If you are not moving your money around into healthy accounts, it WILL lose its value! In this Q&A episode, we're answering your biggest money questions — from investing basics to advanced tax and real estate strategy — straight from the Melanin Money community.

In this episode, you'll learn:

Whether you can write off business expenses paid with a personal credit card

How to start investing the right way (even if you're starting small)

How to legally pay your children from your business and fund a custodial Roth IRA

How to borrow against your brokerage portfolio without selling your investments

How to use an old 401(k) to fund a real estate remodel without paying taxes or penalties

How to structure a tax-efficient real estate strategy in retirement using cost segregation

This content is for educational purposes only and is not financial, tax, or legal advice. Always consult a licensed professional before making investment decisions.

Have a money question of your own? Drop it in the comments — we may answer it in a future episode. And if you want personalized strategy, join us for Wealth Week and get direct access to our team.

Timecodes:

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You could be actively working against your own wealth without even realizing it — and the habits that are pushing money away from you are more common than you think!

In this episode, you'll learn:

Why saving alone will never make you wealthy (and what to do instead)

The mindset shift millionaires make between treating money as a "tool" vs. a "pool"

How to identify the habits quietly sabotaging your financial growth

What it actually means to make your money work for you

This content is for educational purposes only and is not financial, tax, or legal advice. Always consult a licensed professional before making investment decisions.

Ready to stop guessing and start building real wealth? Join us for the Multiply Your Money workshop and learn the exact strategies wealthy people use to grow and protect their money.

Timecodes:

0:00 Cash Flow Over Bank Balances

1:20 Revenue Advice By Income Level

2:08 Why Wealthy Pay Less Tax

3:40 Five-Part Wealth Building Blueprint

5:08 Three Levels Of Tax Savings

7:43 Biggest Mistake High Earners Make

12:31 Cash Flow Now Vs Equity

14:06 Right Business Entity Structure

16:06 Passive Beats Active Income

19:49 Wealth Triangle And Risk Mindset

22:16 Trump's New Tax Bill

27:19 Avoid Passing Down Tax Bills

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Most people pick stocks based on price. Smart investors pick stocks based on the business behind them. In this episode, Carter Cofield (CPA) and George Acheampong break down the 5 business principles they use to run their own company — and show you how applying those same principles to stock picking can make you a far better investor.

In this episode you'll learn:

📊 Why reviewing your P&L and balance sheet tells you more about a stock than the news does

🎯 Why "hire slow, fire fast" applies directly to picking (and dropping) stocks

🚀 Why innovation is the difference between the next Apple and the next Blockbuster

💰 How diversifying revenue streams in a business mirrors diversifying your portfolio

📈 Why keeping your top-performing stocks (and avoiding unnecessary capital gains tax) builds real long-term wealth

🏢 The Warren Buffett principle behind it all: don't buy the stock, buy the business

This is a must-watch if you've ever picked a stock based on price alone and wondered why it didn't perform.

⚠️ This is not financial advice. Please consult a licensed advisor for your specific situation.

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You're earning well and sitting on extra capital — but is day trading actually the smartest way to grow it?

In this episode of the Melanin Money Show, Carter Cofield (CPA & Financial Advisor) and George Acheampong (Financial Advisor) break down why concentrating on your career or business — not chasing short-term trades — is the real wealth-building lever for high earners with surplus income. We'll also cover:

Should you day trade or invest long-term with your extra income? — The "wealth triangle" framework: concentrate to get rich, diversify to stay rich. Plus how to use long-term options (LEAPS) if you still want to scratch the trading itch.

Should you borrow against your whole life insurance policy to invest? — How non-direct recognition loans work, why your $100K cash value keeps earning interest while you invest it elsewhere, and the real break-even timeline most agents won't tell you.

How many LLCs do you need for 3 rental properties? — The $250K equity-per-LLC rule, how a Wyoming holding company gives you full anonymity, and why Texas series LLCs can save you thousands in annual fees.

Did your CPA cost you a $150K tax deduction? — Why skipping the cost segregation study on your short-term rental could mean leaving six figures on the table, and how to fix it with an amended return before the October 15 deadline.

