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This episode delves into the concept of dating up.

Black Men-What’s holding you back from dating up?

I. Intro-My Dad said men don’t want to date up because they are biologically engineered to be the provider.

II. What is dating up?

The act or practice of a person dating or marrying a spouse of higher status than themselves.  This includes attractiveness level, education, financial, career, and spirituality. It could also include dating specific races or ethnicities. 

III. Observations

Do you feel most Black men you know date up or down? What about other cultures?

IV. Strategies To Date Up

Figure out what level you are on: attractiveness level, education, financially, career wise, spiritually (what’s your baseline?)

V. Downside of dating Up

Person your dating family may look down on you.
This could breed competition.
This could breed insecurity.

VI. Conclusion

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🎙️ Episode 74: Do You Need a Business Plan?

In this episode of Money Sex Gen X, hosts Eric McLoyd and Scott “Big Stew” Stewart dig into the often-asked question: Do you really need a business plan to succeed?

They break down:

• Why one in five businesses fail in their first year
• The difference between formal education and real-world experience
• The most important components of a business plan (spoiler: it’s not just the executive summary)
• How to validate your idea with real market research
• And how to get your first customer before even writing the plan

Plus, Stew introduces Planet AI, a new tool that helps you create a business plan in minutes, not months. Whether you're planning to raise money or just want to organize your vision, this episode gives you the clarity—and tools—to move forward with purpose.

Key Quote:
"You already have a plan. I just want you to write it down." – Eric McLoyd

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• Have a voice in the show so episodes reflect the real questions, struggles, and wins you care about.
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• Get the full story behind every guest so you can learn from what they did right, what they hid, and what they regret.
• Understand how each episode was born so you can see the thought process, lessons, and strategy you can apply in your own life.
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Support the show

GAIN ACCESS TO THE CONVERSATIONS WE CAN'T HAVE ON THE MAIN FEED

• Have a voice in the show so episodes reflect the real questions, struggles, and wins you care about.
• Build real financial confidence with a full course that helps you make smarter money moves, not just collect random tips.
• Get the full story behind every guest so you can learn from what they did right, what they hid, and what they regret.
• Understand how each episode was born so you can see the thought process, lessons, and strategy you can apply in your own life.
• Connect with a like-minded community so you are not doing healing, legacy building, and wealth creation alone.

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MSG’s host Eric went to a Howard vs Northwestern football game on Sunday. He had the audacity to wear his Kellogg Northwestern business school cap.  In so many words, he was told by his family that he was not Pro-Black. Was his family right?

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How to Use ChatGPT to Control Your Finances

In this episode of Money Sex Gen X, Eric McLoyd and Big Stew break down how everyday people can use ChatGPT to level up their financial lives. Whether you’re looking to boost financial literacy, get help with budgeting, understand investment basics, or simply write better emails to your credit card company—this is the episode for you.

They cover:

• What ChatGPT is and what it’s not
• The difference between general searches and specific prompts
• Real-life examples of how to use ChatGPT for financial planning, credit repair, and investment research
• Why specificity is the key to getting better results
• The difference between the free and paid versions
• How to use AI as your assistant—not your replacement

Key Takeaway:
You won’t lose your job to ChatGPT, but you might lose it to someone who knows how to use it.

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GAIN ACCESS TO THE CONVERSATIONS WE CAN'T HAVE ON THE MAIN FEED

• Have a voice in the show so episodes reflect the real questions, struggles, and wins you care about.
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Making the decision to take a student loan:

-Is there another way?

-Will this degree increase my earning potential? What is the outlook for the career I’m investing in?

-What are the interest rates on the debt? 4.99% undergrad, 6.54% grad loan rates, plus loan rates 

-What personal development will you need other than the degree?

-Will the debt stop me from building wealth? (Buying real estate, saving, investing)

-intangibles (credibility, confidence)

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Follow MSG on IG @https://www.instagram.com/moneysexgenx/
Subscribe to us on YouTube at https://www.youtube.com/channel/UC8ZPj-9gwrEMiNpglZnzayw

Support the show

GAIN ACCESS TO THE CONVERSATIONS WE CAN'T HAVE ON THE MAIN FEED

• Have a voice in the show so episodes reflect the real questions, struggles, and wins you care about.
• Build real financial confidence with a full course that helps you make smarter money moves, not just collect random tips.
• Get the full story behind every guest so you can learn from what they did right, what they hid, and what they regret.
• Understand how each episode was born so you can see the thought process, lessons, and strategy you can apply in your own life.
• Connect with a like-minded community so you are not doing healing, legacy building, and wealth creation alone.

