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 Sandra Daley.
Founder of Destiny Executive Enterprise D Inc., joins Money Making Conversations Masterclass to share insights on entrepreneurship, cybersecurity, and personal growth. As the leader of one of the fastest-growing global IT companies in the USA, she focuses on helping individuals, institutions, and governments elevate their brands.
🔑 Key Themes & Highlights
Entrepreneurship & Business Growth
Sandra's company specializes in IT solutions, cybersecurity, and digital transformation.
She emphasizes the importance of strategic planning, branding, and scaling businesses effectively.
Her firm helps companies increase their brand visibility and market positioning by 10 times through innovative strategies.

Background & Personal Journey
Originally from Antigua, Caribbean, Sandra migrated to the U.S. at age 15.
Her career path shifted from law and aviation to computer science and cybersecurity after mentors recognized her strengths in STEM fields.
She worked for aerospace companies before launching her own IT firm.

Book: Delete@
The book guides readers through reprogramming negative thinking, breaking repetitive cycles, and embracing intentional growth.
Sandra overcame language barriers and self-doubt to write the book despite grammar challenges.
The key message: Delete negativity and replace it with actionable steps toward success.

Cybersecurity & Digital Protection
Sandra shares tips for protecting personal data, avoiding scams, and securing digital devices.
Encourages individuals to utilize security features on phones, download protection apps, and use services like LifeLock.
Advises against clicking suspicious links or engaging with unknown digital sources.

Mindset & Overcoming Fear
She discusses the toxic mind loop—how repeating negative thoughts can hinder success.
Emphasizes the power of mentorship, faith, and self-awareness in breaking harmful mental habits.
Encourages resetting daily routines, reprogramming thought patterns, and embracing a fearless mindset.

📘 Resources & Contact Information
Sandra’s work and book are available through:
🔗 Website: https://deenterprise.com/
🔗 Social Media: @SandraDaley


#BEST
#STRAW
#SHMS

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 Raoul Davis.
CEO branding expert and partner at Ascendant Group Branding:
🎙️ Interview Summary
Guest: Raoul Davis
Focus: CEO and executive branding, public relations, book deals, social media strategy, and personal brand development
🧭 Purpose of the Interview
To explore how Raoul Davis helps CEOs, retired athletes, entertainers, and executive leaders increase their top-line revenue through strategic branding. The conversation dives into the mechanics of personal branding, book publishing, social media engagement, and the mindset needed to build long-term success.
🔑 Key Takeaways 1. CEO & Executive Branding
Raoul’s firm specializes in human-to-human (H2H) branding, helping leaders become the “chief storytellers” of their businesses.
Branding is about authenticity and emotional connection, not ego or celebrity.
“You either get branded or you get labeled”—so take control of your narrative.
2. Speaking & Thought Leadership
Speaking should be part of a broader brand strategy, not just a revenue stream.
Good speakers focus on empathy and delivering 2–3 memorable takeaways.
Free speaking engagements can lead to high-value business opportunities.
3. Book Publishing Strategy
Traditional publishing offers the highest credibility, followed by hybrid models.
Self-publishing is oversaturated; 97% of books sell fewer than 500 copies.
A well-positioned book can be a powerful marketing tool and lead to seven-figure returns.
4. Social Media & Branding Do’s and Don’ts
Invest in professional photography and strong headlines.
Focus on one or two platforms where you’re most comfortable.
Use analytics and testing to refine your content strategy.
Understand platform demographics: Facebook: 30–65+ audience, best for product sales
Instagram: 25–40, visual storytelling
TikTok: younger or niche audiences, strong organic reach
LinkedIn: B2B and strategic partnerships
X (Twitter): real-time cultural engagement

5. Retired Athletes & Brand Equity
Athletes have built-in brand equity that can be leveraged post-career.
Raoul helps them transition into business ventures and thought leadership roles.
6. Personal Branding for Everyone
Start with a clear tagline or moniker that defines your expertise.
Know your audience and what they want to hear.
Practice strategic patience—success takes time and resilience.
💬 Notable Quotes
“You either get branded or you get labeled.”
“It’s not about ego—it’s about effectiveness.”
“Strategic patience is key. Optimists always win.”
“The two biggest reflections of who you are: how you spend your time and your money.”
“If you believe in your product, you should want people to know about it.”
📞 Contact Info
Website: ascendantgroupbranding.com
LinkedIn: Raoul Davis

#BEST
#STRAW
#SHMS
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.
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 Travis T. Wade.
A seasoned HR professional with over 25 years of corporate experience. His company THE GUARDIAN is a private security corporation with three separate divisions: Armed & Unarmed Uniformed Security Officers, Personal Protection, and Private Investigations. Serving the Georgia, Alabama and North Carolina states.
Their mission is to maintain a strict and unwavering code of ethics with our employees, clients and community; To provide the most qualified, dedicated and professional officers that represent both the client and THE GUARDIAN. And to establish and maintain the most effective security services available.
THE GUARDIAN is dedicated to providing the highest level of integrity available in the field of Security Management and Protective Services. We hire and train our people to be the most professional and qualified officers in the industry.
Talking Points.
1. The transition from the corporate world to entrepreneurship
2. Transitioning from NY to ATL
3. Current Company Guardian Security Management Inc.
4. Taking a company from a mom and pop operation to a corporation
5. Working with the competition
6. Operating multiple businesses
7. The importance of Human Resources for a small business
8. The transition from corporate to entrepreneurship
9. You company’s mission is to maintain a strict and unwavering code of ethics with your employees, clients and community;
10. To provide the most qualified, dedicated and professional officers that represent both the client and THE GUARDIAN.
11. And to establish and maintain the most effective security services available.
12. We hire and train our people to be the most professional and qualified officers in the industry.
13. Each work independently, supporting the other to provide our clients with a cohesive security program
a. Armed & Unarmed Uniformed Security Officers
b. Personal Protection
c. Private Investigations.
Most recently serving as the FVP Head of Human Resources at Carver Federal Savings Bank. Known for strategic leadership, Travis has excelled in developing and executing HR strategies aligned with organizational goals. His expertise spans succession planning, talent management, change management, organizational development, performance management, and compensation.
In his previous role, Travis led a team supporting 125 employees, demonstrating strategic partnership with division executives for effective workforce planning. He implemented a talent calibration process, fostering the identification and development of high potentials. Travis managed all aspects of HR, from recruiting to diversity initiatives, and redesigned the department to align with evolving business needs.
Travis’s impact extends to compensation, where he introduced incentive targets and designed innovative programs, including Management Equity Stock Award and Annual Incentive Programs. His commitment to culture management is evident through defining Core Values, enhancing company culture with workshops, and initiating recognition programs like the Carver Core Value awards and “Women’s in Business” Recognition program.
His dedication to employee development is reflected in the creation of the Leadership Pathways program, incorporating Graduate Leadership, Middle Management Leadership, and Diversity and Inclusion training. As Travis takes command of The Guardian Security Management, his wealth of experience and commitment to strategic HR leadership promise a positive impact on our organization.
Armed with a bachelor's in business administration from Queens College, Travis brings a solid educational foundation to his role.
His professional journey is marked by significant certifications, including Professional in Human Resource (PHR) and SHRM Certified Professional (SHRM-CP). These credentials underscore Travis’s commitment to excellence in the HR field, ensuring a high standard of expertise and best practices in his leadership.

#STRAW
#BEST
#SHMS

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.