The Steve Harvey Morning Show

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley.
SUMMARY OF THE INTERVIEW
In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets.
PURPOSE OF THE INTERVIEW
The interview aims to:
1. Introduce and promote Dr. Jolley’s new book
“Rich Is Good, Wealthy Is Better” and the teachings within it.
2. Educate listeners on the distinction between rich and wealthy
Jolley wants audiences to understand wealth in generational, not short-term, terms.
3. Motivate individuals to shift their financial mindset
From “working money” to “mailbox money.”
4. Empower entrepreneurs and families
To adopt discipline, drop pride, and create multigenerational financial systems.
5. Share Jolley’s personal setback‑to‑success story
To reinforce that anyone can grow wealth with the right principles.
KEY TAKEAWAYS 1. Rich vs. Wealthy
Being rich = high income, often tied to active labor (e.g., athlete contracts).
Being wealthy = passive income, ownership, generational sustainability.
A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.”
2. The Five Money Mindsets
Jolley explains five financial mindsets:
One‑day mindset – living day to day.
30‑day mindset – fixed incomes/check-to-check living.
One‑year mindset – annual thinking (raises, annual income).
Decade mindset – typical for entertainers/athletes with multi‑year contracts.
Generational mindset (Wealth Mindset) – building wealth to last multiple generations.
Jolley’s goal: move people up just one level at a time.
3. Five Types of Wealth
Jolley breaks wealth into five categories:
Financial Wealth
Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown)
Relationship Wealth
Reputational Wealth (Brand)
Intellectual Capital Wealth (What you know and can charge for)
4. Discipline Is the Key
Wealth requires:
Living below your means
Investing the difference
Consistency
Avoiding arrogance and ignorance
5. Pride Is an Enemy of Wealth
Pride leads people to overspend to keep up appearances.
Jolley argues that pride “kills wealth” and must be replaced with planning and humility.
6. The Three Legs of Wealth
To build sustainable wealth, you need:
Income
Investment (letting money work for you)
Insurance (life, health, car, disability, long-term care)
7. Multiple Streams of Income
Jolley urges everyone to build at least two streams of income from:
Stocks
Bonds
Real estate
Crypto
Collectibles
Jewelry
Art
Content creation
8. Overcoming Setbacks
Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.
He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book.
9. It’s Never Too Late to Start
He cites examples of:
A secretary who retired with $8M by investing small amounts over time
Invested $12,000 at age 65 and grew it to $890,000 by age 72
NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity
“I have only just a minute… but it’s up to me to use it.”
On Mindset
“Wealth starts in your mind.”
On Rich vs. Wealthy
“Regular folks work for their money. Wealthy people make their money work for them.”
On Pride
“My pride was killing my wealth.”
On Growth & Learning
“If you’re willing to learn, no one can stop you.” [On Setbacks
“A setback is a setup for your greater comeback.”
On Starting Late
“When is the best time to plant a tree? Eighty years ago. The second-best time? Today.”
#SHMS #STRAW #BEST
Support the show: https://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 Mark Mascarenhas.
Purpose of the Interview
The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations.
Key Takeaways
Financial Planning is Foundational
A written financial plan is the first step before any investment portfolio is built.
Success is defined individually—financial, health, or lifestyle goals.

Diversification & Risk Management
Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance.
Fear and greed drive markets; advisors help clients maintain discipline.

Long-Term Care & Insurance
Planning for long-term care is essential, typically starting in your 50s.
Term life insurance early locks in health; whole life policies provide stability and living benefits.

Tax Strategy
Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens.
Estate planning focuses on transferring wealth tax-efficiently to future generations.

Millionaire Mindset
Millionaires are clear, disciplined, optimistic, and collaborative.
74% of millionaires work with financial advisors vs. 34% of the general population.

Power of Compounding
Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline.
Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers.

Fiduciary Responsibility
Advisors act in the client’s best interest; success is mutual.
Trust and transparency are critical in client-advisor relationships.

