Ask The CLO - 12.30.25

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Leonard S. Graham. Social Security disability advocate, Leonard S. Graham joined Rushion McDonald on Money Making Conversations Master Class to explain how Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) really work, who qualifies, and how misconceptions prevent people—especially within the Black community—from receiving benefits they are legally entitled to. Graham has over 35 years of experience assisting clients nationwide with disability claims, appeals, and hearings. The conversation sheds light on the disability process, eligibility, the appeals system, the role of advocates vs. attorneys, and the importance of education, honesty, and persistence in navigating Social Security. 🎯 Purpose of the Interview The interview aims to: Educate listeners on Social Security disability benefits, including eligibility, filing, and appeals. Debunk common myths, such as the belief disability is only for seniors. Explain SSDI vs. SSI, work credits, resource limits, and Medicare connections. Highlight the importance of advocacy, especially for underserved communities unfamiliar with the system. Encourage individuals not to fear or stigmatize applying for disability, and to avoid misinformation from non‑professionals. 🔑 Key Takeaways 1. Disability Isn’t Just for Seniors Many mistakenly think Social Security disability is only for people over 65, but anyone with the required work credits can qualify, regardless of age—even individuals in their 20s or 30s. 2. Working Does NOT Automatically Disqualify You Applicants can work while applying as long as they do not exceed the monthly substantial gainful activity (SGA) threshold of $1,690 per month. 3. Every Claim Is Unique—Don’t Compare Your Case to Others Graham warns clients not to take advice from neighbors or relatives because each disability case depends on medical evidence, work history, age, and individual conditions. 4. SSDI Requires Work Credits; SSI Is Needs-Based SSDI: Requires 20 credits minimum, 40 credits for maximum benefit, earned through past work. Assets do not affect eligibility. SSI: For people with low resources ($2,000 single / $3,000 married). Primary home/car do not count as resources. 5. Medicare Comes After Approval Medicare eligibility begins 24 months after being awarded SSDI benefits. 6. Appeals Are Normal—Most Initial Claims Are Denied 95% of initial applications are denied, and the real opportunity often comes during a hearing before an administrative law judge. Persistence is essential. 7. Honesty Prevents Fraud & Overpayments Applicants should always disclose their financial situation truthfully to avoid fraud investigations and repayment demands. 8. Disability Benefits Can Provide Back Pay Approved claimants often receive a Notice of Award detailing monthly benefits and any back pay owed. Representatives are only paid from back pay—not monthly benefits. 9. Stigma & Fear Prevent People from Applying Graham emphasizes that pride, fear, and misinformation often stop people—especially in the Black community—from seeking help, even when disability support could save them financially. 🗣️ Notable Quotes ✔ On Who Needs Disability “What if you get in a car accident… or have an illness and you can’t work? Those are reasons to file for disability.” ✔ On Misinformation “Don’t talk to your neighbor or relatives about your claim… Each claim is its own individual claim.” ✔ On Work Limits “You can still work and have an active claim as long as you don’t gross over $1,690 a month.” ✔ On Stigma “Some people feel applying for benefits makes them look a certain way. But the system is there to help you when you are unable to work.” ✔ On Honesty “Just tell the truth. If they catch you on the fraud side, you’ll have to pay the money back.” ✔ On Perseverance “Getting a denial is nothing out of the norm… The key is to continue with the claim.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Joxavier Jackson. A financial advisor with over 15 years of experience across major institutions such as Wells Fargo, Chase, and Bank of America. She discusses her evolution from a teenage bank teller to an independent financial planner at The Piedmont Group in Atlanta, where she provides holistic, comprehensive wealth management—especially for clients who traditionally lack access to financial literacy. Joe shares her personal journey, the gaps she observed in financial education—especially in working‑class families and communities of color—and why she aims to provide accessible, relationship‑based financial planning. She breaks down the fundamentals of long‑term wealth: insurance, asset allocation, retirement accounts, tax strategies, fraud prevention, and planning for individuals and business owners. The discussion highlights the importance of financial confidence, the significance of meeting people where they are, and the need to increase participation of Black and Brown individuals in wealth‑building spaces.   