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The Steve Harvey Morning Show for Thursday, April 2nd, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Church Parking Lot" | Ask The CLO | Trending & Entertainment News | Good Friday Fish | Why Are You So Angry? | Nephew Tommy's Prank - "Colorful Adoptions" | Strawberry Letter - "The Big Reveal" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Lottery Winner's Life Of Crime | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://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 Sahra Halpern. Title: President & CEO, Business Consortium Fund (BCF) and Triad InvestmentsHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Sahra Halpern explains how Community Development Financial Institutions (CDFIs)—specifically the Business Consortium Fund—provide patient capital, education, and partnership to minority‑owned, B2B businesses. The interview focuses on access to affordable capital, trust in financial systems, and helping business owners grow sustainably rather than be crushed by debt. Purpose of the Interview The interview aims to: Educate listeners about CDFIs, a little‑known but powerful source of business capital. Demystify the business lending process, especially for owners who are wary of banks. Address historical distrust of financial systems in communities of color. Position BCF as a partner—not just a lender—for minority‑owned businesses. Encourage business owners to build relationships with lenders before they need money. Key Themes & Takeaways 1. What Makes a CDFI Different From a Bank BCF is a nonprofit lender and a federally designated Community Development Financial Institution. Unlike traditional banks, CDFIs: Work closely with borrowers throughout the loan lifecycle Do not immediately write off loans when challenges arise Focus on long‑term business success, not short‑term repayment Key takeaway: CDFIs lend with flexibility, patience, and partnership. 2. A “Best‑Kept Secret” in Finance There are roughly 2,000 CDFIs nationwide, designated by the U.S. Treasury. About half focus on small business lending, and half on affordable housing. They are funded through bank partnerships, philanthropy, and mission‑driven capital. Insight: Many minority business owners struggle unnecessarily because they don’t know CDFIs exist. 3. Trust Is Central to Capital Access Many BCF clients are engaging with formal finance for the first time, even if they are experienced business owners. Historical discrimination has created deep mistrust of financial institutions. BCF builds trust by being transparent, educational, and relationship‑driven. Takeaway: Capital follows trust—and trust must be earned. 4. Focus on B2B Businesses and Contracts BCF primarily serves B2B businesses (business‑to‑business). Loans often help businesses: Fulfill contracts with corporations or government entities Hire staff Purchase materials Manage cash flow while waiting for receivables Key idea: Contracts create opportunity—but only if businesses have working capital to execute. 5. Lending Is Also Education Applicants must provide documentation: Three years of tax returns Credit history Bank statements Cash‑flow details This is intentional—not punitive. BCF’s goal is to ensure debt creates growth, not stress or failure. Important distinction: BCF is not a predatory lender—it refuses to lend irresponsibly. 6. Affordable Capital Through Partnerships BCF borrows capital from banks at low rates. It adds a modest margin to: Cover operating costs Continue serving the community Rates are designed to be sustainable, not extractive. Takeaway: Affordable capital is possible when mission comes before profit. 7. Sahra Halpern’s Personal Motivation Her mother immigrated from Trinidad and Tobago, escaping hardship. Sahra learned early that opportunity often depends on who helps you along the way. She worked in human rights, then economic development, and spent 15 years at Charles Schwab, where she helped finance CDFIs—before leading one herself. Core belief: Economic justice is essential to community well‑being. 8. Three Financial Principles for Business Owners Sahra offers three practical “financial truths”: Know the industry you serveUnderstand compliance, insurance, and contract requirements. Know your credit score—and yourselfCredit can be improved, but only if you face it honestly. Don’t take on debt you can’t repayLoans should serve growth, not keep you up at night. Key lesson: Discipline is more important than loan size. 9. Relationships Must Come Before Loans Business owners should engage lenders before they need capital. Opportunities can arise unexpectedly—and preparation matters. CDFIs can help with: Financial planning Budgeting Understanding readiness for funding Takeaway: Don’t wait for a crisis to build financial relationships. Notable Quotes “We are one of the best‑kept secrets—and we should not be a secret anymore.” “We are not a bank. We are a partner.” “Put your fear and your self‑doubt aside before you walk in the door.” “Don’t take on debt that will keep you up at night.” “You need a relationship before you need financing.” “We want capital to be a path to growth—not another headache.” Overall Impact This interview reframes access to capital as a relationship‑driven process, not a transactional hurdle. Sahra Halpern positions BCF—and CDFIs broadly—as bridges between financial systems and underserved businesses, offering not just loans, but guidance, trust, and accountability. Final message:Capital changes communities when it is affordable, patient, and paired with education. #SHMS #BEST #STRAWSupport the show: https://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 #STRAWSupport the show: https://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 Sonia Balfour-Fears. Here you go — a clean, structured summary of the Sonia Balfour‑Fears interview with Rushion McDonald, plus purpose, key takeaways, and notable quotes, all based on the transcript you provided. SUMMARY OF THE INTERVIEW In this Money Making Conversations Masterclass episode, Rushion McDonald interviews Sonia Balfour‑Fears, a high‑ranking Global Sports & Entertainment Director and Financial Advisor at Morgan Stanley. Sonia discusses the Black wealth gap, financial literacy, investing basics, barriers that minorities face in wealth-building, and the realities of long-term investing. She emphasizes education, discipline, and access as critical factors for closing the wealth gap. She also explains how investors of different ages—from young adults to retirees—share a common need: guidance and a financial plan. Sonia breaks down misconceptions about stock market participation, cryptocurrency, “hot stocks,” risk tolerance, dividend investing, and the best way to start investing even with small amounts of money. Throughout the interview, Sonia provides approachable frameworks for beginners—emergency funds, diversified investing, index funds—and stresses that it’s never too late to begin investing, even at age 60 or older. PURPOSE OF THE INTERVIEW The interview aims to: 1. Educate listeners on financial literacy Sonia explains fundamentals such as emergency funds, risk tolerance, asset allocation, diversification, and long‑term wealth building. 2. Address misconceptions about minority participation in investing She clarifies that minority participation is rising but that more people need professional guidance rather than DIY risk-taking. 3. Provide practical starting points for new investors She gives clear steps for people with small amounts of money and explains how to build wealth intentionally. 4. Encourage multigenerational financial conversations Sonia discusses creating the first African‑American mother‑daughter wealth management team, emphasizing the importance of knowledge transfer. 5. Inspire listeners to rethink age and investing She strongly argues that it is never too late to start building wealth. KEY TAKEAWAYS 1. Closing the Black Wealth Gap Requires Knowledge + Access Wealth-building is tied to discipline, education, and opportunity. Financial literacy helps people understand how money works so they can build long-term wealth..txt)  2. Discipline Is as Important as Income Sonia compares investing discipline to waking up early, exercising, and staying consistent with lifestyle habits..txt)  3. Everyone — Young or Old — Needs Professional Financial Guidance Clients in their 20s and clients nearing retirement share a common need:a roadmap created by someone who does this every day..txt)  4. Minorities Are Investing More — But Not Always With Advisors Many young minorities enter through crypto or apps, but they often lack solid planning..txt)  5. Cryptocurrency Isn’t for Everyone Morgan Stanley limits Bitcoin access to accredited investors with at least $1M on the platform due to high volatility..txt)  6. How to Start Investing: Build an Emergency Fund First 6 months of expenses if single; 3 months if married. After that, “start where you are”—even $100/month..txt)  7. Avoid “Hot Stock” Thinking Sonia discourages short-term stock chasing. Recommends S&P 500 index funds instead of individual picks..txt)  8. Risk Tolerance Shapes Your Portfolio Aggressive = stocks. Conservative = more fixed income. Use personal behavior (e.g., gambling habits) to assess risk comfort..txt)  9. It Is Never Too Late to Invest A 60-year-old caller is reminded she could live to 90–95; that’s 30 years to grow investments..txt)  10. Dividend Stocks Provide Strong Income Today Dividend-paying stocks often yield more income than bonds in today’s market..txt)  NOTABLE QUOTES (from transcript) On Closing the Wealth Gap “Education is another way… to understand the different components of building wealth.”.txt)  On Discipline “It’s the discipline to really… be intentional about understanding what your money can do for you.”.txt)  On Minority Participation “I really see a lot more minorities getting into investing… but working with a financial professional, not as many.”.txt)  On Crypto + Risk “We set the criteria very high because the potential for loss is tremendous. So is the potential for gain.”.txt) On Starting with Small Amounts “You start where you are. And if it’s $100 a month, that’s where you start.”.txt)  On ‘Hot Stocks’ “Our team primarily focuses on longer‑term investing… it’s all about asset allocation.”.txt) On Being 60 and Beginning to Invest “It is definitely, definitely not too late… If you’re close to 60, we anticipate you’ll live to 90 or 95.”.txt)  On Dividend Investing “You get more income from dividends these days than you do from bonds.”