The Steve Harvey Morning Show

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 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/one transaction
💬 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
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 Jeremy Anderson.
SUMMARY OF THE INTERVIEW
The conversation between Rushion McDonald and Jeremy Anderson on Money Making Conversations Masterclass covers Jeremy’s personal transformation, his mission-driven approach to motivational speaking, the creation of Next Level Speakers Academy, the power of environment and mindset, and his philanthropic work in South Africa. The interview highlights values such as purpose over profit, taking ownership, perseverance, and maximizing one’s potential. [
PURPOSE OF THE INTERVIEW
The purpose of the episode is to:
1. Introduce Jeremy Anderson’s Work
Showcase Jeremy’s role as a premier motivational speaker, founder of Next Level Speakers Academy, and co‑founder of Next Level Living, which feeds a thousand children weekly in South Africa. [
2. Inspire Listeners Toward Purpose‑Driven Success
Encourage viewers to move from “wasted potential” to purposeful, impactful living by believing in themselves and pursuing their gifts.
3. Demonstrate How Jeremy’s Principles Apply Broadly
Rushion emphasizes that Jeremy’s business, branding, and mindset strategies apply not just to speakers, but to entrepreneurs, executives, and everyday people.
4. Promote Actionable Personal Growth
The interview seeks to motivate listeners to take ownership, adopt non‑negotiable success habits, and maximize opportunities.
KEY TAKEAWAYS 1. Wasted Potential is a Universal Struggle
Jeremy defines wasted potential as having greatness inside but failing to believe in it or pursue it. Many people don’t lack talent — they lack belief and action.
2. Purpose Over Profit
He warns new speakers not to chase “the bag.”
Impact first → income follows. If your heart is for people, success comes naturally.
3. Your Story Is Your Superpower
Every struggle someone has overcome is a testimony meant to help others. Keeping quiet keeps your gift hidden.
4. Maximize Every Opportunity
Whether you’re speaking, laying concrete, or running a small business, get every drop out of every engagement — testimonials, photos, referrals, and relationship‑building.
5. Environment and Mindset Matter
True growth starts by changing your internal environment.
Jeremy’s life changed when teachers chose to see the best in him, showing that belief from others can shift self-belief.
6. Non‑Negotiables Build Discipline
Success requires habits you don’t negotiate with: early rising, prayer, meditation, cold plunges, challenging discomfort, and consistent personal development.
7. Extreme Ownership Replaces Excuses
Greatness comes from responsibility, not excuses. Jeremy demands accountability from his teams and himself.
8. Brand Is Built on Transparency
Jeremy’s brand centers on perseverance, faith, and family—not perfection. He shares both triumphs and private struggles.
9. Giving Back Is Central to His Purpose
Next Level Living feeds 1,000 children weekly and sponsors students in South Africa through college. Impact must extend beyond business.
NOTABLE QUOTES FROM THE INTERVIEW On Purpose & Potential
“Don’t come to me for profits. Come to me for purpose. Don’t come to me for income. Come to me for impact.”
“It’s only a testimony if you testify.”
“Most people don’t believe and they don’t pursue — that’s wasted potential.”
On Mindset & Environment
“I wasn’t living a life of purpose… I had to stop blaming others and go all in on me.”
“Sometimes the shackles we have are in our mind.”
On Discipline
“Success requires non‑negotiables.” (Waking early, prayer, meditation, discomfort training)
“People want comfort — but everything great comes with discomfort.”
On Value
“If you want to be valuable, you must have value.”
“They’re not paying me top dollar because I'm motivational. I solve a problem.”
On Legacy & Family
“My brand is perseverance and family.”
“These things don’t happen to me — they happen for me.”
On Accountability
“No excuses — take ownership.”
“I’ve never met anyone who became great from excuses.”
On Giving Back
“We’ve been feeding a thousand starving children every week since 2018.”
“We put 60 kids through college — and we’re just getting started.”
#SHMS #STRAW #BEST
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 Ashley M. Fox.
Summary of the Interview
In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people.
Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally.
The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20.
Purpose of the Interview
The interview aims to:
1. Inspire financial empowerment
Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes.
2. Demystify investing and wealth-building
She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners.
3. Highlight her fintech platform Emplify
She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes.
4. Encourage a mindset shift
Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions.
Key Takeaways 1. Wealth Begins with Belief and Mindset
Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it.
2. You Don’t Need a Lot of Money to Start Investing
She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth.
3. You Can Invest in Others’ Ideas—Not Just Your Own
Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation.
4. Ashley’s Own Journey Included Failure
After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going.
5. Financial Education Should Start Early
She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late.
6. Emplify Scales Wealth Education
Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively.
7. Social Media Is Her Biggest Access Point
Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are.
8. You Must Pay Yourself First
Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern.
9. Logic Over Emotion
Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth.
Notable Quotes (Taken From the Transcript) On Wealth Mindset
“When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.”
“There is no president that can build the wealth that you can create for your family.”
On Starting Small
“You don't have to have a lot of money to start. You just have to have the will to begin.”
“A whole lot of $20 can get you to a million—as long as you don’t stop.”
On Investing
“Consider the companies you give your money to and own them, because they are a lot cheaper than you think.”
“If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.”
On Self-Reliance
“You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?”
On Purpose and Identity
“My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.”
“Emplify is the movement. It just has my DNA.”
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Tuesday, March 3rd, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Corporal Punishment" | Ask The CLO | Memory Lane - Playground Stories | Would You Rather | You Don't Know Stress | Nephew Tommy's Prank - "Johnson's Freedom Call" | Strawberry Letter - "Tweedle Dee, He's With Me" Pt. 1-2 | Tommy Time - Trash Cans | Social Media Advice | March Madness Vasectomy | Would You Rather | Steve Harvey's Closing Remarks
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 Bamidele Farinre
Founder of No Ceiling Consulting, a biomedical scientist, STEM expert, agile project manager, and advocate for professional development, mentorship, and removing internal and systemic limitations (“ceilings”).
They discuss her STEM background, the evolving role of AI in science, the meaning of “no ceilings,” navigating personal and professional barriers, mentorship, setbacks, agile leadership, and how individuals—especially people of color—can create opportunity even in the face of bias and structural limitations.
🎯 Purpose of the Interview
The purpose of having Bamidele on the show was to:
1. Highlight her work at No Ceiling Consulting
Her firm helps individuals and organizations unlock potential, elevate performance, and lead with purpose, specializing in STEM leadership, DEI, professional development, and agile project management.
2. Explore the concept of “No Ceilings”
She provides a framework for breaking through personal and professional barriers—emphasizing that many “ceilings” are internal, learned, or based on access and systemic issues.
3. Discuss STEM, AI, and the future of work
She explains the growing role of automation and AI, how it reshapes STEM roles, and why professionals must upskill, adapt, and embrace professional development.
4. Provide strategies for career advancement
Her insights include mentorship, persistence, self‑advocacy, managing setbacks, and adopting agile mindsets.
💡 Key Takeaways
1. STEM + AI = New Opportunities, Not Job Loss
Automation and AI enhance efficiency, reduce manual labor, and create new roles—especially in labs and diagnostics. Instead of replacing workers, AI demands that professionals upskill and leverage technology for faster, better outcomes.
.txt).txt)
2. “No Ceilings” Means Removing Internal + External Barriers
Bamidele distinguishes between:
Personal ceilings
Internal doubts
Imposter syndrome
Feeling “not enough” despite capability
Learned perceptions from bias or discouraging environments
Professional ceilings
Being overlooked for opportunities
Lack of access to resources (even when resources exist)
Systemic barriers, bias, and limited upward mobility
“No ceilings” means operating from a mindset of possibility, not limitation.