Notable Quotes
On Risk & Bitcoin:
“You could potentially double your money, but you could also potentially lose 70% of it.”

On Financial Planning:
“Every dollar needs a job description.”

On Millionaire Mindset:
“Successful people view us as CFOs—they’re the CEOs.”

On Compounding:
“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.”

On Retirement Success:
“Living the same or better lifestyle in retirement than you do today while working.”

On Fiduciary Role:
“We make more money when the client makes more money.”

#SHMS #BEST #STRAW
Support the show: https://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 Heather R. Younger.
CEO, workplace culture expert, author, and founder of a major employee engagement consultancy—joins Rushion McDonald to discuss leadership, employee empowerment, navigating fear, and self‑leadership in modern workplaces.
She shares her personal experiences with layoffs, career uncertainty, anxiety, and leadership failures—and how these experiences shaped her mission to be “the voice for the voiceless” in organizational culture. They explore the emotional realities of layoffs vs. terminations, how employees can take control of their professional well‑being, and Heather’s framework for identifying and overcoming fear.
PURPOSE OF THE INTERVIEW 1. To introduce Heather’s work and mission
She champions active listening, employee empowerment, and self‑leadership after personally reading 30,000+ employee surveys and leading 100+ focus groups.
2. To teach listeners how to navigate workplace uncertainty
She provides strategies for dealing with anxiety, job insecurity, change, and inconsistent leadership climates.
3. To share an empowering message about self‑leadership
Central idea: No one is coming to save you. You must lead yourself first.
4. To explore how fear holds people back professionally
She outlines how fear affects decision‑making, action-taking, and confidence.
KEY TAKEAWAYS 1. Why She Does This Work
She witnessed firsthand how mergers, layoffs, and poor communication harm employees.
After being laid off with 200+ others, she realized she needed to become the “voice of reason” who turns employee concerns into actionable insights for leaders.
2. Layoff vs. Termination — Emotional Differences
Layoffs: painful but less shame; not personal fault.
Termination: usually involves personal accountability, and often carries more shame.
Both create a feeling of powerlessness, but each requires emotional processing and reframing.
3. No One Is Coming To Save You
Employees must take responsibility for:
Their growth
Their mental health
Their career progression
Their emotional well‑being
HR cannot save you, Heather says—they play a dual role and cannot be personal rescuers.
4. Managing Workplace Anxiety
Key strategies include:
Nightly reflection → Write down what went well and what you controlled.
Reframing → Turning irrational fears into rational thoughts.
Breathing, sunlight, walking, self‑care → Especially for anxiety.
Intentional mindset‑switching → Choosing thoughts that serve you.
5. The Five Ways Fear Holds You Back Professionally
Heather identifies several fear patterns:
1. Fear of Feedback
Avoiding action because you’re afraid of what others may say.
2. Fear of Retribution / Getting in Trouble
Hesitating to take risks or initiative.
3. Fear of Speaking Up
Not challenging authority or expressing dissenting opinions due to lack of psychological safety.
4. Fear Rooted in Family / Cultural Conditioning
Inherited fear patterns from parents, grandparents, or trauma.
5. Fear of Regret / Non‑Action
She teaches a powerful question:
“What will I regret the longest—doing the thing or not doing the thing?”
This question accelerates decision‑making and breaks the paralysis of fear.
6. Take Ownership of Your Life — Self‑Leadership
Become the Chief Iterator of Your Life → Continue refining yourself like a living prototype.
Accept mistakes as part of growth.
Avoid perfectionism; aim for continuous improvement.
7. Practical Daily Habits
Prepare mentally each night.
Hydrate, sleep well, move your body.
Train yourself to take small positive actions daily.
NOTABLE QUOTES FROM THE INTERVIEW On Self‑Leadership
“Ain’t nobody coming to save me. And in the workplace, no one’s coming to save you.”
On Fear
“Feedback is a gift—even if it hurts.”
“We sit around waiting for green lights, access, invitations… It’s not coming. We need to seize it.”
“What is the thing you will regret the longest—doing it or not doing it?”
On Navigating Change
“You get to fight tooth and nail for your own mental space.”
On Personal Growth
“See yourself as a work in progress—a constant iteration.”
On Workplace Emotions
“With layoffs, you didn’t have a hand in it. With termination, there’s more shame.”
#SHMS #STRAW #BEST
Support the show: https://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 April Lancit.
Founder of a private therapy practice focused on culturally sensitive therapy for Black and Brown communities.
Main Topics: Cultural differences in therapy
Challenges in modern relationships and marriage
The impact of technology on human connection
The role of therapy in addressing generational trauma and stress
The future of therapy in the age of AI