.txt) #SHMS #STRAW #BESTSupport the show: https://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 Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSupport the show: https://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 Cassandra Lester. Purpose of the Interview The interview introduces Cassandra Lester’s nonprofit Grow Give Prosper and its partnership with Google’s “Grow with Google” initiative. The goal is to provide free career certification scholarships to underserved and economically impacted communities, helping individuals increase earning potential and gain financial literacy. Key Takeaways Mission of Grow Give Prosper Founded in 2023, focused on financial education and empowerment. Aims to help communities grow together, give to each other, and prosper collectively. Google Partnership Offers free career certifications in high-demand fields: Cybersecurity Data Analytics Digital Marketing & E-commerce IT Support Project Management UX Design Certifications are self-paced, online, and typically take 3–6 months. No prior experience required; participants receive a portfolio upon completion. Accessibility Scholarships are free; the only requirement is commitment. Available to anyone in the continental U.S., regardless of education level (GED, college dropout, etc.). Registration via growgiveprosper.org (scroll to Google Career Scholarships). Impact Over 300 scholarships awarded; previously had 500. Designed to level the playing field for those without Ivy League degrees. Certifications can stack (e.g., Project Management + Data Analytics) for greater career potential. Financial Literacy Defined as understanding financial concepts and applying them to daily life. Misconceptions persist—some communities avoid discussing money or undervalue credit scores. Cassandra emphasizes breaking cycles of predatory lending and poor financial habits. Challenges Cultural reluctance to discuss money. Skepticism about legitimacy of programs. Difficulty securing grants as a small nonprofit. Cassandra combats these through grassroots outreach and workshops. Personal Drive Cassandra’s passion stems from seeing financial struggles across all demographics. She actively promotes opportunities through community centers, adult education classes, and social media. Notable Quotes “I want us to grow together so that we can give to each other and then prosper as a collective.” “Google is leveling the playing field—you don’t need an Ivy League education to earn a livable wage.” “The only fee is commitment.” “Financial literacy means you understand the words, you hear the conversation, and it’s not Greek to you.” “You can’t talk about managing finances if you really don’t have anything coming in.” “You don’t want to miss this opportunity to increase your earning potential.” “Once you’re certified, that’s yours for life—you can’t repo a degree or certification.” #SHMS #STRAW #BESTSupport the show: https://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 Gerron Duhon. Purpose of the Interview The conversation aimed to: Highlight the importance of financial literacy for young adults. Share Jerron Duhon’s personal journey from Lake Charles, Louisiana, to Yale University and into holistic financial planning. Promote his book “The Purpose of Paper”, which focuses on building generational wealth and breaking harmful financial habits. Key Takeaways Personal Journey & Identity Shift Jerron used football as a “meal ticket” to escape his hometown, but a concussion ended his athletic career, causing an identity crisis. He pivoted toward financial education and wealth creation, emphasizing long-term planning. Misconceptions About Wealth Many young adults believe wealth comes quickly through gambling, sports betting, or flashy investments. Social media fuels the desire to display wealth rather than build wealth, leading to poor financial decisions. Financial Habits & Framework Jerron introduced his AIMS framework: Awareness: Know your current financial state. Intention: Set clear goals and reverse-engineer steps. Mindset Change: Focus on future self, not old habits. Systems: Automate savings and investments to reduce reliance on willpower. Faith and Finance Connection Principles like self-control, patience, and hope—fruits of the spirit—are essential for financial discipline. “Faith without works is dead” applies to money: belief must be paired with action. Generational Wealth Gerron stresses taking ownership of your financial future rather than leaving the burden to your children. Investing should be strategic and long-term, not like playing the lottery. Practical Advice Start small but consistent (e.g., $150/month). Use modern tools like Robinhood for stock investing. Shift from being a consumer to an owner (invest in companies you use). Notable Quotes “Football was my meal ticket… but I realized I didn’t dream far enough.” “We connect our financial decisions to display wealth instead of to build wealth.” “Faith without works is dead—just like in finances.” “Are you going to be the one that changes your generation, or will you leave that pressure on your children?” “Good advice is timeless.” #SHMS #STRAW #BESTSupport the show: https://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 Taia Rashid and Daphne Carter. 🎯 Purpose of the Interview To highlight the entrepreneurial journey of Taia Rashid and Daphne Carter, co-founders of Cassie Beverage, a premium vodka-based drink brand. The interview explores their inspiration, challenges as Black women in a male-dominated liquor industry, and their commitment to quality and authenticity. 🧠 Key Takeaways 1. Founders’ Background & Bond Taia and Daphne met as dance moms in Houston, Texas. Their friendship grew through shared experiences at dance competitions. Their cocktail-making hobby evolved into a business idea. 2. Cassie Beverage Origins Inspired by family traditions involving alcohol (moonshine and wine coolers). The brand name “Cassie” is a blend of their last names. Their products include Daphne Limoncello and Daphne Berrycello. 