3. Mentorship Is the Missing Link in Many Careers
Mentorship provides:
Guidance
Access
A blueprint from those who have “been there”
Confidence building
She explains that while mentorship is more visible today, access to the right mentorship still matters.

4. Setbacks Are Strategies in Disguise
She argues setbacks can redirect you to more aligned paths. Her personal example:
She failed her A‑level science subjects in the UK
A lecturer told her to “rethink her career”
Instead, she re‑enrolled, tried again, and succeeded
Setbacks force reassessment, new strategies, and new paths—if you don’t let them define you.

5. Professional Success Requires Initiative and Advocacy
She emphasizes:
Don’t wait for opportunities—go after them
Knock on multiple doors
Apply for roles even if you don’t feel 100% ready
Learn from interviews even if you don’t get the job
Rushion supports this point with his IBM story: opportunity started when he stopped complaining and clearly shared his goals.

6. Agile Leadership Applies Beyond Technology
Agile principles help leaders:
Think quickly and adapt
Focus on collaboration and accountability
Encourage self‑management
Support teams through “servant leadership”
Reflect and iterate rather than waiting for perfect plans
Agile mindset = resilience + responsiveness.

7. Faith, Vision, and Purpose Drive Her Journey
Bamidele speaks candidly about:
Faith guiding her through rejection and setbacks
Conversations with God grounding her
Believing her life is a “living testimony” of grace and perseverance

🗣 Notable Quotes (with citations) On AI and automation
“Automation makes life easier… without it, manual methods take hours, weeks, months to get results.”
.txt) [Bamidele F…(Podcast) | Txt]
On embracing AI
“AI is not taking your jobs, but those that ignore the AI will be left behind.”

On personal ceilings
“You’re thinking to yourself, ‘I can’t do it,’ even though you have the evidence to show you can.”

On professional ceilings
“You may have access, but you don’t have access to access.”

On initiative
“I don’t wait for opportunities—I always go for it. Worst case, you’ll say no.”

On setbacks
“When you have a setback, you’re thinking: what can I do? This can’t stop me.”

On mindset
“Life is all about risk. You have to look for solutions; there has to be another way.”

On faith
“Grace carried me to where I am today… my life is a living testimony.”

On the meaning of ‘No Ceilings’
“Why do we even have a ceiling in the first place? Let’s operate in a world where we don’t see the ceiling—only possibilities.”
.txt)
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.