big‑bank limitations with her holistic approach that includes insurance, investments, retirement, and legacy planning.

3. Educate listeners on wealth‑building fundamentals
   Insurance, retirement vehicles, asset allocation, compounding, fraud prevention, and business planning. 

4. Highlight financial literacy gaps in underserved communities
   She encourages access, representation, and inclusion for people of color in financial spaces. 

5. Empower people to build confidence with money
   Joe stresses that understanding your numbers gives you a competitive advantage in life. 

🔑 Key Takeaways 1. Wealth Requires Strategy, Not Accident

Joe explains that wealth is built through planning, long‑term strategy, and educated decisions—not by chance.

2. Insurance Is a Wealth‑Building Tool

Beyond death benefit, insurance can:

• Support retirement income
• Provide tax sheltering
• Protect against market downturns
  She differentiates between term (“rental insurance”) and whole life (“tool you use living and after death”).

3. High Income ≠ Financial Security

Without budgeting, allocation, and strategy, income is quickly lost. 

4. Fraud Awareness Is Essential

Joe urges clients to verify communications directly with institutions and avoid clicking suspicious links. 5. Tailored Advice by Age Group

For people in their 20s:

• Compounding interest
• Rule of 72
• Dollar cost averaging
  For older clients:
• Catch‑up contributions
• Consolidating old 401(k)s

6. Business Owners Need Dual Financial Plans

Joe emphasizes separate strategies for:

• Business planning
• Personal financial planning
  Especially for tax savings, succession, and legacy building. 

7. Representation Matters in Financial Literacy

She highlights the need for more visibility, education, and access for Black and Brown communities. 

8. Asset Allocation Depends on Risk Tolerance

Younger clients = more aggressive
Risk‑averse clients = more conservative, bond‑heavy portfolios

9. Dollar Cost Averaging Builds Wealth

Consistent, automated investing—regardless of market conditions—drives compounding. 

🗣️ Notable Quotes (Direct From Transcript) On Wealth Building

“Wealth isn’t built by accident… you have to have a plan.” 

On Big Banks vs. Her Firm

“If you don’t have at least $250,000, you weren’t considered a worthy client—so far from the truth.” 

On Community Access

“People that look like me—we need this education.” 

On Term vs. Whole Life Insurance

“Term is renting. Whole life is a tool you use when you're alive and when you die.” 

On Financial Confidence

“Financial confidence is a competitive advantage.” 

On Helping Older Clients

“We start right where you are.” 

On Increasing Black Participation in Finance

“I don’t look at your dollar amount. I have information that will make a difference in your life… you need to hear it.” 

On Her Personal Journey

“My family came from humble beginnings… but a manager encouraged me to sit for my licensing. I passed everything on the first try.” 

#SHMS #BEST #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.

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

See omnystudio.com/listener for privacy information.