Ask The CLO - 3.6.26

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 Heather Younger. Founder and CEO of a leading employee engagement and workplace culture consulting firm: 🎙️ Interview Summary Guest: Heather R. YoungerRole: CEO, workplace culture consultant, author, speakerTopic: Employee engagement, workplace culture, self-leadership, and overcoming fear 🧭 Purpose of the Interview To explore Heather Younger's journey as a workplace culture expert, her insights into employee engagement, and her new book The Art of Self-Leadership. The conversation centers on empowering individuals to lead themselves, navigate workplace challenges, and overcome fear to unlock personal and professional growth. 🔑 Key Takeaways 1. Employee Advocacy & Engagement Heather has read over 30,000 employee surveys and facilitated 100+ focus groups. She emphasizes active listening and creating safe spaces for employees to express concerns. Her mission is to amplify the voices of employees, especially during organizational transitions like mergers. 2. Self-Leadership & Personal Growth Heather encourages individuals to be their own advocates and not wait for others (including HR) to “save” them. She promotes intentional reframing—shifting negative thoughts into rational, empowering ones. Her new book, The Art of Self-Leadership, includes exercises like fear mapping to help readers identify and overcome internal barriers. 3. Navigating Fear in the Workplace Heather outlines five ways fear holds people back professionally: Fear of feedback – avoiding growth due to fear of criticism. Fear of retribution – hesitating to speak up. Fear of speaking truth to power – lacking psychological safety. Inherited fears – generational or cultural fears that shape behavior. Fear of regret – not taking action and living with “what ifs.” 4. Daily Practices for Mental Strength Reflect nightly on what went well and what you controlled. Practice gratitude and mindfulness. Prioritize sleep, hydration, and mental clarity. Treat each day as a chance to iterate and improve. 💬 Notable Quotes “I needed to be the change I was seeking.” “Feedback is a gift—even if it hurts.” “You have to fight tooth and nail for your own mental space.” “Don’t wait to be invited—ask.” “See yourself as a work in progress, not a finished product.” 📚 Book Mentioned Title: The Art of Self-Leadership Focus: Empowering individuals to lead themselves through fear, change, and uncertainty 📞 Contact Info Website: HeatherYounger.com LinkedIn: Heather R. Younger Social Media: Active on YouTube, Facebook, Twitter, Instagram   #STRAW #BEST #SHMSSteve 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 Ryan Richmond and Greg Bowman. Co‑owners of Popcorn Remix, a Georgia‑based gourmet popcorn brand known for more than 60 innovative flavors ranging from King Crab Legs to Charlene’s Banana Pudding to chocolate‑covered strawberry. Together they share their partnership story, the origin of Popcorn Remix, the explosive growth of their brand, how they built a powerhouse fundraising platform (WePowerFundraisers.com), their expansion into major sports and entertainment venues, and the unique combination of hustle, creativity, faith, and community service that drives their success. 🎯 Purpose of the Interview The interview was designed to: 1. Highlight the Popcorn Remix brand and its explosive growth From a storefront in Conyers, GA, to Mercedes‑Benz Stadium, Truist Park, the Georgia World Congress Center, the Atlanta Dream, and major convention centers. 2. Showcase their entrepreneurship journey as Black founders They share how they partnered, overcame limitations, created their own lane, and scaled a product category long dominated by major national brands. 3. Promote their fundraising platform (WePowerFundraisers.com) A system that gives organizations up to 50% of gross sales, ships popcorn directly to supporters, and supports churches, schools, nonprofits, cheer teams, and more. 4. Inspire entrepreneurs Greg and Ryan share candid advice on partnership, sacrifice, differentiating your product, and believing in your gifts. 💡 Key Takeaways 1. A Powerful Partnership Built on Hustle, Trust & Alignment Greg and Ryan met years ago through a men’s empowerment group and eventually partnered after Greg conceived the popcorn concept.Ryan didn’t have the money but had “all the hustle in the world”—and that’s the partnership foundation.  They call themselves the Visionary & Executioner, committing to outwork anyone and always show up for each other. 2. Popcorn Remix Was Created to “Remix” What Popcorn Could Be The brand name came from their church’s theme, “Year of the Remix.”They wanted flavors never seen before: butter pecan, crab legs, chocolate‑covered strawberry, cookies and cream, lemon pound cake, jerk chicken, etc. [ Only three people in the world know the signature butter pecan formula. 