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 Dr. George C. Fraser.
Interview Purpose
The purpose of this interview is to educate, challenge, and mobilize listeners—particularly within the Black community—toward financial literacy, economic empowerment, and generational wealth creation. Dr. Fraser uses his platform to stress that financial freedom is not accidental; it is the result of disciplined habits, strategic thinking, and collective economic action. He also emphasizes the critical role of networking, education, and ownership in shifting long‑standing economic disparities.
Core Themes Discussed 1. Financial Literacy as a Survival Skill
Dr. Fraser repeatedly emphasizes that financial illiteracy is dangerous and self‑defeating. He notes that many people are never formally taught how money works, leading to avoidable financial hardship. He argues that talking openly about money—in families, churches, and communities—is essential for progress.
2. The Three Rules of Financial Freedom
Dr. Fraser outlines three foundational rules that, if consistently followed, lead to financial stability and independence:
Housing costs should not exceed one week’s income
Only borrow money to make money
As income increases, cost of living should stay the same or decrease
These rules are positioned as practical guardrails that protect individuals from overextension and debt traps.
3. Habits That Keep People Broke
The interview details six destructive financial habits, including impulse buying, misuse of credit cards, paying minimum balances, and failing to build an emergency fund. Dr. Fraser stresses that these habits compound over time and prevent long‑term wealth accumulation.txt).
4. Generational Wealth Requires Structure
Dr. Fraser introduces four pillars necessary for intergenerational wealth transfer:
Proper management of accumulated wealth
Real estate ownership
Business ownership
Intentional investing
He explains that income alone does not create wealth; systems and ownership do.txt).
5. From Consumption to Ownership
A recurring message is the need to shift from being a consumer class to becoming a producer and merchant class. Dr. Fraser encourages entrepreneurship at every level—no matter how small—to build ownership and control economic outcomes.txt).
6. Networking and Collective Economics
Dr. Fraser highlights the importance of strategic networking and introduces concepts behind FraserNet and virtual economic ecosystems designed to connect Black professionals, businesses, and intellectual capital globally. He frames networking as an economic strategy, not a social activity.
Key Takeaways
Financial freedom follows rules, discipline, and education, not luck
Talking openly about money is essential to breaking cycles of poverty
Debt should only be used as a tool to produce returns
Living below one’s means creates capital for investing
Generational wealth requires planning, ownership, and systems
Multiple income streams are no longer optional—they are necessary
Networking is a vehicle for wealth creation and scale

