The Steve Harvey Morning Show

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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
Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success.
Business Podcast
Entrepreneurship
Small Business
Business Growth
Financial Literacy
Wealth Building
Black Entrepreneurs
Minority Business
Leadership
Executive Leadership
Business Funding
Marketing Strategies
Personal Development
Startup Advice
Sales Training
CEO Interviews
Founder Stories
Professional Development
Economic Empowerment
Business Success
Networking
Brand Building
Innovation
How to start a business
Small business funding
Entrepreneur success stories
Business leadership podcast
Wealth building strategies
Black entrepreneur podcast
Minority business development
Marketing for small businesses
Business growth strategies
Startup funding opportunities
Executive leadership training
Financial literacy education
Success mindset podcast
Support 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 entertainment attorney Jalene Mack.
Discuss the legal and business fundamentals that entrepreneurs, creatives, writers, producers, and small business owners need to understand to protect their ideas, brands, and financial interests.
Drawing from decades of experience representing entertainers, filmmakers, producers, writers, and business owners, Mack explains how people fall victim to bad deals, why contracts matter, and the steps entrepreneurs should take to build a legally sound and financially sustainable business.
Purpose of the Interview
The interview was designed to:
Educate entrepreneurs and creatives about avoiding bad contracts and scams.
Explain the importance of trademarks, copyrights, and intellectual property protection.
Help aspiring producers, writers, and business owners understand how to structure their businesses properly.
Provide practical advice on building a business foundation before seeking investors or opportunities.
Encourage listeners to use professional advisors rather than relying solely on online information and templates.
Key Takeaways 1. Due Diligence Is Essential
Mack emphasized that many scammers prey on hopeful entrepreneurs and creatives by promising funding, distribution, or industry connections. Before signing anything, individuals should thoroughly research the people and companies they are dealing with.
Lesson: Verify credentials, investigate backgrounds, and confirm funding sources before entering any agreement.
2. Don't Be Seduced by the "Big Opportunity"
Many people fall victim to bad deals because they believe they have found the one opportunity that will change their lives. Mack and McDonald warned against approaching business with a "lottery mentality."
Lesson: Excitement should never replace sound business judgment.
3. Never Sign Away Your Intellectual Property Blindly
One of the biggest mistakes creators make is signing contracts that transfer ownership of their scripts, books, ideas, or content without fully understanding the consequences.
Lesson: Once ownership rights are transferred, getting them back can be nearly impossible.
4. Hiring the Right Lawyer Matters
Mack stressed that not all attorneys have the same expertise. A lawyer who handles real estate, patents, or corporate law may not understand entertainment contracts and intellectual property issues.
Lesson: Work with attorneys who specialize in your industry.
5. Online Templates Are Not a Substitute for Legal Advice
While contract templates found online can provide a starting point, they rarely address the unique circumstances of a specific business or creative project.
Lesson: Every deal has unique risks and should be professionally reviewed.
6. Every Entrepreneur Needs a Clear Plan
Mack outlined the importance of first identifying exactly what you're trying to build, whether it's a film project, product, service, or business venture.
Lesson: A clear vision helps guide decision-making, budgeting, staffing, and marketing.
7. Business Plans and Financial Plans Are Critical
Entrepreneurs often focus on ideas while ignoring execution. Mack encouraged listeners to develop detailed plans for operations, funding, growth, and profitability.
Lesson: A great idea without a roadmap is unlikely to succeed.
8. Build the Right Team
No entrepreneur should try to do everything alone. Mack emphasized surrounding yourself with experienced professionals, including lawyers, accountants, producers, financial advisors, and marketers.
Lesson: Success often depends on the quality of your team.
9. Budgeting Is Non-Negotiable
Whether producing a film or launching a business, understanding costs is essential. Everything from labor and equipment to marketing and logistics must be considered before moving forward.
Lesson: Poor budgeting is one of the fastest paths to failure.
10. Protect Your Assets and Brand
Mack stressed the importance of trademarks, copyrights, business entities, and legal documentation. Entrepreneurs must proactively protect their intellectual property before problems arise.
Lesson: Prevention is less expensive than litigation.
Jalene Mack's 10-Step Business Foundation Framework
Throughout the conversation, Mack outlined critical steps for launching and protecting a business:
Identify your project.
Create a comprehensive plan.
Build a strong team.
Prepare a realistic budget.
Form a business entity.