Should you still contribute to a 401K if your employer gives you a 5% match for free? — The exact order to stack your accounts: employer match → Roth IRA → HSA → brokerage → 401K.

⚠️ This is not financial advice. Please consult a licensed advisor for your specific situation.

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Order Teri's Book " A Risk Worth Taking " Here 👇 https://www.amazon.com/exec/obidos/ASIN/163763465X

What does it take to go from assistant principal to a 9-figure net worth trader? Teri Ijeoma is living proof that the biggest risk you'll ever take is the one you don't.

In this episode of the Melanin Money Show, recorded live at the New York Stock Exchange, we sit down with one of the most impactful Black women in the investing and trading space. Terry Latrice built a trading empire from scratch, helped create millionaires out of everyday people, and is now releasing her debut book — The Risk Worth Taking — to reach even more people who never thought the stock market was for them.

This is not your average trading conversation. This is a masterclass on risk, identity, wealth building, and what it really means to bet on yourself when everything is on the line.

In this episode you'll learn:

How Terri went from assistant principal to generating over a million dollars in a single trading day.

Why Black women are statistically the least likely to take financial risk — and how that fear is costing them generational wealth.

Why the strategies that build your wealth are completely different from the ones that will preserve it!

How to think about opportunity cost so that fear stops making your financial decisions for you

Why over 600,000 unemployed Black women are sitting on severance and savings that could be working for them right now!

and more!

Follow Teri Ijeoma on Instagram : https://www.instagram.com/teriijeoma?igsh=NTNrazh3cXdoY29w

Timecodes:

0:00 - Nine Figures From Nothing

1:05 - Welcome to Melanin Money Show

1:25 - Hotel Room to New York Stock Exchange

2:13 - Why She Wrote the Book

3:32 - From Principal to Million Dollar Trader

4:14 - Granny's Bet Changed Everything

5:24 - Million Dollars in One Day

6:18 - Amazon Driver Became a Millionaire

7:28 - Your Obedience Unlocks Someone's Destiny

8:38 - Why Black Women Avoid Risk

9:09 - Sacrifice Kills Your Risk Tolerance

10:09 - How to Take Smart Risk

11:14 - The Opportunity Cost of Fear

12:22 - How Terry Diversifies Her Wealth

13:00 - Real Estate Land and Venture Capital

14:05 - SpaceX Created 4000 Millionaires Today

14:28 - Save for Opportunities Not Emergencies

15:01 - The $24K Loss That Built Her

16:14 - Elon Gave SpaceX 10% Odds

17:29 - The Biggest Risk She's Taking Now

18:46 - Four Years to Write One Book

20:19 - Penguin Random House Called. She Almost Said No.

21:30 - Why She Made It a Love Story

23:34 - There's a Cute Guy in the Book

24:00 - The Secret Romance Nobody Knew

25:48 - Book Tour Hits Four Major Cities

26:30 - This Book Tour Feels Like Class

28:09 - What Black Billionaire Really Means

29:29 - Shattering Ceilings for the Next Generation

30:19 - 600K Black Women Fear Investing

31:00 - 100K Views Equals 100 Free Books

31:43 - Full Circle Moment at the NYSE

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Let's break down the most costly retirement and tax mistakes people are making right now — including one financial advisor who told a client two years from retirement to withdraw $900K from her IRA and dump it all into an annuity.

That one recommendation would have triggered a $400K+ tax bill before she saw a single dollar of guaranteed income. We break down exactly why that advice was dead wrong and what she should have done instead.

We also cover:

— Whether you can contribute to a backdoor Roth IRA if you already have a Roth 401K with your employer

— The difference between a self-directed IRA and a regular IRA and which one is right for you as you approach retirement

— S Corp vs C Corp — which entity structure saves you more when your business is generating millions in profit

— The CPA mistake that could cost you an entire year of S Corp tax savings without you even knowing

— Why going 1099 instead of W2 might actually be the smartest retirement move you haven't considered yet

Whether you're trying to protect your retirement savings, reduce your tax bill, or just make sure your money is working as hard as you are — this episode is exactly what you need to hear before you make another financial move.

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Most people are one wake-up call away from building real wealth in the stock market — they just haven't had theirs yet. In this episode, filmed live at the New York Stock Exchange, we sat down with Chris, a 6-year trading veteran who spent 15 years grinding through corporate America before discovering the stock market changed everything.