💡 Key Insights 1. Culturally Sensitive Therapy
April emphasizes the importance of therapists understanding the lived experiences of marginalized communities.
Black and Brown clients often face unique challenges that require a nuanced, empathetic approach.
2. Modern Relationship Struggles
Top issues in marriage therapy: finances, infidelity, and communication.
Communication is often overlooked but is foundational to resolving other issues.
3. Technology & Disconnection
The rise of remote living and digital communication is reducing opportunities for organic human interaction.
Couples are increasingly using text messages—even within the same home—to communicate, which can erode intimacy.
4. Therapy as a Preventative Tool
Therapy shouldn't be reserved for crises; it can be a proactive tool for personal and relational growth.
Pre-marriage counseling is often skipped or done too late, missing key conversations about values, finances, and intimacy.
5. AI in Therapy
April sees potential in AI as a supplementary tool but stresses it cannot replace the human connection essential to effective therapy.
🧠 Final Message
April encourages people to seek therapy not out of crisis, but as a way to grow and connect more deeply—with themselves and others. She remains hopeful that with intention and effort, society can rebuild meaningful human connections.
#SHMS #STRAW
#BEST
Support the show: https://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 Teri Williams.
Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:
🔑 Key Themes & Takeaways 1. OneUnited Bank’s Mission & Reach
Formed by merging four Black-owned banks in Boston, Miami, and Los Angeles.
First Black-owned digital bank (since 2005).
Serves customers in all 50 states.
Offers accessible, affordable financial services and promotes financial literacy.
2. Digital Banking for Underserved Communities
OneUnited provides: Mobile check deposit (via smartphone).
Early direct deposit (get paid 2 days early).
Access to 100,000+ surcharge-free ATMs (including Walgreens, 7-Eleven, Chase, Citibank).

Designed to combat financial deserts and predatory check-cashing services in Black communities.
3. Financial Literacy & Trust
Teri emphasizes the need for Black communities to trust Black-owned institutions.
OneUnited is FDIC-insured and uses cutting-edge technology, including AI.
Financial literacy is key to building generational wealth.
4. WiseOne AI Tool
An AI-powered financial assistant that: Tracks spending and subscriptions.
Offers insights on saving and debt reduction.
Aggregates data from multiple accounts to show net worth, cash flow, and financial health.

5. Youth Financial Literacy – “I Got Bank” Contest
15th annual contest for kids ages 8–12.
Participants submit an essay or artwork based on a financial literacy book.
Ten winners receive $1,000 savings accounts.
Book: I Got Bank by Teri Williams (available free at oneunited.com/book).
6. OneTransaction Concept
Focuses on six key financial transactions to build generational wealth: Homeownership
Life Insurance
Investments
Profitable Business
Credit Score
Savings

Encourages individuals to focus on just one to start their wealth-building journey.
Learn more: oneunited.com/onetransaction
💬 Notable Quotes
“We are a real bank, not a fintech. We are FDIC-insured.”
“We are great with money. We just haven’t always had access.”
“Focus on one transaction. That’s all it takes to start building generational wealth.”
#SHMS #STRAW #BEST #AMI
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.