The Black Currency

We're back and kicking off a new season of The Black Currency Podcast! In Episode 14, we look at the side of financial literacy that doesn't get talked about enough: the emotional side.

Budgeting, saving and investing information is everywhere, from the 50/30/20 rule to opening a brokerage account. So why do so many people still struggle with money? We talk about whether the real gap is knowledge or behavior, how your upbringing shapes the way you spend, and why self-control and delayed gratification might be the biggest wealth-building skills of all.

In this episode:
• Are most people broke because they don't know enough about money, or because they can't control their behavior?
• Is overspending an income problem or an emotional regulation problem?
• Why so many athletes lose their fortunes, and what that teaches the rest of us
• Would you give a 21-year-old $100K, or the discipline to build $100K?
• How your childhood relationship with money shapes you as an adult, from scarcity mindset to abundance
• What matters more for long-term success: managing your money or managing yourself?

We also talk about making saving and investing "fly" in our community, the need for money therapists who can help with financial trauma, learning to say no to protect your peace, and why gratitude matters in money management.

📣 Pitch Competition, November 16th, 2026: Founders can pitch to raise money for their business, and anyone can come watch and learn how companies pitch to VCs. DM us on Instagram or email [email protected] to get involved.

Chapters
00:00 Intro & new season kickoff
01:24 Broke: lack of knowledge or lack of discipline?
05:58 Overspending: income problem or emotional problem?
12:55 $100K vs. the discipline to build $100K
18:15 How your childhood shapes your money habits
24:58 Managing your money vs. managing yourself
30:05 Wrap-up & October pitch competition

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🌐 Visit: www.theblackcurrency.io
📲 Follow us: @TheBlackCurrency on Instagram, TikTok, Threads & more
💸 Pitch Competition – Fall 2026: Sign-ups now open to win $10,000 in business funding!

👉 Don’t forget to like, comment, and subscribe — and drop your thoughts below on the FinTech tools you can’t live without.

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In this episode of The Black Currency Podcast, the crew shifts focus from culture to currency, breaking down the evolution of financial technology — from the early days of ATMs and online banking to today’s AI-powered budgeting tools, blockchain innovations, and seamless payment experiences. With over a decade of combined tech industry experience, Ackeem, Rod, and Kwame share insider perspectives, personal stories, and practical tips on navigating money in a digital-first world.

🔍 Topics Covered:

• The hosts’ career journeys in tech & FinTech

• Key milestones in the evolution of financial technology

• Favorite apps for money management & investing

• What makes a great FinTech product (security, integration, dashboards & more)

• AI’s growing role in personal finance

• The future of blockchain, stablecoins, and decentralized banking

• Why diversification still matters in an all-digital economy

Whether you’re a casual Cash App user, an investor exploring crypto, or just curious about the future of money, this episode delivers real talk, practical insights, and a forward look at the tools reshaping how we earn, save, and spend.

🌐 Visit: www.theblackcurrency.io
📲 Follow us: @TheBlackCurrency on Instagram, TikTok, Threads & more
💸 Pitch Competition – Fall 2025: Sign-ups now open to win $10,000 in business funding!

👉 Don’t forget to like, comment, and subscribe — and drop your thoughts below on the FinTech tools you can’t live without.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

In this episode of The Black Currency Podcast, the crew shifts gears from sports to sound, diving deep into the evolution of the music industry in the digital age. From bedroom studios to billion-dollar streams, we explore how social media, AI, and independent distribution are rewriting the rules of music success.

🔍 Topics Covered:

• The rise of the independent artist in 2025

• AI’s impact on production, discovery & performance

• 360 deals & why artists are pushing back

• Royalty splits, ownership, and legal literacy

• Oversaturation vs. artist development

• Whether labels will survive in a decentralized music world

Whether you're an artist, entrepreneur, or fan of the game, this episode delivers real talk and financial literacy on the future of music, money, and ownership.

🌐 Visit: www.theblackcurrency.io
📲 Follow us: @TheBlackCurrency on Instagram, TikTok, Threads & more
💸 Pitch Competition – Fall 2025: Sign-ups now open to win $10,000 in business funding!

👉 Don’t forget to like, comment, and subscribe – and drop your thoughts below on where you see music heading next.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

In EP11 of The Black Currency Podcast, we explore how athletes are flipping salaries into empires. From LeBron and Serena to KD and A-Rod, today’s stars are building wealth through tech, real estate, media, and more.

We cover the wins, the losses, and the lessons—from Allen Iverson’s struggles to the rise of NIL deals and venture plays. Whether you're a pro athlete or a 9-to-5er, the mindset is the same: ownership over endorsement, legacy over lifestyle.

Tap in and learn how to turn influence into impact.

Visit: www.theblackcurrency.io
Follow: @TheBlackCurrency on IG, TikTok, and more
Pitch Competition → Fall 2025 Sign-Up Open Now

#BlackCurrency #AthleteEntrepreneurs #GenerationalWealth #FinancialLiteracy #TBC

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Certified financial planner and Zenith Wealth co-founder Chelsea Ransom-Cooper joins TBC to talk about her mission to empower women and minority communities financially. Chelsea shares her journey from public accounting to private wealth management, discusses the importance of financial literacy for women, and reveals how overcoming personal and societal financial barriers can unlock lasting wealth. Tune in for powerful lessons on money, mindset, and closing the wealth gap.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

In celebration of Women's History Month, the TBC team takes you behind the scenes of the WNBA, exploring the economics and rapid growth of women's basketball. Learn how revenue streams, salaries, and media exposure compare to their NBA counterparts, and why the league is set to soar in popularity. Whether you're a basketball fan or curious about sports business, this episode provides fascinating insights into the economics driving women's sports today.

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Ever wonder why saving money feels so challenging, especially on a tight budget? In this episode, the TBC crew dives deep into common personal finance mistakes—from unrealistic saving goals to failing to track your spending. Learn practical budgeting methods, discover the power of automated savings, and hear real-life stories of financial recovery. Avoid the pitfalls and turn your financial missteps into lasting money habits.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

In this episode, we explore how a new presidency could impact your finances, from policy changes and taxes to student loans, homeownership, and business opportunities. The TBC team shares tips on preparing for economic shifts, adapting to new financial landscapes, and making informed money moves, regardless of the political climate.

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In this episode, we explore how your financial choices reflect your priorities, unpacking the 50-30-20 rule and the impact of money on relationships, goals, and career moves—often driven by survival over intention. We also welcome Rodney Green, who has been working behind the scenes to build key partnerships and now joins the podcast. Tune in for insights on aligning your finances with your values and making intentional money moves.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

In this episode, we explore the art of juggling a thriving business and a successful career at the same time. We discuss time management strategies, setting priorities, and maintaining a healthy work-life balance. Learn from real-life experiences and practical tips on how to stay organized, focused, and driven. Tune in for an engaging discussion on mastering the balance between entrepreneurial ambitions and professional commitments.

Hosted on Ausha. See ausha.co/privacy-policy for more information.