🎯 Purpose of the Interview Introduce Dr. Joe Jackson’s financial journeyFrom humble beginnings to leadership positions in banking and finally to founding her own firm.  Explain comprehensive financial planningShe contrasts big‑bank limitations with her holistic approach that includes insurance, investments, retirement, and legacy planning. Educate listeners on wealth‑building fundamentalsInsurance, retirement vehicles, asset allocation, compounding, fraud prevention, and business planning.  Highlight financial literacy gaps in underserved communitiesShe encourages access, representation, and inclusion for people of color in financial spaces.  Empower people to build confidence with moneyJoe stresses that understanding your numbers gives you a competitive advantage in life.  🔑 Key Takeaways 1. Wealth Requires Strategy, Not Accident Joe explains that wealth is built through planning, long‑term strategy, and educated decisions—not by chance. 2. Insurance Is a Wealth‑Building Tool Beyond death benefit, insurance can: Support retirement income Provide tax sheltering Protect against market downturnsShe differentiates between term (“rental insurance”) and whole life (“tool you use living and after death”). 3. High Income ≠ Financial Security Without budgeting, allocation, and strategy, income is quickly lost.  4. Fraud Awareness Is Essential Joe urges clients to verify communications directly with institutions and avoid clicking suspicious links. 5. Tailored Advice by Age Group For people in their 20s: Compounding interest Rule of 72 Dollar cost averagingFor older clients: Catch‑up contributions Consolidating old 401(k)s 6. Business Owners Need Dual Financial Plans Joe emphasizes separate strategies for: Business planning Personal financial planningEspecially for tax savings, succession, and legacy building.  7. Representation Matters in Financial Literacy She highlights the need for more visibility, education, and access for Black and Brown communities.  8. Asset Allocation Depends on Risk Tolerance Younger clients = more aggressiveRisk‑averse clients = more conservative, bond‑heavy portfolios 9. Dollar Cost Averaging Builds Wealth Consistent, automated investing—regardless of market conditions—drives compounding.  🗣️ Notable Quotes (Direct From Transcript) On Wealth Building “Wealth isn’t built by accident… you have to have a plan.”  On Big Banks vs. Her Firm “If you don’t have at least $250,000, you weren’t considered a worthy client—so far from the truth.”  On Community Access “People that look like me—we need this education.”  On Term vs. Whole Life Insurance “Term is renting. Whole life is a tool you use when you're alive and when you die.”  On Financial Confidence “Financial confidence is a competitive advantage.”  On Helping Older Clients “We start right where you are.”  On Increasing Black Participation in Finance “I don’t look at your dollar amount. I have information that will make a difference in your life… you need to hear it.”  On Her Personal Journey “My family came from humble beginnings… but a manager encouraged me to sit for my licensing. I passed everything on the first try.”    #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Robin Wilson. Topic: Clean Design, wellness, asthma and allergy–aware livingFeatured Work: Clean Design: Wellness for Your Lifestyle Robin Wilson, a clean design lifestyle expert and founder of the Clean Design Home brand, joins Rushion McDonald to discuss how everyday household choices directly impact health—particularly for people living with asthma, allergies, and chronic inflammation. Drawing from her personal experiences as a lifelong allergy and asthma sufferer, Wilson explains how creating an allergen-aware home can dramatically improve quality of life. Purpose of the Interview The primary purpose of the interview is to: Educate listeners about how indoor environments contribute to asthma, allergies, and chronic health issues Promote Robin Wilson’s Clean Design philosophy and book, which provides room-by-room guidance for creating healthier homes Raise awareness that simple, practical lifestyle changes—not expensive renovations—can significantly improve wellness Normalize conversations around asthma, allergies, and environmental triggers as serious, manageable health conditions Rushion also uses the platform to share his own deeply personal experiences with allergic reactions, reinforcing the life-changing importance of Wilson’s message.. Key Takeaways 1. Your Home Should Be a Breathing Sanctuary Wilson emphasizes that many people focus on outdoor allergens while overlooking indoor exposure. Shoes, coats, pillows, furniture, and bedding often trap pollen, bacteria, and toxins that worsen symptoms once brought indoors.. 