3. Business Launch & Support The idea was sparked during a trip to the Amalfi Coast. Their husbands, both entrepreneurs, helped launch the business and provided initial capital. They entered a white male-dominated industry with determination and humility, seeking mentorship and doing extensive research. 4. Commitment to Quality Their drinks use natural ingredients like fresh lemon juice and cane sugar. They resisted pressure to use cheaper alternatives like concentrates or preservatives. Their goal: create a premium product they’re proud to consume themselves. 5. Challenges in the Liquor Industry High startup costs and tight margins. Strategic decisions around packaging, pricing, and market positioning. Balancing premium quality with affordability for consumers. 6. Academic & Professional Backgrounds Daphne: Advanced degrees in chemistry and mathematics; former charter school executive and state superintendent. Taia: Degree in chemical engineering; worked for Frito-Lay and later became a stay-at-home mom. 7. Empowerment & Representation They emphasized the importance of supporting women, especially in non-traditional roles like bartending and mixology. Encouraged others to pivot careers and pursue passions regardless of societal expectations. Advocated for creating space at the table when none is offered. 8. Community Impact A caller shared how the interview inspired her to support her daughter’s bartending career. The founders responded with encouragement and emphasized redefining success beyond traditional roles. 💬 Notable Quotes “We found the perfect cocktail—the cure was liquor. A cup of joy.” “We wanted something of quality that we could stand proud of.” “If there’s no room at the table, bring a folding chair.” “Your degrees give you soft skills—you can pivot and do whatever you want.” “We’re winning because we’re doing something we love, even with the struggles.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Wednesday, April 1st, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Give Me My Arm Back" | Ask The CLO | Trending & Entertainment News | Trump Likes Losers | April Fool's Day Is Tommy Day | Nephew Tommy's Prank - "Church Parking Lot" | Strawberry Letter - "My Man & His Money" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Meaghan Taylor - 10 Years Of Women In Radio | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://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. Joaquin Wallace.  🎯 Purpose of the Interview To explore Dr. Wallace’s groundbreaking work in financial literacy, particularly his concept of the “financial genetic code”, and to promote his book Generational Wealth Begins with Generational Knowledge. The interview aims to empower marginalized communities with tools for financial healing, literacy, and long-term wealth building. 🗝️ Key Takeaways 1. Background & Recognition Dr. Wallace is a recipient of the Wells Fargo Living History Makers Award. Featured in the Contemporary Black Biography series. Former college basketball coach and educator with a strong focus on discipline and mentorship. 2. Seven-Stage Generational Wealth Model Outlined in his book, the model includes: Internal/External Ecosystem – influences from family, community, and environment. Financial Genetic Code – inherited financial narratives and behaviors. Financial Healing – reprogramming harmful financial habits. Financial Edification – literacy and inclusion. Financial Well-being – stability and health. Generational Knowledge – estate planning, insurance, long-term care. Generational Wealth – successful transfer of assets. “Without financial well-being, there is no generational wealth.” 3. Financial Genetic Code A trademarked concept by Dr. Wallace. Unlike DNA, it can be rewritten through education and therapy. Influenced by early experiences, family habits, and community norms. Examples include “scar tissue narratives” (trauma from past financial events). 4. Credit & Financial Literacy Credit score is critical but misunderstood. Utilization rate should be under 30%. Payment history and inquiries significantly affect scores. Many people are unaware of the difference between consumer scores and business scores. 5. Barriers to Financial Growth Lack of trust in financial systems due to past trauma. Misinformation passed down from family and community. Zip codes and overleveraging can impact loan approvals. Financial professionals may unknowingly transfer their own biases to clients. 6. Role of Financial Professionals Dr. Wallace identifies five key roles: Financial Educator Financial Counselor Financial Therapist Financial Advisor Financial Planner He emphasizes matching individuals with the right professional based on their needs and emotional readiness. 7. Book Insights Generational Wealth Begins with Generational Knowledge is an Amazon bestseller. Includes self-assessments after each chapter. Designed for both professionals and everyday readers. Encourages readers to identify their financial stage and take actionable steps. 💬 Notable Quotes “You are your credit score.” “Inherited financial narratives create encoded financial behaviors.” “Any answer sounds correct if you don’t ask the right question.” “Consistency creates consistent outcomes.” “Financial literacy is not the end-all—it’s just one piece of the puzzle.” “We do what we know. If we don’t know, we just continue to do.” 📌 Final Thoughts Dr. Joaquin Wallace offers a transformative framework for understanding and improving financial behavior, especially in underserved communities. His concept of the financial genetic code bridges psychology, education, and economics, making financial wellness more accessible and actionable. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.