3. Their Innovation Extends Beyond Flavors — Even the Kernels Are Different They use “mushroom” kernels (round, fluffy) instead of standard “butterfly” kernels to prevent breakage, reduce seed fragments, and support orthodontic patients. [ Their popcorn is fluffier, smoother, and more versatile for gourmet coating. 4. The Storefront Is an In‑Person Experience The Conyers, GA store provides: Free sampling of all 60+ flavors Music based on the time of day Engaging, fun staff Fresh gourmet popcorn made on-site The storefront is intentionally designed to be a “vibe.” 5. Live Activations Are Their Secret Weapon Their background in music and entertainment helps them: Work crowds Convert curious customers into buyers Perform high‑energy demos Showcase “activation flavors” like Lemon Pound Cake, which comes with instructions  These activations drew attention at Falcons games, arenas, conventions, and more. 6. Popcorn Remix Is in Major Venues Across Georgia They have partnerships with: Mercedes‑Benz Stadium (all levels) Truist Park / Atlanta Braves State Farm Arena Atlanta Dream Georgia World Congress Center Georgia International Convention Center They’re a favorite for cheer, volleyball, and large-scale events. 7. Their Brand Went Viral — Celebrities and even the White House Took Notice Celebrity/luminary support includes: Whoopi Goldberg Daymond John Sherri Shepherd Anthony Hamilton Cathy Hughes (Radio One/TV One founder) The White House (Hip-Hop 50th celebration invitation) Their popcorn has literally made it to the White House.  8. Their Fundraising Platform Is a Game-Changer WePowerFundraisers.com gives: Up to 50% of gross sales to organizations Automated direct‑to-door delivery No upfront costs 10‑day fundraiser windows Ten curated flavors for easy purchase They’re now targeting national Greek organizations (“Divine Nine”) to scale. [ 9. Massive Growth: $1.5 Million in 3 Years They realized they “had something” when they hit $1.5 million in revenue, without debt, and only two founders running things. They even had to turn down a $4M deal because they didn’t yet have the production capacity—prompting them to invest heavily in a new warehouse. 10. They Reinvented Their Ops with Subscriptions & TikTok Shops They recently added: A monthly popcorn subscription A TikTok Shop that allows creators to sell Popcorn Remix and earn revenue  These innovations help them scale nationally. 🗣 Notable Quotes (with citations) On their partnership “He said, ‘I ain’t got a whole bunch of money… but I got all the hustle in the world.’”  On their role to each other “I refuse to be outworked… whenever you call, I’m available.”  On Popcorn Remix’s purpose “We want to remix popcorn… make it unlike anything you’ve ever seen before.”  On competition “When you're going against a giant, you gotta have something real… We had a rocket launcher.”  On their breakthrough moment “We grossed $1.5 million in three years… from popcorn. I knew we had something.”  On celebrity validation “When Whoopi sent the picture… and then the White House… that was it.”  On entrepreneurship “Dreams don’t expire. How you start is not how you finish.”  On community fundraising “It’s one thing to ask for something. It’s another to give something back.”  #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Keep It Positive, Sweetie is more than a podcast—it’s a movement rooted in purpose, faith, and healing. Hosted by Crystal Renee Hayslett, this show creates a safe space for raw conversations and real connections that uplift, inspire, and empower. Each episode brings together culture-shifting guests for unfiltered talks on love, self-worth, growth, and navigating life with grace and grit. Whether we’re laughing, learning, or leaning into tough truths, the goal is always the same: to keep it honest, keep it healing, and always… Keep It Positive, Sweetie. Listen here and subscribe to Keep it Positive, Sweetie on the iHeartRadio app or wherever you get your podcasts!Steve 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 Kevin Cohee.Title: Owner, Chairman & CEO of OneUnited BankHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities. Purpose of the Interview The interview is designed to: Educate listeners on why Black-owned banks matter historically and economically. Explain how technology has transformed banking, making location irrelevant. Address financial exclusion, particularly reliance on check-cashing services. Promote financial literacy as the foundation of wealth creation. Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity. Key Themes & Takeaways 1. A Mission Rooted in Black History Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend. Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank. Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes. Takeaway: Economic independence has always been central to Black progress. 