2. Pillows and Bedding Are Major Health Triggers One of the most memorable segments centers on pillows: Many people keep pillows for six years or more Old pillows accumulate dander, pollen, drool, bacteria, and allergens A pillow that stays folded is a sign it needs to be replaced Wilson introduces her “rule of threes”: Wash pillowcases every three weeks Wash pillow protectors every three months Replace pillows every three years Rushion shares that replacing a problematic pillow helped eliminate a chronic cough that seriously affected his life.. 3. “Allergen-Aware” Is More Honest Than “Hypoallergenic” Wilson avoids the term hypoallergenic because allergies vary from person to person. Instead, she advocates for ingredient transparency, empowering consumers to decide what is safe for their bodies and homes.. 4. Small Habits Create Big Health Outcomes Key daily practices include: Removing shoes immediately upon entering the home Washing hands before eating Changing clothes after being outdoors Cleaning from the top down (ceiling fans, surfaces, floors) Protecting mattresses and pillows with zippered covers Wilson stresses that consistency—not perfection—is what reduces exposure over time.. 5. Asthma Is a Serious Chronic Condition Wilson compares asthma management to diabetes care: It requires ongoing lifestyle adjustments Ignoring triggers increases the risk of severe attacks Clean environments reduce flare-ups and emergency situations She explains that nighttime asthma and allergy attacks often occur when cortisol levels drop during sleep, allowing reactions to surface.. 6. The Book Is a Practical, Room-by-Room Guide Clean Design: Wellness for Your Lifestyle is designed as a reference guide, not a cover-to-cover read. It addresses: Entryways and living rooms Bedrooms and nurseries Kitchens and bathrooms Home offices, basements, garages, and outdoor spaces Wilson also includes low-toxicity cleaning tips inspired by her grandmother, such as using baking soda, toothpaste, and even Coca-Cola instead of harsh chemicals.. Notable Quotes “One in five people suffer from asthma or allergies… and the home should be a sanctuary for easy breathing.”. “Break up with your pillow.”. “You might be allergic outside—and then come inside and double your allergen load.”.t “Asthma is like diabetes. If you manage the triggers, you reduce the risk of a serious episode.”. “It’s all about effort and consistency.”. #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Monica Cornitcher. Entrepreneurial journey, the inspiration behind Medase Cocktails, and the realities of launching, funding, and scaling a premium nonalcoholic spirits brand in a highly competitive market. Purpose of the Conversation The purpose of the episode is to: Educate aspiring entrepreneurs on how to build a differentiated consumer brand Demonstrate the importance of storytelling, market clarity, and operational discipline Highlight the growth of the nonalcoholic / zero‑proof beverage movement Inspire founders—especially founders of color—to own their niche, seek capital strategically, and scale intentionally.  Key Takeaways 1. Business Built from Personal Need and Purpose Medase Cocktails was co‑founded by Monica and her lifelong friend during her friend’s battle with breast cancer, a time when alcohol was no longer an option—but celebration still mattered. The brand was created to allow people to celebrate authentically without alcohol It carries emotional depth rooted in friendship, gratitude, and loss Monica continues the mission after her co‑founder passed away in 2024 Lesson: Purpose-driven businesses create deeper emotional connection and long-term brand equity. 2. Differentiation Is Everything Monica deliberately rejected the “sparkling water with flavor” model common in nonalcoholic drinks. Her differentiators include: Authentic cocktail taste (Old Fashioned, Margarita, Moscow Mule) Organic juices, not artificial flavors Bold packaging that stands out on shelves Drinks designed to smell, taste, and feel like real cocktails Lesson: Competing on authenticity—not cost—is how you carve out market share in crowded spaces. 