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ARE YOU A POWER COUPLE?

The term power couple gets thrown around a lot, I felt like it was important to truly define it, provide a roadmap, and a test if you will to see if a couple is REALLY a power couple.

A power couple is a couple who both compliments each other’s strengths and supports each other’s individuality. They are considered role models when it comes to relationships, business, and life. They are seen as a unit—a package deal.

Traits of power couples:

1-Prioritize Teamwork (work together well)

2-Individually Strong

3-Mutually Protective (each other’s biggest fan and it shows)

4-Clearly communicate around successes (openly negotiate who will be more successful at any given time)

5-You speak each other’s love languages

6-Publicly viewed as successful

7-Have receipts to back up your success

MEET OUR GUESTS:

Rio Watkins is a PowermateTM Relationship Strategist and Matchmaker, Executive Trainer, Transformational Speaker, and Coach, and 2X Best Selling Author. He has demonstrated this with an array of audiences including schools, workshops, and many Fortune 500 companies. Rio has been featured in numerous magazines. Rio is also a trained and Certified Mindfulness Practitioner as well as a Certified Meditation Practitioner.

Micca Watkins is a PowermateTM Relationship Strategist, Transformational Speaker, and 3X Best Selling Author. She is a coach and matchmaker who champions busy singles who are sick and tired of the old way of building relationships to have a complete, customized life plan for building a dynamic love life. Micca has also been featured in a number of publications. 

Check out PowermateTM at https://www.powermates.io/

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Upon joining Jackson State in 2020, Sanders, 55, a Pro Football Hall of Famer and two-time Super Bowl winner, essentially became a champion of football at historically Black colleges and universities. He promoted the virtues of the schools, lured top recruits away from predominantly white institutions, sparked a surge of donations and sponsorships to the underfunded Jackson State, increased national exposure for HBCUs and put up his own money to renovate the school’s Walter Payton Center.

Have you ever sold out? Even just a little bit?

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A man who has had a vasectomy still makes semen and is able to ejaculate. But the semen doesn't contain sperm. The testosterone level and all other male sex traits stays the same. For most men, the ability to have an erection is unchanged.

How common are vasectomies? About 50 million men have had a vasectomy — approximately 5% of all married men of reproductive age. More than 500,000 men elect to have vasectomies every year in the U.S.

Vasectomy is a form of male birth control that cuts the supply of sperm to your semen. It's done by cutting and sealing the tubes that carry sperm. Vasectomy has a low risk of problems and can usually be performed in an outpatient setting under local anesthesia.

Overall, vasectomies are very safe, and most people don’t have any problems. But all medical procedures have some possible risks. The most common risk with a vasectomy is infection, but those are usually minor and treatable with antibiotics. You may also have some pain, bleeding, bruising, or swelling after the procedure. Read more about vasectomy safety.

• While some health insurance plans may cover a vasectomy, the procedure is not considered an essential health benefit under the Affordable Care Act.
• A vasectomy typically costs about $1,000 out of pocket but may be a better bargain than other forms of birth control for you or your partner.

If you like thought provoking conversations about Money, Sex from Generation X subscribe to our YOUTUBE channel-just type in MONEY SEX GEN X. We are currently streaming iin 48 countries and 403 cities globally, you can find us on Apple Music, Spotify and all the major streaming platforms. If you are streaming on Apple Podcasts, go in right now and leave us a review–we’d love that!

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GAIN ACCESS TO THE CONVERSATIONS WE CAN'T HAVE ON THE MAIN FEED

• Have a voice in the show so episodes reflect the real questions, struggles, and wins you care about.
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• Get the full story behind every guest so you can learn from what they did right, what they hid, and what they regret.
• Understand how each episode was born so you can see the thought process, lessons, and strategy you can apply in your own life.
• Connect with a like-minded community so you are not doing healing, legacy building, and wealth creation alone.

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