The Steve Harvey Morning Show

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Sahra Halpern. President and CEO of the Business Consortium Fund (BCF) and Triad Investments. Here's a summary of the key points discussed: 🎙️ Episode Highlights 🌟 About BCF and CDFIs BCF is a nonprofit lender and a Community Development Financial Institution (CDFI). CDFIs are designated by the U.S. Department of the Treasury and exist to serve underserved communities. There are about 2,000 CDFIs across the U.S., working in small business and affordable housing sectors. 💼 Mission and Services BCF provides capital and support to minority-owned businesses, especially those with B2B models. They focus on relationship-based lending, helping clients through business cycles rather than writing off loans quickly. Since 1987, BCF has originated $228 million in loans and financed 950 minority business enterprises. 🧭 Application Process Applicants need to provide: Three years of tax returns Credit score Bank statements Cash flow analysis BCF emphasizes transparency and trust in the application process. 💡 Financial Advice for Entrepreneurs Know your industry – Understand the specific requirements of the sector you serve. Know your credit score – Monitor and improve it as needed. Don’t take on debt you can’t repay – Ensure your business cash flow can support loan repayment. 🤝 Community Engagement BCF relies heavily on word of mouth and community trust. They encourage early relationship-building, even before financing is needed. 📍 Location and Access BCF is physically based in New York but lends nationwide. Website: bcfcapital.com #SHMS #STRAW #BESTSupport 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 Dr. Nicole Roberts Jones. 🎯 Purpose of the Interview The interview aims to: Introduce Dr. Nicole Roberts Jones’ work helping entrepreneurs and professionals “bankroll their brilliance”. Encourage listeners to monetize their unique talents and create multiple streams of income. Inspire individuals to align their purpose with their profession for greater impact and fulfillment. Share strategies for overcoming fear, embracing authenticity, and building scalable businesses. 🧠 Key Takeaways 1. From Casting to Coaching Nicole’s early career in talent management and casting helped her develop a gift for recognizing people’s potential. She now uses that gift to help entrepreneurs and executives identify their “DNA” (Distinct Natural Ability) and turn it into income. “I could see you and how you could fit into the script… That’s really what I do with entrepreneurs now.” – Dr. Nicole Roberts Jones 2. Purpose Is Your Power Nicole emphasizes that purpose is the one thing you never get fired from. Aligning your work with your purpose leads to higher performance and deeper fulfillment. “When you bless somebody with the thing that you do, they’re gaining—and you’re gaining for God.” – Dr. Nicole Roberts Jones 3. Multiple Streams of Income She teaches clients to diversify their income by creating products, programs, and services that don’t require their constant presence—what she calls “money while you sleep” or “mailbox money.” Examples include: Lawyers creating online courses for clients who can’t afford billable hours. Gymnasts licensing their training methods and renting out facilities. “Your comfort zone is where your dreams go to die.” – Dr. Nicole Roberts Jones“If you are physically tied to the money you make, you’re capping your potential.” – Rushion McDonald 4. Stop Giving Away Your Brilliance Nicole warns against giving away intellectual property for free. She encourages professionals to recognize the value of their expertise and package it into paid offerings. “You’re giving away your cookie for free… You have value that people will pay for.” – Dr. Nicole Roberts Jones 5. Create a Methodology She helps clients build a blueprint for their expertise, turning routines and habits into teachable systems. Her metaphor: “You can’t see the label from inside the jar,” meaning people often overlook their own value. “It’s really helping someone produce the value that is coming out of you effortlessly.” – Dr. Nicole Roberts Jones 6. Authenticity Is a Business Strategy Nicole encourages people to embrace their full personality, even if it’s “too much” for some. She believes that being yourself is the key to attracting the right audience and opportunities. “Stop letting people turn down your light. This is who I am. God made me this way.” – Dr. Nicole Roberts Jones 💬 Memorable Quotes “Corporate doesn’t need more of corporate.” “Faith is the substance of things hoped for, the evidence of things not seen.” “Each of us were born to disrupt whatever system we’re called to work in.” 