Obtain a business identification number.
Open a dedicated business bank account.
Protect your intellectual property and assets.
Use professionally drafted contracts.
Develop a strong marketing strategy.
Notable Quotes Jalene Mack on Scams and Bad Deals
"Due diligence is everything."
Jalene Mack on Research
"The more you dig, the more you realize they can't show proof of funds."
Jalene Mack on Contract Protection
"You don't ever want to give away rights to your project."
Jalene Mack on Legal Representation
"Not all entertainment attorneys are equal."
Jalene Mack on Building a Team
"Surround yourself with talent. Surround yourself with people who know more than you."
Jalene Mack on Entrepreneurship
"You don't have to know everything. Every experience is going to be something you learn from."
Rushion McDonald on Business Opportunities
"Don't get in this business with the lottery mentality."
Rushion McDonald on Intellectual Property
"Ideas are not registered. It's just an idea."
Jalene Mack on Non-Disclosure Agreements
"An NDA is a deterrent, but it is not ironclad."
Overall Message
The central message of the interview is that success in business and entertainment requires more than talent and great ideas. It requires planning, research, legal protection, financial discipline, and a knowledgeable team. Jalene Mack encourages entrepreneurs and creatives to approach every opportunity with caution, conduct thorough due diligence, and protect their intellectual property before pursuing growth. Her advice serves as a blueprint for avoiding costly mistakes and building a sustainable, successful business.
#SHMS #BEST #STRAW
Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success.
Business Podcast
Entrepreneurship
Small Business
Business Growth
Financial Literacy
Wealth Building
Black Entrepreneurs
Minority Business
Leadership
Executive Leadership
Business Funding
Marketing Strategies
Personal Development
Startup Advice
Sales Training
CEO Interviews
Founder Stories
Professional Development
Economic Empowerment
Business Success
Networking
Brand Building
Innovation
How to start a business
Small business funding
Entrepreneur success stories
Business leadership podcast
Wealth building strategies
Black entrepreneur podcast
Minority business development
Marketing for small businesses
Business growth strategies
Startup funding opportunities
Executive leadership training
Financial literacy education
Success mindset podcast
Support 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 T.M. Robinson-Mosley.
Founder of The Playbook, an award‑winning mental‑health‑performance sports‑tech company—joins Rushion McDonald to discuss how her platform is transforming athlete care, team culture, and performance measurement. The Playbook uses AI‑powered, gamified psychological assessments to measure stress, resilience, and overall mental well‑being across youth, collegiate, professional, and military sports environments.
Mosley explains how mental health—long treated as unmeasurable and stigmatized—is finally becoming trackable, private, and actionable. The Playbook provides real‑time alerts, data‑driven insights, and ecosystem‑wide tools for coaches, trainers, clinicians, and entire organizations.
She also shares her journey as a non‑coding tech founder, the scaling challenges brought on by the pandemic, and the broader impact The Playbook is poised to have across corporate, construction, military, and other high‑stress fields.
Purpose of the Interview 1. Introduce and explain The Playbook
To present The Playbook as a next‑generation mental health performance platform that quantifies mental well‑being, provides action plans, and enhances team culture.
2. Elevate the conversation around athlete mental health
Mosley breaks down stigma, highlights real athlete stories, and explains why mental analytics are as critical as physical analytics.
3. Show how the platform uses technology to prevent crises
The Playbook provides early detection, privacy protection, and immediate care support—catching problems before they become crises.
4. Highlight the expansion beyond sports
Although built in sports, the platform is already being requested by industries like construction, healthcare, first responders, and more. ]
5. Demonstrate the business model
As a SaaS B2B platform, The Playbook sells licensed subscriptions to organizations, teams, and associations.
Key Takeaways 1. Mental health can be measured—and must be
The Playbook converts psychological assessments into quantifiable metrics similar to heart rate or step count.
Athletes receive resilience, stress, and well‑being scores—like a “mental batting average.”
2. The platform offers real-time alerts
If an athlete’s score enters the “red zone,” coaches/clinicians receive immediate alerts with steps to take within 24 hours.
3. Privacy is paramount
The Playbook is HIPAA‑compliant, mobile, secure, and built to protect athlete data from misuse (e.g., contract negotiations).
4. Mental analytics are the next frontier of sports
Teams already use physical analytics. Now they can use mental analytics to track performance, prevent burnout, and reduce crises.
