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.

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 Rhonda Spratt.

Founder of Bella Duvet Goes Pink, a Georgia‑based breast cancer awareness nonprofit inspired by her mother’s battle with metastatic breast cancer. Rhonda explains how her mother’s passing drove her to build a year‑round awareness and support organization specifically focused on ensuring women stay vigilant outside of October. She discusses early detection, the emotional and physical realities of breast cancer, the creation of her “Pink Box” care packages, her personal journey of healing, and how she balances nonprofit work with a full‑time commercial real estate career and active lifestyle.

🎯 Purpose of the Interview

The interview aimed to:

1. Spotlight Bella Duvet Goes Pink

A nonprofit dedicated to breast cancer awareness, education, and providing care boxes to women undergoing treatment.

2. Emphasize the importance of year‑round breast cancer advocacy

Rhonda advocates that breast cancer isn’t an “October thing”—women are diagnosed every day, and early detection saves lives.

3. Share her personal story of loss, purpose, and healing

Her mother’s death from metastatic breast cancer inspired her to transform grief into action.

4. Educate listeners on early detection, mammograms, stages of breast cancer, and survivor needs

She clarifies differences between stages, importance of mammograms, and the emotional impact of mastectomies.

5. Encourage community involvement and proper nonprofit management

She discusses partnerships, consistency, the need for help, and how small nonprofits can sustain support.

💡 Key Takeaways

1. Early Detection Saves Lives

Rhonda stresses that breast cancer does not wait for October, and survival rates dramatically increase with early detection.

• Monthly breast self‑exams
• Annual mammograms
• Awareness of breast cancer’s year‑round risk [
• She mentions that early detection offers up to a 99% survival rate over five years. 

2. Stages and Types of Breast Cancer Matter

She distinguishes between early‑stage breast cancer and metastatic breast cancer, which her mother had.

• Stage 1 = high survival
• Stage 4 (metastatic) = significantly reduced survival [

Her mother survived more than 10 years after the first diagnosis but did not keep up with mammograms the second time, leading to late detection. [

3. Personal Loss Became a Mission

Rhonda created her nonprofit to honor her mother and provide the support items they wish they had at the time:

• Mastectomy bras
• Moisturizing skin care
• Aluminum‑free deodorant
• Ginger tea for chemo nausea
• Motivational items & journals [They have already supported 76 women nationwide. 

4. The Pink Box: A Personal, Tailored Care Package

Each box is customized based on a woman’s treatment:

• Bra size
• Cancer stage
• Whether they've had a mastectomy
• Product needs 

It takes 4–6 weeks to deliver and can be requested online. 

5. The Emotional Impact of Breast Cancer is Deep and Often Hidden

Rhonda explains that losing breasts can feel like losing part of one's womanhood.
Women may struggle with:

• Body image
• Confidence
• Relationship shifts
• Emotional turmoil [

She confirms that the bra included in the Pink Box is one of the most essential and empowering items.

6. Running a Nonprofit is Real Work—Consistency & Partnership Are Key

She warns new founders:

• Getting a 501(c)(3) is easy; running it isn’t.
• You must ask for help and build partnerships.
• Organizations that believe in the mission must be prioritized for long‑term sustainability. 

7. Self‑Care Is Essential for Those Who Care for Others

She admits the emotional weight of supporting women fighting for their lives.
Her coping strategies:

• Yoga 3–4 times/week
• Walking and outdoor activities
• Intentional personal time 

8. Golf and Wellness Are Part of Rhonda’s Foundation

She learned golf during Covid and now uses it as a personal escape, a wellness practice, and a platform for outreach via golf clinics. 

9. Real Awareness Requires Year‑Round Outreach

Rhonda actively participates in wellness expos, community events, corporate outreach, and social media messaging to keep breast cancer education going beyond October. 

🗣 Notable Quotes (with citations) On early detection

“Consistency is what increases the survival rate of breast cancer.” 

“The five‑year survival rate is 99% when detected early.” [On her mother’s cancer journey

“She survived over 10 years the first time… the second time, she didn’t schedule her mammogram.” 

On why year‑round awareness matters

“Breast cancer doesn’t wait until October to be diagnosed. Women are diagnosed every day.” 

On the emotional impact

“Losing your breasts is like losing a part of yourself… part of your womanhood.” 

On creating the Pink Box

“These are things I wish we had had when my mom was going through her breast cancer.” 

On healing through helping

“It is very healing… I get joy from helping other women as they go through their healing journey.” 

On nonprofit management

“You have to ask for help… partnerships and sponsorships matter.” 