2. From Brick-and-Mortar to Digital Banking OneUnited originally grew by acquiring small Black-owned banks nationwide. The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access Physical branches are no longer required Digital reach enables national—and global—impact Key insight: Technology allowed OneUnited to become a national Black bank without national branches. 3. Financial Technology Built for Real-Life Problems Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms. Examples include: Second-chance checking accounts Emergency small-dollar loans Alternative credit criteria Nationwide surcharge-free ATM access AI-powered tools that help users understand: Cash flow Assets vs. liabilities Net worth (or debt) Financial decision-making in real time Takeaway: Banking should help people function—not punish them for past mistakes. 4. Financial Literacy Is the Real Wealth Gap Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education He compares this to not teaching reading—and then blaming people for illiteracy. OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts. Key message: Financial literacy, not income alone, determines long-term wealth. 5. Ending Dependence on Check-Cashing Services Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods. OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches. Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com. Takeaway: Lack of access is no longer an excuse—awareness is the missing link. 6. Technology as the New “40 Acres” Kevin draws a powerful parallel: Land ownership was once the primary source of wealth. Technology and financial literacy are today’s equivalents. Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage. Key insight: Technology levels the playing field—if people understand how to use it. 7. Mandatory Financial Literacy as a Policy Solution Kevin advocates for required financial literacy courses in all U.S. schools. He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student. He frames this as a matter of equity, not preference. Takeaway: Systemic problems require systemic solutions. Notable Quotes “The concept of a national Black-owned bank goes all the way back to slavery.” “We’re not behind in technology—we are the party.” “Ninety percent of Americans are not financially literate.” “You don’t have to go to check cashers and get ripped off.” “Technology is the new 40 acres.” “Financial literacy alone can generate over $100,000 in net worth per person.” “There has never been a better time to build a business than right now.” Overall Impact This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as: A modern solution to historic exclusion A technology-first institution built for underserved communities A catalyst for financial literacy, entrepreneurship, and wealth creation Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage. #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 Lawrence Phillips.  Purpose of the Interview To showcase Lawrence Phillips’ entrepreneurial journey from engineering to founding Green Book Global, a travel review platform for Black travelers. To highlight the significance of Black Ambition, an initiative by Pharrell Williams supporting Black and Brown entrepreneurs. To inspire listeners about resilience, innovation, and the importance of culturally inclusive travel resources. Key Takeaways Background & Career Shift Phillips studied Electrical Engineering at Georgia Tech and worked at Accenture in IT consulting for nearly a decade. Despite career success, he felt unfulfilled and decided to pursue his passion for travel, leading to the creation of Green Book Global. Travel Experience Traveled to 30+ countries across all seven continents, including Antarctica, in less than a year. Realized the need for a platform addressing “traveling while Black” concerns—safety, cultural acceptance, and inclusivity. Green Book Global Inspired by the historical Green Book (1936–1966), which guided Black travelers during segregation. Offers city-level Black-friendly scores, road trip planners, and Black-owned restaurant recommendations. Over 150,000 app downloads in 2025; partnered with Expedia; strong social media presence. Black Ambition Program Phillips applied three times before reaching semifinals, emphasizing persistence. Program provided funding opportunities and a transformative Evoke Wellness experience. His personal “why” statement:“I’m a protective and innovative steward of Black restoration and healing.” Impact & Vision Advocates systemic change by partnering with destinations to improve inclusivity. Highlights the economic power of Black travelers (over $140 billion annually). Encourages Black travelers to explore global opportunities beyond U.S. racial constraints. Notable Quotes “You can be successful and still not be happy.” — On leaving a lucrative career for passion. “I’m a protective and innovative steward of Black restoration and healing.” — His guiding principle. “There’s riches in niches.” — On unapologetically focusing on Black travelers. “Just because somebody said no doesn’t mean they said no to you—they said no at that time.” — On persistence