5. Built for the entire ecosystem—not just athletes
Coaches, front offices, sports medicine staff, and military leadership also use the platform—promoting culture-wide mental health.
6. The Playbook is expanding beyond sports
Industries with high stress—construction, medicine, law, emergency responders, veterinarians—are already approaching Mosley to adapt the system.
7. A critical solution for underserved communities
The platform makes mental health care accessible, private, digital, and stigma‑free—especially for youth and communities of color.
8. Performance is universal
Whether you’re an athlete, military member, parent, or worker—your mental state impacts how you perform. Performance is “agnostic.” [
9. Mosley’s journey shows innovation can come from anywhere
She is a non‑coding tech founder, originally trained as a psychologist working across the NBA, NFL, NCAA, and Olympic sports. [T.M. ROBINSON MOSLEY | Txt]
Notable Quotes On what The Playbook does
“We measure mental health metrics like resilience, stress and overall well‑being using gamified psych assessments.”

“Mental health becomes measurable—like a batting average.” [

On why athletes need this
“Elite athletes report battling depression and anxiety so severe they find it difficult to function, let alone perform.”
On the power of technology
“If we don’t measure something, we’re saying it doesn’t matter.”
“We use AI and machine learning to quantify mental health status.”
On privacy
“We are a HIPAA‑compliant platform… we don’t sell your data.”
On team culture
“Building a winning team culture is everybody’s everyday work.”
On mental and physical health
“If you are not mentally healthy, you are not able to perform at the highest level.”
On the future outside sports
“Who doesn’t want to train like an athlete?”
“Performance is agnostic.”
On purpose
“How do we make something exclusive accessible?”
“This is mental health care—it’s just a different version of it.”
In One Sentence
The interview reveals how Dr. T.M. Robinson-Mosley’s Playbook uses AI‑driven mental health metrics to revolutionize athlete care, provide real‑time performance insights, and expand mental wellness tools far beyond sports into everyday life.
#SHMS #STRAW #BEST

Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success.
Business Podcast
Entrepreneurship
Small Business
Business Growth
Financial Literacy
Wealth Building
Black Entrepreneurs
Minority Business
Leadership
Executive Leadership
Business Funding
Marketing Strategies
Personal Development
Startup Advice
Sales Training
CEO Interviews
Founder Stories
Professional Development
Economic Empowerment
Business Success
Networking
Brand Building
Innovation
How to start a business
Small business funding
Entrepreneur success stories
Business leadership podcast
Wealth building strategies
Black entrepreneur podcast
Minority business development
Marketing for small businesses
Business growth strategies
Startup funding opportunities
Executive leadership training
Financial literacy education
Success mindset podcast
Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success.
Business Podcast
Entrepreneurship
Small Business
Business Growth
Financial Literacy
Wealth Building
Black Entrepreneurs
Minority Business
Leadership
Executive Leadership
Business Funding
Marketing Strategies
Personal Development
Startup Advice
Sales Training
CEO Interviews
Founder Stories
Professional Development
Economic Empowerment
Business Success
Networking
Brand Building
Innovation
How to start a business
Small business funding
Entrepreneur success stories
Business leadership podcast
Wealth building strategies
Black entrepreneur podcast
Minority business development
Marketing for small businesses
Business growth strategies
Startup funding opportunities
Executive leadership training
Financial literacy education
Success mindset podcast
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Wednesday, November 11th, 2026: Steve Harvey's Morning Inspiration | Show Open - Cast Intros | Nephew Tommy's Prank - "NWA - N-Word Abolishers" | Ask The CLO | Trending & Entertainment News | Cruise Ship Pianist Rescued At Sea l One Has To Go | Nephew Tommy's Prank - "Parasites" | Strawberry Letter - "I'm Not Leaving, But He Can" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Black Friday (Sponsored by Macy's) | Would You Rather | Steve Harvey's Closing Remarks
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Tuesday, November 10th, 2026: Steve Harvey's Morning Inspiration | Show Open - Cast Intros | Nephew Tommy's Prank - "Church Gospel Quiz" | Ask The CLO | Trending & Entertainment News | Ole Miss Racist Incident l Greatest R&B Song | Nephew Tommy's Prank - "NWA - N-Word Abolishers" | Strawberry Letter - "Sliding Over To My Room" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | T-Mix (Sponsored By T-Mobile) | Would You Rather | Steve Harvey's Closing Remarks
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.