3. Brand Names and Stories Matter The name “Medase” means “thank you” and reflects gratitude, friendship, and emotional support. Monica emphasizes: Every flavor name, color, and product decision has a story A strong brand narrative creates curiosity, loyalty, and investor interest Lesson: People invest in brands they feel—emotionally, not just intellectually. 4. Venture Capital Is Not Just About Numbers While financials matter, Monica stresses that VCs also invest in founders and stories. What helped her secure venture capital: A compelling personal story Relevant founder skill sets (M&A, law, operations) Clear understanding of the market opportunity Lesson: Early-stage funding often depends on who you are and why you’re building, not just revenue. 5. Research, Planning, and Discipline Before Launch Unlike many food startups, Medase did not begin in a kitchen. They: Conducted a feasibility study Built a formal business plan Worked with a Black female food scientist Set strict personal funding limits before seeking capital Lesson: Preparation reduces risk and builds long-term sustainability. 6. Scaling Requires Operational Maturity As sales increased—especially on Amazon—Monica emphasized the need to move from “hustle mode” to operational excellence. Key scaling principles: Understand unit economics Track ROI for events and activations Adjust pricing as volume increases Build strategy across marketing, operations, and distribution Lesson: Hustle starts the business; operations grow it. 7. Niche First, Expansion Later Medase does not try to be “everything to everyone.” Core customers include: People seeking a break from alcohol Health-conscious consumers Black men looking for alcohol replacements Consumers wanting cocktail taste without hangovers Lesson: Strong niches create loyal advocates who fuel organic growth. 8. Smart Distribution Strategy Rather than rushing into retail, Monica prioritized direct-to-consumer channels: Amazon (top-performing channel) Brand website TikTok Shop Only after 6–7 months of traction did retail expansion become viable. Lesson: Control your margins and demand before entering expensive retail environments. Memorable Quotes “I wanted an authentic cocktail without compromise.” “Everything we do has a story behind it.” “Sometimes it’s not about the financials—it’s about the founder and the story.” “Don’t be everything to everybody. Find your market and stick with your market.” “Hustle starts the business, but operations give you scale.” “If it tastes too much like alcohol and you gave me a one-star review—thank you. That means I did my job.” Overall Message This episode is a real-world entrepreneurial blueprint showing how clarity of vision, emotional authenticity, disciplined planning, and niche focus can turn a personal idea into a scalable national brand. Monica Cornitcher exemplifies the modern founder:visionary, data-aware, emotionally intelligent, and unapologetically authentic. #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed T.M. Robinson-Mosley. Summary of the Interview: Dr. T.M. Robinson-Mosley on Money Making Conversations Masterclass Dr. T.M. Robinson-Mosley—founder of The Playbook, an award‑winning mental‑health‑performance sports‑tech company—joins Rushion McDonald to discuss how her platform is transforming athlete care, team culture, and performance measurement. The Playbook uses AI‑powered, gamified psychological assessments to measure stress, resilience, and overall mental well‑being across youth, collegiate, professional, and military sports environments. Mosley explains how mental health—long treated as unmeasurable and stigmatized—is finally becoming trackable, private, and actionable. The Playbook provides real‑time alerts, data‑driven insights, and ecosystem‑wide tools for coaches, trainers, clinicians, and entire organizations. She also shares her journey as a non‑coding tech founder, the scaling challenges brought on by the pandemic, and the broader impact The Playbook is poised to have across corporate, construction, military, and other high‑stress fields. Purpose of the Interview 1. Introduce and explain The Playbook To present The Playbook as a next‑generation mental health performance platform that quantifies mental well‑being, provides action plans, and enhances team culture.  2. Elevate the conversation around athlete mental health Mosley breaks down stigma, highlights real athlete stories, and explains why mental analytics are as critical as physical analytics.  3. Show how the platform uses technology to prevent crises The Playbook provides early detection, privacy protection, and immediate care support—catching problems before they become crises. 