in entrepreneurship. #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 Kimberly Kelly. Titles: Real Estate Broker, Brokerage Owner, EntrepreneurHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kimberly Kelly shares a deeply personal story of survival, resilience, and self-determination, tracing her journey from foster care and teen motherhood to becoming a real estate brokerage owner and business leader. The conversation highlights how mindset, faith, adaptability, and education can transform adversity into long-term success. Purpose of the Interview The interview is designed to: Show what success really looks like, including the hardship behind it. Inspire people facing extreme adversity—especially those from foster care, single-parent households, or teen parents. Demonstrate nontraditional paths to success, beyond college-to-career pipelines. Highlight entrepreneurship as a tool for control and stability, not perfection. Encourage persistence, faith, and adaptability in business and life. Key Themes & Takeaways 1. Resilience Formed Through Early Adversity Kimberly was placed in foster care at a young age due to her mother’s substance abuse. She helped raise her two younger brothers and fought to keep them together in foster care. She became a teen mother at 15, and by 18 had two children while still caring for her siblings. Takeaway: Responsibility and leadership can develop long before opportunity appears. 2. Faith, Positivity, and Survival Mode Kimberly credits her positive mindset and faith—learned during foster care—as foundational. Prayer and belief helped her endure instability, separation, and lack of support. Survival mode gave her clarity: failure was not an option. Key insight: Faith doesn’t remove hardship—but it provides grounding when control is limited. 3. Education as a Turning Point, Not a Straight Line She returned to complete her high school diploma as a young mother. She took advantage of teen workshops, government programs, and training opportunities. Kimberly earned a technical degree in electronics engineering, entering the IT world before later pivoting. Takeaway: Education can be layered, nonlinear, and still powerful. 4. Choosing Entrepreneurship and Real Estate Kimberly entered real estate with a mission to educate and empower first-time homebuyers, especially those from backgrounds like hers. She later became a licensed real estate broker and opened her own brokerage. She currently leads a small, relationship‑driven brokerage with six agents. Core belief: Ownership creates options—and leadership multiplies impact. 5. A Relationship-Based Business Model Her brokerage focuses on: One-on-one agent training Hands-on mentorship Personalized marketing strategies Kimberly intentionally avoids a corporate-style model to prioritize growth, trust, and accountability. Key takeaway: Culture and connection matter more than size, especially early on. 6. Adaptability as a Business Strategy During market changes (including COVID), Kimberly expanded into: Property preservation Repair, inspections, and asset management services She co-owns multiple businesses with her husband, spreading risk and stabilizing income. Lesson: The ability to pivot often determines long-term survival in business. 7. Refusing to Accept Limiting Narratives Kimberly rejects the idea that her background should define her ceiling. She emphasizes self-talk, belief, and forward motion—even without a support system. Her story challenges stereotypes about: Foster youth Teen mothers Single Black women in business Nontraditional entrepreneurs Takeaway: Your starting point does not determine your finish. Notable Quotes “I always lived in survival mode—failure was never an option.” “I had to raise myself, so I had to believe in myself.” “If I did it from where I came from, I promise you—you can do it too.” “Always stay adaptable. The market changes, so you change with it.” “Put one foot in front of the other, even when it feels like the world is caving in.” “Success was never something I thought I couldn’t have—I just had to figure out my path.” Overall Impact Kimberly Kelly’s interview is a testament to perseverance without privilege. It reframes success as a product of: Relentless forward motion Learning wherever possible Faith and internal motivation Ownership, adaptability, and leadership Her story resonates most powerfully with listeners who have been told—directly or indirectly—that their circumstances disqualify them from success. Final message: There are no excuses left after hearing this story—only choices. #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 Adonis Lockett. Titles: Private Capital Expert, Real Estate Investor, EducatorBackground: Former engineer for NASA, Boeing, Lockheed Martin, CaterpillarHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Adonis Lockett details his transition from aerospace engineering into real estate and private capital, explaining how