Info You Can Use: Interview discusses financial legacy and wealth-building strategies.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears. 🎯 Purpose of the Interview The interview aims to: Educate listeners on financial literacy, wealth building, and investment strategies. Address the Black wealth gap and how to close it through education and discipline. Encourage people of all ages and income levels to begin their financial journey. Highlight Sonia’s unique role as a financial advisor and Global Sports & Entertainment Director at Morgan Stanley. 🔑 Key Takeaways 1. Understanding the Black Wealth Gap Closing the gap starts with education, access, and discipline. Financial literacy must be taught early and consistently, especially in underserved communities. Sonia emphasizes engaging youth and promoting intentional financial planning. 2. Mother-Daughter Wealth Management Team Sonia and her daughter formed the first African-American mother-daughter wealth management team at Merrill Lynch. Their generational approach showed that both young and older clients seek guidance, though their goals may differ. 3. Starting Small Is Okay You don’t need $1 million to begin investing. Start with savings, build an emergency fund, then invest. Emergency fund rule: Single: 6 months of expenses Couple: 3 months of expenses 4. Investment Strategy Focus on long-term investing, not chasing “hot stocks.” Diversification is key—consider S&P 500 index funds over individual stocks. Risk tolerance matters: Aggressive = 100% equities Conservative = more fixed income (bonds) 5. Cryptocurrency & Caution Morgan Stanley offers Bitcoin only to accredited investors with \$1M+ in assets. High risk means it’s not suitable for retirement funds or small investors. 6. It’s Never Too Late to Start A caller in her 60s asked if it was too late to invest—Sonia said absolutely not. With life expectancy into the 90s, there’s still time to build wealth. 7. Dividends vs. Bonds Dividend-paying stocks now often yield more income than traditional bonds. They’re a smart option for generating income in today’s market. 🗣️ Notable Quotes “Education is the greatest component to increase the Black dollar.” “Discipline is key—just like waking up early or exercising daily.” “Start where you are. If it’s $100 a month, start there.” “It’s never too late. If you’re 60, you still have 30 years to invest.” “Don’t chase hot stocks. Invest when the market is down, not at all-time highs.” “Risk tolerance is like gambling—are you on the penny slots or betting it all on black?” 👤 About Sonia Balfour-Fears Financial Advisor and Global Sports & Entertainment Director at Morgan Stanley. One of fewer than 2% of Morgan Stanley advisors with this designation. Advocate for financial literacy, especially in Black communities. Pioneer of the first African-American mother-daughter wealth management team. #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Karimah McFarlane.   🎯 Purpose of the Interview To explore Karimah McFarlane’s multifaceted journey—from her corporate leadership roles at Google and Workday to becoming the owner of Buckhead Art & Company—and to inspire others to embrace change, pursue entrepreneurship, and understand the value of art as a tool for wealth-building and cultural empowerment. 🧭 Key Takeaways 1. Corporate Career & Tech Leadership Karimah has 20+ years in Human Resources, specializing in mergers and acquisitions. At Google, she supported AI and Pixel teams as a People Business Partner, despite initially thinking the recruiter’s call was spam. Currently at Workday, she partners with the Chief Revenue Officer to build high-performing sales teams and develop leadership pipelines. 2. Navigating Change & Cultural Shifts Transitioned from the East Coast (DMV area) to the Bay Area, facing cultural adjustments (e.g., lack of familiar foods, hair products). Found support through Delta Sigma Theta sorority and Black Googlers Network. Emphasized the importance of embracing discomfort and new experiences for personal and professional growth. 3. HR as a Strategic Asset HR is more than hiring/firing—it’s about scaling businesses, developing talent, and preventing legal issues. Small businesses often undervalue HR until a crisis occurs. HR should be seen as a strategic partner on leadership teams. 4. Art as Wealth, Culture & Healing Karimah owns Buckhead Art & Company, the only art gallery in Buckhead, Atlanta. Inspired by her exposure to art investment at Google and her role in selecting art for corporate spaces. Advocates for marginalized artists by helping them with branding, IP protection, and business structure. 