The Steve Harvey Morning Show

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee. Purpose of the Interview The interview aimed to: Highlight OneUnited Bank’s mission as the largest Black-owned and first Black-owned internet bank in America. Educate listeners on financial literacy, technology-driven banking, and economic empowerment in underserved communities. Promote OneUnited Bank’s products and services as solutions for financial challenges faced by Black Americans and others lacking access to traditional banking. Key Takeaways Historical Context & Mission The concept of a national Black-owned bank dates back to leaders like Booker T. Washington, W.E.B. Du Bois, and Martin Luther King Jr., who emphasized economic empowerment. OneUnited Bank was formed through acquisitions and later pivoted to technology-driven banking. Technology & Innovation OneUnited embraced AI and data aggregation over a decade ago to create products that help customers understand assets, liabilities, and net worth in real time. Banking has shifted from physical branches to digital platforms, enabling nationwide access. Financial Literacy Crisis 90% of Americans lack financial literacy, largely because it’s not taught in schools. Cohee advocates for mandatory K–12 financial literacy education, citing studies showing it can add $126,000 to lifetime net worth. Products Designed for Real Needs CashPlease: Short-term emergency loans at affordable rates. Second Chance Checking: Helps rebuild credit. Savings Programs: Often in collaboration with employers. These products address real-life challenges like low emergency savings and predatory check-cashing fees. Accessibility & Reach OneUnited offers nationwide banking via oneunited.com, surcharge-free ATMs, and partnerships with major networks. Customers can deposit checks online and access services without visiting physical branches. Economic Empowerment Technology enables entrepreneurship without owning physical products—leveraging branding and e-commerce. Cohee draws parallels between today’s tech opportunities and the historical wealth-building of Black Wall Street. Notable Quotes “We are FDIC insured, commercial bank like them. The only difference is we’re smarter and we have better technology.” “Technology and AI allow anyone to make decisions like they were an expert.” “If we taught financial literacy in schools, it would create over $100,000 in net worth per person over their lifetime.” “You don’t have to go to check cashers and get ripped off. Just go to oneunited.com.” “We’ve been working on AI for over a decade. We’re not coming to the party—we are the party.” “Our generation has technology and communication skills. We can change society.” #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 Elliot Holland. The managing partner of Guardian Due Diligence. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Buying Small Businesses vs. Franchises Holland explains the differences between purchasing a franchise and acquiring an independent business. He highlights the risk-reward balance, noting that franchises offer a structured model, while independent businesses can be more lucrative but require deeper due diligence. Financial Strategies for Business Acquisition He discusses the SBA 7(a) loan program, which allows buyers to acquire businesses with 90-95% financing, making ownership more accessible. Holland explains how leveraging financing can turn a small investment into a million-dollar business. Due Diligence & Avoiding Bad Deals He emphasizes the importance of financial diligence to ensure buyers don’t acquire failing businesses. Holland shares red flags to watch for, such as misleading financials and sellers masking poor performance. Masterclass for First-Time Buyers Holland introduces his Business Buying Masterclass, designed to educate entrepreneurs on the acquisition process. He provides one-on-one coaching, helping buyers navigate financing, negotiations, and deal structuring. Success Stories & Case Studies He shares examples of clients who successfully acquired businesses, including a 24-year-old entrepreneur and a 60-year-old investor. Holland highlights how his expertise helped buyers secure financing, conduct due diligence, and close profitable deals. About Elliot Holland & Guardian Due Diligence Elliot Holland is a Harvard MBA, private equity investor, and business acquisition expert. He founded Guardian Due Diligence to help first-time buyers confidently purchase profitable businesses. His firm specializes in financial diligence, ensuring buyers make informed decisions and avoid costly mistakes. Through his masterclass and consulting, Holland empowers entrepreneurs to build wealth through business ownership. #BEST #STRAW #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 Dr. Leola Anifowoshe. 