he built wealth not just by flipping houses—but by operating on “the money side of real estate.” The interview demystifies private lending, access to capital, and how everyday individuals can participate in wealth-building without owning property themselves. Purpose of the Interview The interview aims to: Expose a lesser-known path to real estate wealth—private money and capital brokering. Challenge myths about cash buyers, flipping profits, and bank lending. Educate listeners on leverage and capital access, especially those rejected by traditional banks. Provide a practical alternative income stream that can be part-time or full-time. Introduce Adonis’s “Smart Money Blueprint” as an educational pathway into private capital. Key Themes & Takeaways 1. Engineering Was a Backup—Entrepreneurship Was the Goal Adonis earned a degree in Electrical & Mechanical Engineering, never intending to stay long-term in corporate. His engineering career provided income stability while he explored entrepreneurship. He viewed employment as predictable—but limiting. Takeaway: A high-paying job can fund your exit, not define your destiny. 2. The Leap Into Real Estate—and the Reality Behind It His first deal closed in 62 days, earning more than his annual engineering salary. He quit corporate at age 23, but what followed were four to five years of financial struggle. He survived by borrowing money monthly while peers thrived in corporate roles. Key insight: Early wins can be misleading—longevity requires business mastery, not just intelligence. 3. Ego vs. Education Adonis admits his biggest mistake was underestimating the need to learn business. He relied on intelligence and people skills instead of mentorship and systems. Perseverance saved him—but mentorship could have shortened the learning curve. Takeaway: Hustle without instruction costs time and money. 4. “The Money Isn’t in Real Estate—The Money Is in the Money” This is the core philosophy of the interview. Most “cash buyers” are not using their own cash. Over 70% of cash purchases are funded by private lenders, not banks. Private lenders deploy capital faster, with fewer requirements, and higher flexibility. Key idea: Control the capital, and you control the transaction. 5. Understanding the Private Lending Model Adonis explains how people make money without buying houses: He acts as a capital broker, connecting investors to private lenders. He earns 1–2% fees on loan amounts—often tens of thousands per deal. He carries no risk, no liability, and no capital exposure in many cases. Example:A $600,000 investment loan × 2% = $12,000 fee for facilitating the introduction. 6. Why Private Money Beats Banks Banks require: Credit checks Tax returns Debt-to-income ratios Long approval timelines Private lenders often: Skip credit checks Ignore DTI Deploy funds in 3–5 days Focus solely on deal viability Takeaway: A bank’s “no” is often exactly why private lenders say “yes.” 7. The Smart Money Blueprint Adonis created the Smart Money Blueprint to teach this system: Focuses on the money side of real estate Self-paced education (10+ hours) Hands-on deal execution Live support until students close 10 deals Designed to eliminate costly trial-and-error Core promise: Learn to be “the bank” without needing money. 8. Flipping Isn’t What It Looks Like on TV Adonis breaks down common investor mistakes: Gross profit ≠ net profit Fees, holding costs, and market shifts erase margins Most “$100K flips” net closer to $30K–$40K Lesson: Education protects profits. 9. Relationships Create Wealth—Not Transactions Early in his career, Adonis underestimated relationships. His business scaled once he aligned with high-volume investors and repeat partners. Capital flows through trust networks, not ads. Takeaway: Relationships are currency. 10. Flexible Path to Income The private money model can be: Part-time: 2–4 hours per week Full-time: Income replacement or exponential growth Key point: This is about leverage, not labor. Notable Quotes “The money isn’t in real estate—the money is in the money.” “Most cash buyers aren’t cash buyers at all.” “I was flat broke for years after quitting corporate—people don’t talk about that part.” “A bank’s no is often the reason a private lender says yes.” “Perseverance kept me alive—but mentorship would have saved me years.” “You don’t need money to be the bank—you need knowledge.” Overall Impact This interview reframes real estate success away from property ownership and toward capital intelligence. Adonis Lockett offers listeners a nontraditional, scalable, and low-risk path to wealth—particularly powerful for: Professionals stuck in high-paying jobs Entrepreneurs denied bank loans Real estate investors seeking leverage Individuals looking for alternative income streams Final message: If you understand money, you don’t need to chase property—property comes to you. #SHMS #BEST #STRAWSteve 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.