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/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/
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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 Heather Younger.
Founder and CEO of a leading employee engagement and workplace culture consulting firm:
🎙️ Interview Summary
Guest: Heather R. Younger
Role: CEO, workplace culture consultant, author, speaker
Topic: Employee engagement, workplace culture, self-leadership, and overcoming fear
🧭 Purpose of the Interview
To explore Heather Younger's journey as a workplace culture expert, her insights into employee engagement, and her new book The Art of Self-Leadership. The conversation centers on empowering individuals to lead themselves, navigate workplace challenges, and overcome fear to unlock personal and professional growth.
🔑 Key Takeaways 1. Employee Advocacy & Engagement
Heather has read over 30,000 employee surveys and facilitated 100+ focus groups.
She emphasizes active listening and creating safe spaces for employees to express concerns.
Her mission is to amplify the voices of employees, especially during organizational transitions like mergers.
2. Self-Leadership & Personal Growth
Heather encourages individuals to be their own advocates and not wait for others (including HR) to “save” them.
She promotes intentional reframing—shifting negative thoughts into rational, empowering ones.
Her new book, The Art of Self-Leadership, includes exercises like fear mapping to help readers identify and overcome internal barriers.
3. Navigating Fear in the Workplace
Heather outlines five ways fear holds people back professionally:
Fear of feedback – avoiding growth due to fear of criticism.
Fear of retribution – hesitating to speak up.
Fear of speaking truth to power – lacking psychological safety.
Inherited fears – generational or cultural fears that shape behavior.
Fear of regret – not taking action and living with “what ifs.”
4. Daily Practices for Mental Strength
Reflect nightly on what went well and what you controlled.
Practice gratitude and mindfulness.
Prioritize sleep, hydration, and mental clarity.
Treat each day as a chance to iterate and improve.
💬 Notable Quotes
“I needed to be the change I was seeking.”
“Feedback is a gift—even if it hurts.”
“You have to fight tooth and nail for your own mental space.”
“Don’t wait to be invited—ask.”
“See yourself as a work in progress, not a finished product.”
📚 Book Mentioned
Title: The Art of Self-Leadership
Focus: Empowering individuals to lead themselves through fear, change, and uncertainty
📞 Contact Info
Website: HeatherYounger.com
LinkedIn: Heather R. Younger
Social Media: Active on YouTube, Facebook, Twitter, Instagram

#STRAW
#BEST
#SHMS
#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/
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 Shelli-Ann McKenzie.
Purpose of the Interview
The interview focuses on advocating for healthcare professionals, addressing the challenges they face, and introducing Shelli-Ann McKenzie’s nonprofit organization, Help for Healthcare Professionals (HCPP). The goal is to highlight burnout, financial struggles, and systemic issues in healthcare while promoting programs that support mental wellness, financial literacy, and career development.
Key Takeaways
Healthcare Workforce Challenges
Nurses and healthcare professionals face high stress, burnout, and long hours, leading to workforce shortages.
Many professionals struggle financially—24% live in poverty.
Lack of professors in nursing schools limits the number of students entering the profession.

Understanding Nursing Roles
Nursing includes multiple levels: Registered Nurse (RN): Associate or bachelor’s degree.
Advanced Practice Nurses: Master’s level (e.g., Nurse Practitioner, Nurse Educator).
Doctorate Level: Doctor of Nursing Practice (DNP) or PhD.

Nurse practitioners often function as an extension of physicians, providing quality care.

Respect and Recognition
Nurses provide more direct care than any other health profession but often lack recognition.
Advocacy is key to ensuring nurses can practice at the highest level and improve access to care.

Why HCPP Was Founded
Born out of COVID-19 crisis and Shelli-Ann’s personal experience with burnout.
Mission: Provide mental health referrals, financial assistance (gift cards, gas), and professional development.
Programs include: Financial literacy workshops
Entrepreneurship training for healthcare professionals
Scholarships and internships for aspiring professionals


Youth Med Program
Targets ages 13–20 to build a healthcare workforce pipeline.
Offers hands-on training, CPR certification, exposure to neurosurgeons, and mentorship.
Tuition-free and designed to scale nationally.

Funding and Community Support
HCPP is a nurse-owned nonprofit, funded by federal grants and donations.
Annual event: Night of Grand and Gratitude—a charity awards dinner to raise funds for programs.

Notable Quotes
“No one else was coming to save us—so I created HCPP.”
“24% of healthcare professionals live in poverty.”
“If we don’t have enough professors, we cap nursing students—it’s cyclical.”
“The most rewarding part of nursing is showing up for people in their most vulnerable moments.”
“Every dollar we raise fuels education programs like Youth Med—strategic investment in the future of healthcare.”
#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 Blayther Sabbat.
Purpose of the Interview
The interview aims to:
Showcase Blayther Sabbat’s mission through his nonprofit Pillars of Success, which empowers returning citizens and at-risk youth.
Discuss strategies for reducing recidivism and creating pathways to success via mentorship, financial literacy, and career development.
Inspire individuals and communities to take action toward social impact and economic empowerment.
Key Takeaways
Background and Motivation
First-generation Haitian-American from Washington, D.C.
Athletic background (DeMatha Catholic High School football) instilled discipline and leadership.
Personal experiences with family and community challenges inspired his commitment to mentorship and reentry programs.

Pillars of Success
A 501(c)(3) nonprofit providing wraparound services: Mentorship
Financial literacy
Life and work skills
Career development and housing support

Focus on empowering returning citizens and at-risk youth to reintegrate successfully into society.

Challenges and Misconceptions
Common stigma: People assume returning citizens are “bad individuals.”
Reality: Many are in survival mode and lack resources, not character.
Success requires personal accountability and willingness to change.

Impact and Measurement
Success is defined as progress, even small steps like consistent routines or positive mindset.
Emphasis on action: “The difference between success and failure is taking action.”

Affordable Housing Advocacy
Sabbat worked at D.C. Housing Authority for 8 years, rising from clerical assistant to certified housing inspector.
Purchased property at age 26, faced conflict-of-interest issues, and resigned to pursue real estate and community impact full-time.

Career Development and Partnerships
Promotes trades (plumbing, HVAC, carpentry, IT) as sustainable career paths.
Partnerships with Google for digital literacy tools and scholarships.
Collaborates with local universities and organizations for training and job placement.

Financial Literacy
Learned through personal experience buying property on a $35K salary.
Advocates understanding credit, banking, and responsible money management.

Call to Action
Support through donations, mentorship, volunteering, and spreading awareness.
Website: www.pillarsofsuccess202.com

Notable Quotes
On stigma:
“People judge returning citizens as bad individuals without knowing their story. Many are just in survival mode.”

On success:
“Progress—any form of it—is success. The difference between success and failure is taking action.”

On leadership:
“We don’t succeed unless they succeed.”

On financial literacy:
“It’s not about how much you make—it’s about what you do with it.”

On courage:
“I walk by faith. Fearless. Failure and fear are the same—you learn from mistakes.”

#SHMS #STRAW #BEST

Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.