🌟 Impact of the Interview This episode is a masterclass in personal branding, purpose alignment, and entrepreneurial strategy. Nicole’s energy and clarity make her insights actionable and inspiring, especially for professionals looking to pivot, scale, or rediscover their value. #SHMS #STRAW #BESTSupport 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 Germaine Bolds-Leftridge. 💼 Business Overview I Know Skincare: A skincare brand created to empower women—especially Black women—by embracing their real age and promoting self-care. Mission: To challenge the anti-aging narrative and replace it with a pro-aging, affirming message: “#RealAge.” Inspiration: Germaine’s late mother, whose glowing skin and wisdom about self-care sparked the brand’s creation. 💡 Key Insights Anti-Aging vs. Pro-Aging: Germaine rejects the term “anti-aging,” advocating instead for embracing the natural aging process as a privilege and a journey. Target Market: Primarily Black women over 40, though the products are inclusive and used by a diverse customer base. Marketing Strategy: Focused and intentional—Germaine emphasizes the importance of knowing your audience and not trying to market to everyone. Cultural Relevance: The brand is rooted in cultural pride, self-affirmation, and economic empowerment, drawing parallels to movements like Black Wall Street. 🧠 Business Wisdom “The win happens in the fourth quarter.” “If you don’t like what you see, do something about it.” “You can’t sell to everyone. Know your audience and serve them well.” 📦 Bonus Highlights Dragonfly Symbolism: Represents transformation and resilience—core themes of the brand. Clinical Testing: Products are tested specifically on Black women to ensure effectiveness for their unique skincare needs. Legacy Building: Germaine’s goal is to create generational wealth and a lasting legacy for her family and community. #AMI #STRAW #BEST #SHMSSupport 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 Charles Cofield. Thanks! The transcript from this episode of Money Making Conversations Masterclass features an inspiring and high-energy interview with CPA and financial educator Carter Cofield, co-founder of Melanin Money. Here's a breakdown of the key highlights and takeaways: 🔑 Key Themes & Takeaways 1. Melanin Money: A Mission-Driven Firm Co-founded by Carter Cofield and a financial advisor friend to serve the Black community. Focuses on helping business owners save on taxes and invest wisely. Aims to close the wealth gap and promote financial independence. 2. Authenticity as a Brand Carter left corporate America after being told to hide his success and identity (e.g., facial hair, tattoos, car). Built his brand by being unapologetically himself—fun, energetic, and passionate about financial literacy. His authenticity has helped him connect with a wide audience and become a standout in a traditionally “boring” industry. 3. Personal Tragedy & Financial Awakening Lost both parents by age 16. Used grief as motivation to excel academically and professionally. Learned the importance of financial literacy after receiving only $5,000 from a $25,000 life insurance policy following his father’s death. 4. Financial Literacy & Health Believes “health is wealth and wealth is health.” Poor financial decisions often lead to poor health decisions (e.g., fast food due to affordability). Financial stress can directly impact physical and mental well-being. 5. Melanin Money Awards Annual event in Atlanta (July 18–20) celebrating Black wealth and financial milestones. Awards given for reaching net worth goals ($100K, $500K, $1M, $10M). Designed to make wealth-building visible and celebrated in the Black community. 6. Generational Wealth: Redefined Not just about leaving money to your kids. True generational wealth means your money lasts for multiple generations. Involves setting up trusts, investments, and financial education for future heirs. 7. Free Weekly Financial Classes Carter hosts free money classes every Wednesday at 7 PM ET. Accessible via his Instagram: @cofield_advisors 💬 Notable Quotes “Fear is Finally Exiting Average Reality.” “It’s okay to sleep in late when your money woke up early.” “The scariest thing is getting to the end of your life and realizing you never truly lived.” #SHMS #STRAW #BESTSupport 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 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.