5. Making Art Accessible The gallery focuses on beginner and mid-level collectors, offering education and approachable experiences. Offers virtual consultations, art fairs, and community events to demystify art buying. Emphasizes the emotional, cultural, and financial value of art. 6. Recognition & Impact Buckhead Art & Company was named Best Art Gallery in Georgia (2023 & 2024). Uses her platform to educate, empower, and elevate artists and collectors alike. Promotes artist development through storytelling, branding, and business mentorship. 💬 Notable Quotes “Empowerment is figuring out what you do best and using your talent to help others.” “Don’t shy away from opportunities that give you insights and experiences.” “HR helps you scale your organization—it’s not just about hiring and firing.” “Art has always been at the forefront of royalty, wealth, and education.” “We specialize in humans. When you walk into our gallery, you are equal.” “You don’t have to win an Oscar to be a great actor. Same with art—you don’t need a traditional path to be successful.” 🔗 Connect with Karimah McFarlane Gallery: Buckhead Art & Company YouTube: Buckhead Art & Company Instagram: @buckheadartandcompany #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Crystal Victoria. 🎯 Purpose of the Interview The interview aims to: Showcase Crystal Victoria’s work in youth entrepreneurship through her nonprofit Target Evolution, Inc. Promote the Teen Biz Box, a hands-on business starter kit for kids. Inspire parents, educators, and community leaders to support alternative career paths for youth. Share Crystal’s personal journey from juvenile detention to becoming an author and entrepreneur. 🔑 Key Takeaways 1. Empowering Youth Through Entrepreneurship Target Evolution trains youth ages 8 to 18 to earn money and gain real-world experience. Programs include retail and culinary entrepreneurship, with plans to expand nationally starting in Dallas and Houston. 2. Teen Biz Box: A Practical Solution A $100 kit that includes everything a child needs to start a small business. Three product options: Friendship Bracelets, Craft Notebooks, and Ceramic Coasters. Kids can earn up to \$150–\$200 per box by selling customized products. 3. Alternative Pathways Matter Not all kids are tech-focused or college-bound. Entrepreneurship teaches soft skills like communication, customer service, and resilience. Victoria emphasizes the importance of in-person interaction over purely digital business models. 4. Personal Story of Redemption Crystal shares her background of being in and out of juvenile detention. Entrepreneurship gave her purpose and a way out of street life. Her journey is a testament to the power of second chances and vision-driven leadership. 5. Preparing for the Future of Work With AI and automation changing job markets, reskilling and adaptability are key. Entrepreneurship offers a mindset shift that prepares youth for career transitions every 3–5 years. 🗣️ Notable Quotes On youth entrepreneurship:“An app will never replace food and eating. We need programs for culinary and hospitality entrepreneurs.” On her personal journey:“I didn’t have a Teen Biz Box. I had trouble. But I prayed to God: ‘Give me something to do with this story.’” On accessibility:“Some kids don’t have bootstraps to pull themselves up. Let’s slide down the ladder and help them climb.” On the Teen Biz Box:“Before you spend $1,000 on your kid’s business idea, give them a box. If they sell everything, maybe they’re serious.” On preparing for the future:“Long gone are the days of one career for life. Learning, unlearning, and reskilling is the new normal.” 📦 Teen Biz Box Highlights Contents: Product inventory, art supplies, business cards, signage, and educational materials Website: TeenBizBox.com Target Age: 8–18 Goal: Teach entrepreneurship, communication, and self-reliance #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Stacey Gholar.   🔹 Summary of the Interview Stacey Gholar, founder of Bloom Creative Agency, shares her journey from being a young mother in Chicago to becoming a brand strategist and creative entrepreneur with over 20 years of experience in marketing, media, and business. She emphasizes the importance of aligning personal identity with brand strategy, especially in the digital age. Stacey discusses her approach to brand audits, the role of social media, the impact of AI, and her passion for empowering women through entrepreneurship and skincare. 