4. Highlight the expansion beyond sports Although built in sports, the platform is already being requested by industries like construction, healthcare, first responders, and more. ] 5. Demonstrate the business model As a SaaS B2B platform, The Playbook sells licensed subscriptions to organizations, teams, and associations. Key Takeaways 1. Mental health can be measured—and must be The Playbook converts psychological assessments into quantifiable metrics similar to heart rate or step count.Athletes receive resilience, stress, and well‑being scores—like a “mental batting average.”  2. The platform offers real-time alerts If an athlete’s score enters the “red zone,” coaches/clinicians receive immediate alerts with steps to take within 24 hours.  3. Privacy is paramount The Playbook is HIPAA‑compliant, mobile, secure, and built to protect athlete data from misuse (e.g., contract negotiations). 4. Mental analytics are the next frontier of sports Teams already use physical analytics. Now they can use mental analytics to track performance, prevent burnout, and reduce crises. 5. Built for the entire ecosystem—not just athletes Coaches, front offices, sports medicine staff, and military leadership also use the platform—promoting culture-wide mental health.  6. The Playbook is expanding beyond sports Industries with high stress—construction, medicine, law, emergency responders, veterinarians—are already approaching Mosley to adapt the system.  7. A critical solution for underserved communities The platform makes mental health care accessible, private, digital, and stigma‑free—especially for youth and communities of color.  8. Performance is universal Whether you’re an athlete, military member, parent, or worker—your mental state impacts how you perform. Performance is “agnostic.” [ 9. Mosley’s journey shows innovation can come from anywhere She is a non‑coding tech founder, originally trained as a psychologist working across the NBA, NFL, NCAA, and Olympic sports. [T.M. ROBINSON MOSLEY | Txt] Notable Quotes On what The Playbook does “We measure mental health metrics like resilience, stress and overall well‑being using gamified psych assessments.” “Mental health becomes measurable—like a batting average.” [ On why athletes need this “Elite athletes report battling depression and anxiety so severe they find it difficult to function, let alone perform.”  On the power of technology “If we don’t measure something, we’re saying it doesn’t matter.” “We use AI and machine learning to quantify mental health status.”  On privacy “We are a HIPAA‑compliant platform… we don’t sell your data.”  On team culture “Building a winning team culture is everybody’s everyday work.”  On mental and physical health “If you are not mentally healthy, you are not able to perform at the highest level.”  On the future outside sports “Who doesn’t want to train like an athlete?” “Performance is agnostic.”  On purpose “How do we make something exclusive accessible?” “This is mental health care—it’s just a different version of it.”  In One Sentence The interview reveals how Dr. T.M. Robinson-Mosley’s Playbook uses AI‑driven mental health metrics to revolutionize athlete care, provide real‑time performance insights, and expand mental wellness tools far beyond sports into everyday life. #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Cameka Smith. Founder of The BOSS Network, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Highlight The BOSS Network’s mission to empower women of color through entrepreneurship, career development, and community support. Share Dr. Smith’s personal journey from layoff to leadership, inspiring others to embrace entrepreneurship. Discuss strategies for business success, funding opportunities, and mentorship for Black female founders. Key Takeaways Origin of The BOSS Network Founded in 2009 during the recession after Dr. Smith was laid off from Chicago Public Schools. Initially started as local events in Chicago; now a digital community reaching 200,000 women nationwide. Mission: Bringing Out Successful Sisters (BOSS)—promoting small business spirit and career growth. Impact & Achievements Invested in 100 Black female founders through grants. Trained 50,000 women on business strategies. Coached 10,000 women on starting businesses. Created Boss Business University, offering mentorship and digital programs. Pivot During COVID Shifted from 35% event-based revenue to 75% digital. Launched Boss Impact Fund and Invest in Progress Grant: $10,000 grants + 4-year scholarships for recipients. Combined funding, mentorship, and marketing support