🎯 Purpose of the Interview The interview aims to: Educate listeners on the science and solutions behind hair loss. Introduce Dr. Leola Anifowoshe’s work in functional medicine, trichology, and holistic hair restoration. Share her personal journey and expertise. Promote her clinic, products, and diagnostic approach to hair and scalp health. 🧠 Key Takeaways 1. Hair Loss is Treatable and Often Misunderstood Hair follicles may be dormant, not dead—where there’s life, there’s hope. Hair loss is often a symptom of deeper health issues, such as stress, inflammation, or liver dysfunction. 2. Holistic and Functional Approach Dr. Leola emphasizes testing over guessing. Her clinic uses microscopic scalp analysis, cell inflammation tests, and custom treatment plans. She avoids pharmaceuticals, relying on natural remedies and nutraceuticals. 3. Hair Loss as a Health Crisis Especially prevalent among Black women, often due to scarring alopecia from early perms. The American Hair Loss Association had not studied this demographic adequately. 4. Innovative Technology Her clinic developed a patented machine called the ResourciStation, which: Diagnoses scalp conditions. Removes debris. Stimulates follicles. Can transform salons into restoration centers. 5. Personal Story and Motivation Dr. Leola experienced hair loss due to sarcoidosis, a form of lupus. Her husband’s reaction to her baldness inspired her to create effective products. She was raised by blind family members, teaching her to rely on senses beyond sight, influencing her product development. 6. Product Highlights Ditch the Itch Shampoo: Detoxifies scalp. Smooth & Restore Conditioner: Nourishes hair strands. Awakening Complex: Stimulates dormant follicles using natural DHT blockers like pumpkin seed. Meltdown Scalp Oxygen Foam: Clears buildup and energizes follicles. 💬 Notable Quotes “Where there’s life, there’s hope—as it relates to hair follicles.” “Hair loss is a bully. You can’t fight it with a butter knife.” “We don’t guess—we test.” “Hair loss is a whistleblower—it tells you something deeper is wrong.” “I kill men back their wives. I give women back their husbands.” “I was born on the 4th of July. I was born for this.” “You can’t out-give God. Create a vacuum effect—give something to get something.” 🌱 Emotional and Cultural Impact Dr. Leola’s work is deeply rooted in community healing, especially for underserved populations. She challenges mainstream dermatology and beauty standards, advocating for natural, culturally aware solutions. Her clinic offers telehealth, making her services accessible nationwide. #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 Michelle Lilly. A cryptocurrency and blockchain educator and entrepreneur. Here's a summary of the key points discussed: 🎙️ Main Themes and Highlights Michelle Lilly’s Background Entered the cryptocurrency space in 2017. Initially lost money in a scam but used the experience to educate herself. Became the first African-American woman with a master’s degree in blockchain and digital currency from the University of Nicosia. Understanding Cryptocurrency Bitcoin is described as a protocol, not just a currency—used for value storage and transfer. Ethereum is highlighted for its smart contract capabilities and utility. Cryptocurrencies are a hybrid between stock and currency—they have utility like stock and liquidity like currency. Why Bitcoin Has Value Scarcity: Only 21 million Bitcoins will ever exist. Deflationary: Bitcoin undergoes a “halving” every four years, reducing the rate of new coins. Decentralization: Not controlled by any central authority, making it secure and transparent. NFTs and the Metaverse NFTs (Non-Fungible Tokens) are unique digital assets, often used for art and music. Artists can sell directly to consumers and earn royalties on resales. The metaverse is explained as a 3D version of the internet (Web 3.0), where users can own digital land and assets. Empowering Underserved Communities Michelle emphasizes the importance of African-American and female participation in crypto and blockchain. Encourages people to educate themselves and not wait for permission to participate in new financial systems. Practical Advice You don’t need a lot of money to start investing in crypto. Understanding the current financial system is just as important as learning about the new one. Consistency, self-awareness, and openness to criticism are key to success. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Wednesday, January 7th, 2026: Steve Harvey's Morning Inspiration | Show Open | Run That Prank Back - "Can I Paint Your Wife Naked?" | Ask The CLO | Entertainment News | J Rap's 1st Poem Of 2026 | Revenge Fire | Nephew Tommy's Prank - "Sweat Hog" | Strawberry Letter - "New Year, New Body" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Shirley Cooking Lessons | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.