Notable Quotes
“Your rent or mortgage should be no more than what you make in a week.”
“Only borrow money to make money.”.
“As your income increases, your cost of living should decrease or stay the same.”.
“Stop living above your means. Stop living within your means. Live below your means—and invest the rest.”.
“We are at the bottom of every economic statistic that matters. Education is the answer.”.
“There should not be a Black person in America with a single stream of income.”
“In America, somebody is always buying and somebody is always selling. Stop doing all the buying—sell something.”.
Conclusion
Dr. George C. Fraser’s interview serves as a call to action. It challenges listeners to confront unhealthy financial habits, embrace education, prioritize ownership, and build networks that support long‑term economic empowerment. The conversation underscores that true wealth is not about income alone, but about control, discipline, and legacy
#SHMS #STRAW #BEST
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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 Demond Martin.
Co‑founder and CEO of Well With All, a Black‑owned purpose‑driven wellness brand—joins Rushion McDonald to discuss health equity, entrepreneurship, his life story, his upcoming book Friends of the Good, and his new $1M AI Health Equity Prize.
Martin shares how his difficult upbringing in the projects and rural North Carolina shaped his commitment to giving back. After a successful 21‑year career as the only Black partner at a major hedge fund, he launched Well With All to merge consumer products, wellness, and social impact. The brand donates 20% of its profits to health‑equity initiatives.
He discusses product innovation, the importance of supplements in underserved communities, the power of Black longevity, and the need to prepare younger generations for healthier futures. He also explains his upcoming book—which uses Aristotle’s philosophy of “friends of the good” to show how meaningful relationships enable success.
The conversation is energetic, inspirational, and focused on using business as a force for social good.
🎯 Purpose of the Interview
The interview aims to:
1. Introduce Well With All
A wellness company offering supplements and energy drinks while funding health‑equity solutions.
2. Share Martin’s Personal Journey
From poverty, trauma, and instability → to White House, Harvard Business School, and a top hedge fund.
3. Promote His Book, Friends of the Good
A philosophy‑driven exploration of friendship, mentorship, and community.
4. Announce the $1 Million AI Prize
A major initiative to scale AI tools that close health‑equity gaps.
5. Encourage Health Awareness in Underserved Communities
Particularly around longevity, dietary choices, energy consumption, and supplement use.
🔑 Key Takeaways 1. Health Equity Drives the Mission
Martin emphasizes that health is a human right and disparities in nutrition, maternal health, and mental‑health access must be addressed.
2. Well With All = Social Impact + Consumer Products
The company donates 20% of profits and creates healthier alternatives (energy drinks, supplements) to replace harmful daily habits like sugary sodas.
3. Personal Story Fuels Commitment
He overcame poverty, a traumatic home life, and limited opportunity—and believes he survived because others poured into him.
4. Mentorship Changed His Life
Major turning points included:
Student body president at UNC Charlotte
Assistant to the White House Chief of Staff
HBS acceptance
Training under hedge‑fund leader Phil Gross
5. Expertise Matters
His success with Well With All is grounded in 21 years as an investor specializing only in consumer companies.
6. AI Can Close Health Gaps
The $1M Well With All Prize supports AI tools already impacting at least 1,000 lives with the potential to scale to 100,000+.
7. Black Longevity Documentary
His company created a film (NAACP Image Award–nominated) featuring Black elders aged 85–106 to redefine narratives around Black health.
8. The Power of Friendship
His book teaches readers how to identify “friends of the good,” the relationships that define one’s path and joy.
🗣️ Notable Quotes from Demond Martin (from the transcript)
(All quotes sourced from:)
On Health Equity
“Health is a human right. Everyone deserves nutritious food… everyone deserves to see a doctor.”
“Where With All is not just a brand—it's a movement.”
On His Upbringing
“I grew up in the projects… lived in a trailer… had a heroin addict as a stepfather. I’ve seen things that gave me perspective.”
On Perspective and Survival
“If this was me at 14… I’d be dead or in jail.”
On His Mission
“I need to start giving back today. I’ve lived a life of giving back—my parents and grandparents instilled that in me.”
On Product Philosophy
“Small, incremental choices add up. Replacing one sugary soda a day is 45,000 fewer calories a year.”
On Expertise
“All I did for 21 years is invest in consumer companies. That was my expertise.”
On Friendship & His Book
“Show me your friends, I’ll show you your future.”
“Friendship is one of the most essential elements of joy.”
On Confidence & Mastery
“Five years into my career, I knew I knew what the hell I was doing.”
On AI
“We’re not rewarding ideas—we’re rewarding impact.”
#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 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 #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 Ryan Richmond and Greg Bowman.
Co‑owners of Popcorn Remix, a Georgia‑based gourmet popcorn brand known for more than 60 innovative flavors ranging from King Crab Legs to Charlene’s Banana Pudding to chocolate‑covered strawberry.
Together they share their partnership story, the origin of Popcorn Remix, the explosive growth of their brand, how they built a powerhouse fundraising platform (WePowerFundraisers.com), their expansion into major sports and entertainment venues, and the unique combination of hustle, creativity, faith, and community service that drives their success.
🎯 Purpose of the Interview
The interview was designed to:
1. Highlight the Popcorn Remix brand and its explosive growth
From a storefront in Conyers, GA, to Mercedes‑Benz Stadium, Truist Park, the Georgia World Congress Center, the Atlanta Dream, and major convention centers.
2. Showcase their entrepreneurship journey as Black founders
They share how they partnered, overcame limitations, created their own lane, and scaled a product category long dominated by major national brands.
3. Promote their fundraising platform (WePowerFundraisers.com)
A system that gives organizations up to 50% of gross sales, ships popcorn directly to supporters, and supports churches, schools, nonprofits, cheer teams, and more.
4. Inspire entrepreneurs
Greg and Ryan share candid advice on partnership, sacrifice, differentiating your product, and believing in your gifts.
💡 Key Takeaways
1. A Powerful Partnership Built on Hustle, Trust & Alignment
Greg and Ryan met years ago through a men’s empowerment group and eventually partnered after Greg conceived the popcorn concept.
Ryan didn’t have the money but had “all the hustle in the world”—and that’s the partnership foundation.
They call themselves the Visionary & Executioner, committing to outwork anyone and always show up for each other.
2. Popcorn Remix Was Created to “Remix” What Popcorn Could Be
The brand name came from their church’s theme, “Year of the Remix.”
They wanted flavors never seen before: butter pecan, crab legs, chocolate‑covered strawberry, cookies and cream, lemon pound cake, jerk chicken, etc. [
Only three people in the world know the signature butter pecan formula.
3. Their Innovation Extends Beyond Flavors — Even the Kernels Are Different
They use “mushroom” kernels (round, fluffy) instead of standard “butterfly” kernels to prevent breakage, reduce seed fragments, and support orthodontic patients. [
Their popcorn is fluffier, smoother, and more versatile for gourmet coating.
4. The Storefront Is an In‑Person Experience
The Conyers, GA store provides:
Free sampling of all 60+ flavors
Music based on the time of day
Engaging, fun staff
Fresh gourmet popcorn made on-site
The storefront is intentionally designed to be a “vibe.”
5. Live Activations Are Their Secret Weapon
Their background in music and entertainment helps them:
Work crowds
Convert curious customers into buyers
Perform high‑energy demos
Showcase “activation flavors” like Lemon Pound Cake, which comes with instructions
These activations drew attention at Falcons games, arenas, conventions, and more.
6. Popcorn Remix Is in Major Venues Across Georgia
They have partnerships with:
Mercedes‑Benz Stadium (all levels)
Truist Park / Atlanta Braves
State Farm Arena
Atlanta Dream
Georgia World Congress Center
Georgia International Convention Center
They’re a favorite for cheer, volleyball, and large-scale events.
7. Their Brand Went Viral — Celebrities and even the White House Took Notice
Celebrity/luminary support includes:
Whoopi Goldberg
Daymond John
Sherri Shepherd
Anthony Hamilton
Cathy Hughes (Radio One/TV One founder)
The White House (Hip-Hop 50th celebration invitation)
Their popcorn has literally made it to the White House.
8. Their Fundraising Platform Is a Game-Changer
WePowerFundraisers.com gives:
Up to 50% of gross sales to organizations
Automated direct‑to-door delivery
No upfront costs
10‑day fundraiser windows
Ten curated flavors for easy purchase
They’re now targeting national Greek organizations (“Divine Nine”) to scale. [
9. Massive Growth: $1.5 Million in 3 Years
They realized they “had something” when they hit $1.5 million in revenue, without debt, and only two founders running things.
They even had to turn down a $4M deal because they didn’t yet have the production capacity—prompting them to invest heavily in a new warehouse.
10. They Reinvented Their Ops with Subscriptions & TikTok Shops
They recently added:
A monthly popcorn subscription
A TikTok Shop that allows creators to sell Popcorn Remix and earn revenue
These innovations help them scale nationally.
🗣 Notable Quotes (with citations) On their partnership
“He said, ‘I ain’t got a whole bunch of money… but I got all the hustle in the world.’”
On their role to each other
“I refuse to be outworked… whenever you call, I’m available.”
On Popcorn Remix’s purpose
“We want to remix popcorn… make it unlike anything you’ve ever seen before.”
On competition
“When you're going against a giant, you gotta have something real… We had a rocket launcher.”
On their breakthrough moment
“We grossed $1.5 million in three years… from popcorn. I knew we had something.”
On celebrity validation
“When Whoopi sent the picture… and then the White House… that was it.”
On entrepreneurship
“Dreams don’t expire. How you start is not how you finish.”
On community fundraising
“It’s one thing to ask for something. It’s another to give something back.”
#SHMS #STRAW #BEST #AMI
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 Kevin Cohee.
Title: Owner, Chairman & CEO of OneUnited Bank
Host: Rushion McDonald
Podcast: Money Making Conversations Masterclass
Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities.
Purpose of the Interview
The interview is designed to:
Educate listeners on why Black-owned banks matter historically and economically.
Explain how technology has transformed banking, making location irrelevant.
Address financial exclusion, particularly reliance on check-cashing services.
Promote financial literacy as the foundation of wealth creation.
Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity.
Key Themes & Takeaways 1. A Mission Rooted in Black History
Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend.
Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank.
Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes.
Takeaway: Economic independence has always been central to Black progress.
2. From Brick-and-Mortar to Digital Banking
OneUnited originally grew by acquiring small Black-owned banks nationwide.
The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access
Physical branches are no longer required
Digital reach enables national—and global—impact