for sustainability. Challenges & Mindset Entrepreneurship requires planning, resilience, and community support. Dr. Smith saved money before leaving her job and leveraged relationships for growth. Quote: “Entrepreneurs will work 80 hours for themselves but don’t want to work 40 hours for someone else.” Top 3 Mistakes Entrepreneurs Make Lack of research: Understand your industry, competitors, and market. No revenue model: If you’re not making money, it’s a hobby, not a business. Ignoring relationships: Networking and partnerships are key to success. Unique Marketing & Partnerships Dr. Smith built direct relationships with brands, bypassing agencies that offered “pennies on the dollar.” Created a dual revenue model: B2B (corporate partnerships) + B2C (community engagement). Core Philosophy Motto: Believe, Plan, Win. Quote: “Those that show up, go up.” Success is rooted in faith, persistence, and leveraging community. Notable Quotes “I was born to be an entrepreneur. My mother told me, until you become your own boss, you have to follow the rules.” “Less than 1% of Black women get VC funding—so we created our own fund.” “Relationships are your key to success. When social media goes away, your audience remains.” “If you have a business and you don’t have money, you’ve got a hobby.” “God will not birth anything inside of you that He will not give you the tools to deliver.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Justin M. Lee. Purpose of the Interview To showcase Dr. Lee’s journey from a young real estate agent to a multi-industry entrepreneur. To inspire listeners with strategies for wealth-building through real estate, construction, and logistics. To encourage financial literacy, ownership, and collaboration within underserved communities. To issue a call to action for minorities to explore opportunities like Amazon DSP and real estate investment. Key Takeaways Early Career & Education Started young in real estate, embraced discomfort in rooms dominated by older professionals. Leveraged millennial tech skills (social media marketing) to help veteran brokers grow. Earned a doctorate degree and became a licensed real estate broker. Social Media as a Business Tool Built a strong presence on TikTok (90K followers) and other platforms. Helped older real estate firms thrive by creating digital visibility. Emphasized that “business must look as good online as in person.” Financial Literacy & Homeownership African-American communities often lack foundational financial knowledge. Key barriers: misunderstanding credit, fear of debt, and lack of exposure to ownership benefits. Advocates teaching the difference between good debt (real estate) and bad debt (consumer credit). Real Estate Process Initial onboarding: credit score, income, tax filing. Connect clients with lenders, secure pre-approval, then negotiate and close within 30–45 days. Uses property tours as motivation even for those not yet approved. Pooling Resources for Wealth Industry dominated by white men and foreign investors who use syndication. Dr. Lee created a private family fund with fraternity brothers and friends. Acquired 150+ apartment units and commercial properties by pooling resources and forming LLCs. Amazon DSP Opportunity Owns an Amazon Delivery Service Partner business (42 trucks, 200 employees). Offers minorities a chance to apply for DSP with $10K grant. Taught him true CEO skills: HR, payroll, compliance, and scaling operations. Construction Business Entered construction after experiencing exploitation in fix-and-flip projects. Learned the business side (permits, change orders) and got licensed. Built major projects like a 10,000 sq. ft. restaurant in Atlanta. Advocates for Black representation in construction, an industry dominated by whites and Hispanics. Personal Background Raised in New Orleans during Katrina by a single mother and grandparents. Mother invested FEMA checks into real estate, teaching him property management and renovation skills early. Believes knowledge is power and emphasizes planning and consistency. Notable Quotes On embracing discomfort:“I learned to embrace the uncomfort and make it one of my biggest strengths.” On social media:“You have to make your business look the same way online as in person.” On financial literacy:“Real estate is always going to be good debt. Bad debt is the Macy’s card.” On collaboration:“Pooling resources shows how far we can go and how fast we can go—but together.” On planning:“If you don’t plan, you plan to fail. All you have to do is stick to the plan.” #SHMS #STRAW #BESTSteve 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.