🔹 Key Takeaways 1. What Is a Brand Strategist? A brand strategist helps individuals and businesses define and articulate their brand clearly. “You are the brand, but you have to put the brand together in a way that people can articulate what you do.” 2. Social Media Strategy Stacey conducts social media audits to ensure alignment between personal and business branding. She recommends having separate personal and business accounts, but acknowledges blending them when appropriate. 3. Discovery Process Her process starts with a discovery call to understand the client’s “why” and goals. She believes passion must drive entrepreneurship—not just money. 4. Digital Branding & AI Stacey identifies as a digital brand specialist, helping Gen X women and others pivot into digital spaces. She uses AI tools like ChatGPT and Google Gemini to enhance productivity but values human connection. “AI is an asset… but I don’t solely rely on it.” 5. Email Marketing Email is still vital: “If you're solely on social media, you can lose your business in a minute.” She advocates for funnel systems and community building outside of social platforms. 6. Going Viral vs. Being Valuable “You don’t need to go viral. You just need to be valuable.” She went viral unintentionally with a review of Harold’s Chicken, but stresses the importance of sustainable value over fleeting attention. 7. Brand Refresh & Outreach Most of her clients come through word of mouth, but she’s expanding her reach via social media. She encourages clients to step out of their comfort zones and engage in community-driven initiatives. 8. Skincare Line Stacey founded Skin Light Skincare at age 50 to promote pro-aging and natural beauty. She now focuses on organic body oils that are clean, hydrating, and hormone-safe. 🔹 Notable Quotes “Experience has been the best teacher for me.” “You don’t need to go viral. You just need to be valuable.” “If you stop learning, you stop growing.” “I want you to be a part of building your brand—not just me doing it for you.” “Social media is great, but word of mouth is still real.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Jamal Bryant. 🎯 Purpose of the Interview To inspire and educate listeners—especially within the African-American community—on faith, financial literacy, entrepreneurship, and community empowerment. Dr. Bryant shares his personal journey, leadership philosophy, and insights on how the church can be a catalyst for economic and social change. 🗝️ Key Takeaways 1. Faith Beyond the Four Walls COVID-19 Impact: The pandemic forced churches to redefine their role beyond physical buildings. Quote: “Covid was the best thing that ever happened to the church… it made us move outside of the four walls.” 2. Technological Adaptation Many churches failed during the pandemic due to lack of tech-savviness. Dr. Bryant’s church thrived by embracing online services and digital giving. 3. Economic Empowerment The Black church must teach financial literacy, not just ask for tithes. Quote: “We ask people for 10%, but never show people how to multiply the 90.” 4. Debt Reduction & Stewardship Dr. Bryant inherited a church in financial distress and reduced debt through strategic stewardship and refinancing. No corporate donations were involved—just community trust and financial discipline. 5. Black Wealth & Spending Habits Black dollars circulate far less than other communities. Quote: “In the Black community, cash stays just 30 minutes before we hand it over.” 6. HBCU Advocacy Dr. Bryant champions Historically Black Colleges and Universities (HBCUs) for their role in producing Black professionals. Quote: “HBCUs graduate more Black doctors, lawyers, and engineers than any other institutions.” 7. Financial Literacy & Credit Emphasizes the need for understanding credit, savings, and investment. Introduced the “10-10-80” rule: Save 10%, give 10%, live on 80%. 8. Personal Journey & Resilience From failing 11th grade to becoming Nelson Mandela’s youth intern and leading a megachurch. Quote: “Your revenue is in your reflection.” 9. Church as a Recycling Center The church should uplift and transform lives, not just preach. Quote: “You can come as you are. Just be clear, you won’t stay as you are.” 🧠 Final Message Dr. Bryant encourages listeners to recognize their blessings, embrace hard work, and seek transformation. The church should be a hub for education, empowerment, and economic development—not just spiritual guidance. #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.

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.