Chris went from making $11/hour at Citibank with a $6 raise over nine years, to trading his way to $84,000 in a single day. This conversation is raw, real, and packed with lessons you won't hear from most finance influencers — including how he almost blew up his account chasing AMD, why he compares his trading strategy to a relationship, and the powerful moment his wife's car title became the turning point that changed his family's financial future forever.

Whether you're brand new to investing, curious about options trading and technical analysis, or trying to figure out how to make your money work harder than you work for it — this episode is for you.

Timecodes :

00:00 — Build Wealth While Clocking In

01:02 — Welcome to the NYSE | Meet Chris Jackson

03:23 — Nine Years. Six Dollar Raise. He Snapped

06:00 — How Corporate America Keeps You Broke

08:03 — The Car Title That Changed Everything

11:11 — A Wine Tasting That Sparked His Trading Career

14:50 — The Strategy That Makes Trading Make Sense

21:33 — Behind the Numbers | His $84K Day

24:27 — The $5K Loss That Woke Him Up

26:24 — Why Faith and Finances Are Connected

33:07 — How He's Teaching Others to Trade Free

34:55 — What It Means to Be a Melanin Millionaire

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The stock market just exposed millions of investors — and most don't even know it yet!

Whether you're just getting started or you've been investing for years, these five mistakes will cost you significantly if you keep making them — and knowing them now could change the trajectory of your entire financial future!

Timecodes:

00:00 – Stop Selling Gains!

01:28 – Stop Timing The Market

03:15 – Carter's Palantir Story (Real Talk)

04:36 – Missing 10 Days Cuts Returns 50%

05:18 – Base Hits Build Wealth

07:28 – Stop Chasing The Next Hot Stock

09:06 – Dollar Cost Averaging Wins

11:06 – Diversification Saves Portfolios

12:46 – The Quote That Changes Everything

14:10 – Borrow Don't Sell

15:24 – Keep Your Portfolio AND Buy More

17:14 – Flip These Mistakes Into Strategies

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If you're not actively building wealth right now, the window to do it may be closing faster than you think.

With AI eliminating millions of jobs, the cost of living skyrocketing, and the wealth gap widening every single year — the next five years will determine your financial future for the rest of your life. We sit down with Xavier Miller — Air Force veteran, real estate investor, digital asset investor, and founder of the Millionaire Mindset Podcast with over 10 million downloads — to break down exactly what it takes to go from a broke mindset to a millionaire mindset, why 2030 is the deadline you need to take seriously, and the specific moves you need to make right now to protect your financial future.

Timecodes:

[0:00] Intro – Xavier Miller [1:51] Broke Mindset vs. Millionaire Mindset [3:01] How to Maintain Desire When Life Hits [4:09] Discipline Your Environment [7:30] How the Military Forced Xavier's Wake-Up Call [9:24] The Moment He Decided to Change [10:29] How to Bring Future Pain Into the Present [13:22] Why Most People Start Too Late [15:01] Write Your Will — The Exercise That Humbles You [18:32] It's Never Been Easier to Make Money or Do Nothing [19:44] Why Getting Wealthy Is About to Get Much Harder [22:05] The Mouse, the Cheese & the Cat (Why Fear Motivates) [25:29] Where to Start If You Feel Overwhelmed [29:52] Crypto vs. Real Estate — Xavier's Bet [34:39] Why Black People Can't Afford to Wait [39:23] Top Traits of Ultra-Successful People [44:04] You Cannot Be Soft in Business [46:23] Tough Conversations Make You Richer [50:09] What Being a Melanin Millionaire Means

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You finally crossed six figures — now what? In this episode of the Melanin Money Show, wealth manager George Acheampong and financial strategist Carter Cofield go head to head in a versus format, answering your most pressing money questions live.

They break down the exact financial moves you should make once you hit six figures, why having $275,000 sitting in a bank account is actually a risky move, and the real difference between an S Corp and a C Corp for business owners doing a million dollars in revenue.

They also tackle RSUs and what to do before they vest, whether a revocable trust actually protects your business, and the W2 versus 1099 debate that every high earner needs to understand before making the switch.