Life insurance isn’t just for funerals — it's one of the most powerful wealth-building tools available. In this episode, we break down how strategic life insurance planning can help you build generational wealth, create tax-free retirement income, access cash-value for investing, fund your business, protect your family, and shift your entire financial legacy. From insurance policies used by high-net-worth families, we uncover real strategies the wealthy use — and how everyday families and entrepreneurs can do the same.

This episode features Michelle Pendleton-Johnson, Founder & CEO of Eternity Insurance Agency — a veteran insurance broker and wealth strategist with 30+ years helping individuals, families, and business owners secure financial freedom through smart insurance solutions.

Hosted by Marjorie E. Roberts, Senior Accountant, CEO of Roberts Mangum & Bennett Consulting, and Founder of The Money Variable, who is dedicated to advancing financial literacy, business preparedness, and wealth education in underserved communities, particularly entrepreneurs and small business owners.

If you're serious about financial freedom, protecting your family, building Black wealth, or using insurance to create real lifetime income and long-term security — this conversation is for you.

In this powerful episode, Dr. Nikisha Ware — Chief Impact Strategist and founder of Divergent Life Solutions — breaks down the truth about using life insurance as a tool for wealth-building, emotional stability, and generational legacy. Dr. Ware explains how women — especially mothers, professionals, and entrepreneurs — can leverage whole life, term life, and IUL (Indexed Universal Life) insurance to build cash value, fund business growth, pay off debt, create tax-free retirement income, and protect their children and household. She also dives into key person insurance, buy-sell agreements, retirement rollovers, beneficiary planning, mental and emotional wellness around money, and building a family legacy through life insurance and trusts.

Dr. Ware sits down with Marjorie E. Roberts, Senior Accountant/CEO of Roberts Mangum & Bennett Accounting Firm and Founder of The Money Variable Non-Profit, for a transformational conversation designed to give clarity and confidence to women looking to secure their financial future, build generational wealth, and approach money with peace instead of fear — while highlighting the importance of guidance, strategy, and emotional support on the journey to financial freedom.

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This episode breaks down the real-life financial pitfalls entrepreneurs face when they blend personal spending with business bank accounts — and how unresolved financial trauma often influences those decisions. Many business owners struggle to separate business and personal money, and the truth is, your personal spending habits will always show up in your business.

In this episode, Marjorie E. Roberts, Senior Accountant & CEO of Roberts Mangum & Bennett Accounting Firm, explains why using your business account like a personal wallet can sabotage your bookkeeping, tax planning, payroll, and long-term business stability. She also shares practical strategies to build healthier money habits, set up proper financial systems, pay yourself the right way, and avoid emotional spending disguised as “business decisions.”

Whether you're a new entrepreneur or growing your business, this conversation will help you create financial discipline, protect your business account, and build a solid foundation for long-term wealth — both personally and professionally.

Key Topics:

• Untangling business vs. personal finances
• Financial trauma and emotional spending triggers
• Common business banking mistakes and how to prevent them
• How to properly pay yourself as a business owner
• Setting up systems for taxes, payroll, and accountability
• Why mixing accounts harms business growth and planning

Licensed professional counselor Leona Bishop, Eds, LPC-S joins The Money Variable Podcast to unpack how financial trauma and emotional patterns shape the way we earn, spend, and save. With over 30 years of experience in trauma-informed therapy, EMDR, and Internal Family Systems (IFS), Leona shares how unhealed money wounds can create fear, avoidance, and overspending—and how true healing begins within.

Hosted by Marjorie E. Roberts, Senior Accountant, CEO of Roberts Mangum & Bennett Consulting, and Founder of The Money Variable Nonprofit Organization, this episode bridges mental health, money mindset, and financial freedom. Learn how to regulate emotions, reframe scarcity thinking, and take control of your financial story.