Key insight: Technology allowed OneUnited to become a national Black bank without national branches.
3. Financial Technology Built for Real-Life Problems
Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms.
Examples include:
Second-chance checking accounts
Emergency small-dollar loans
Alternative credit criteria
Nationwide surcharge-free ATM access
AI-powered tools that help users understand: Cash flow
Assets vs. liabilities
Net worth (or debt)
Financial decision-making in real time

Takeaway: Banking should help people function—not punish them for past mistakes.
4. Financial Literacy Is the Real Wealth Gap
Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education

He compares this to not teaching reading—and then blaming people for illiteracy.
OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts.
Key message: Financial literacy, not income alone, determines long-term wealth.
5. Ending Dependence on Check-Cashing Services
Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods.
OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches.
Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com.
Takeaway: Lack of access is no longer an excuse—awareness is the missing link.
6. Technology as the New “40 Acres”
Kevin draws a powerful parallel: Land ownership was once the primary source of wealth.
Technology and financial literacy are today’s equivalents.

Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage.
Key insight: Technology levels the playing field—if people understand how to use it.
7. Mandatory Financial Literacy as a Policy Solution
Kevin advocates for required financial literacy courses in all U.S. schools.
He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student.

He frames this as a matter of equity, not preference.
Takeaway: Systemic problems require systemic solutions.
Notable Quotes
“The concept of a national Black-owned bank goes all the way back to slavery.”
“We’re not behind in technology—we are the party.”
“Ninety percent of Americans are not financially literate.”
“You don’t have to go to check cashers and get ripped off.”
“Technology is the new 40 acres.”
“Financial literacy alone can generate over $100,000 in net worth per person.”
“There has never been a better time to build a business than right now.”
Overall Impact
This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as:
A modern solution to historic exclusion
A technology-first institution built for underserved communities
A catalyst for financial literacy, entrepreneurship, and wealth creation
Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage.
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
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