On awareness fatigue

“People move on to the next holiday or event. Breast cancer has become desensitized.” 

#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 Kevin Cohee.

Purpose of the Interview

The interview aimed to:

• Highlight OneUnited Bank’s mission as the largest Black-owned and first Black-owned internet bank in America.
• Educate listeners on financial literacy, technology-driven banking, and economic empowerment in underserved communities.
• Promote OneUnited Bank’s products and services as solutions for financial challenges faced by Black Americans and others lacking access to traditional banking.

Key Takeaways

1. Historical Context & Mission

   • The concept of a national Black-owned bank dates back to leaders like Booker T. Washington, W.E.B. Du Bois, and Martin Luther King Jr., who emphasized economic empowerment.
   • OneUnited Bank was formed through acquisitions and later pivoted to technology-driven banking.

2. Technology & Innovation

   • OneUnited embraced AI and data aggregation over a decade ago to create products that help customers understand assets, liabilities, and net worth in real time.
   • Banking has shifted from physical branches to digital platforms, enabling nationwide access.

3. Financial Literacy Crisis

   • 90% of Americans lack financial literacy, largely because it’s not taught in schools.
   • Cohee advocates for mandatory K–12 financial literacy education, citing studies showing it can add $126,000 to lifetime net worth.

4. Products Designed for Real Needs

   • CashPlease: Short-term emergency loans at affordable rates.
   • Second Chance Checking: Helps rebuild credit.
   • Savings Programs: Often in collaboration with employers.
   • These products address real-life challenges like low emergency savings and predatory check-cashing fees.

5. Accessibility & Reach

   • OneUnited offers nationwide banking via oneunited.com, surcharge-free ATMs, and partnerships with major networks.
   • Customers can deposit checks online and access services without visiting physical branches.

6. Economic Empowerment

   • Technology enables entrepreneurship without owning physical products—leveraging branding and e-commerce.
   • Cohee draws parallels between today’s tech opportunities and the historical wealth-building of Black Wall Street.

Notable Quotes

• “We are FDIC insured, commercial bank like them. The only difference is we’re smarter and we have better technology.”
• “Technology and AI allow anyone to make decisions like they were an expert.”
• “If we taught financial literacy in schools, it would create over $100,000 in net worth per person over their lifetime.”
• “You don’t have to go to check cashers and get ripped off. Just go to oneunited.com.”
• “We’ve been working on AI for over a decade. We’re not coming to the party—we are the party.”
• “Our generation has technology and communication skills. We can change society.”

#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 Brianna Johnson.

A dynamic entrepreneur and founder of Legend Life Financial. Here's a breakdown of the key highlights and insights from the episode:

🔑 Key Themes & Takeaways 1. Early Entrepreneurship

• By age 22, Brianna owned two clothing stores and a hair salon in Chicago.
• Inspired by her father, a long-time financial services professional, she developed a strong entrepreneurial spirit early on.

2. Transition to Financial Services

• At 24, she pivoted into financial services, initially resistant to the idea due to its lack of “cool” appeal.
• She passed her state licensing exam and is now licensed in over 30 states.
• Her company, Legend Life Financial, focuses on life insurance and financial education.

3. Insurance Education & Transparency

• Brianna emphasizes the importance of understanding the differences between:
  • Term Life Insurance: Affordable, fixed for a set term (e.g., 20–30 years), but can increase if it's an annual renewable term.
  • Whole Life Insurance: Permanent, more expensive, builds cash value slowly.
  • Indexed Universal Life (IUL): Tied to stock market performance with capped gains and protected downside.
  • Universal Life: Flexible premiums, moderate cash value growth.
  • Final Expense Policies: For individuals with health or legal issues, typically lower coverage.

4. Client Advocacy

• She stresses the need to ask questions like “What type of policy is this?” and to avoid blindly trusting agents—especially those who may not stay in the business long-term.
• She follows up with clients regularly and educates them on evolving insurance needs.

5. Mentorship & Impact

• Brianna has mentored over 250 life insurance agents and served more than 5,000 families.
• She’s passionate about empowering people of color through financial literacy and entrepreneurship.

💬 Notable Quotes

• “Fear is just false expectations appearing real.”
• “Everything you want is on the other side of fear.”
• “You don’t have to work more to make more—you just have to work smarter.”

📍 Contact & Resources

• Website: LegendLife.com (spelled with a “Z” – LegzendLife.com)
• Phone: (312) 768-3604
• Social Media: @BriannaKaylaJ on all platforms

#SHMS #STRAW #BEST

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

See omnystudio.com/listener for privacy information.