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 Keith Milner.
Purpose of the Interview
The interview aims to inspire aspiring entrepreneurs by sharing Keith Milner’s journey from corporate America to entrepreneurship. It emphasizes discipline, leadership, risk-taking, and strategies for building generational wealth, particularly for underrepresented communities.
Key Takeaways
Foundational Lessons from Childhood
Growing up in a disciplined, hardworking family taught Keith accountability, integrity, and the principle of choices and consequences.
Education was highly valued in his household, shaping his drive for success.

Corporate vs. Entrepreneurial Mindset
Corporate careers can feel secure but are often riskier because you lack control over your destiny.
Entrepreneurship offers greater control and potential for generational wealth.

Leadership and Teamwork
Lessons from sports—teamwork, discipline, and leadership—translate directly into business success.
Establishing a common goal and coaching employees is crucial, but underperformers must eventually be let go.

Risk and Value
Many African-Americans view entrepreneurship as risky, but Keith argues it’s less risky than employment in an at-will state.
Success depends on creating value that customers are willing to pay for.

Franchising Journey
Relationships opened doors to Jersey Mike’s franchise ownership.
Entrepreneurship requires hands-on involvement—Keith still works in his stores when needed.

Advice for Aspiring Entrepreneurs
Adopt a growth mindset and positive attitude.
Follow the Five P’s: Plan, Prepare, Produce, Pivot, Persevere.
Understand that entrepreneurship is a daily grind—“Every morning in the jungle, the lion wakes up running.”

Notable Quotes
On discipline and accountability:
“If you said you were going to do something, you did it. If you were told to do something, you got it done.”

On choices:
“We make choices every day, and if you don’t make the right choice, there are consequences.”

On entrepreneurship vs. employment:
“Entrepreneurship and small business ownership is the best way to create generational wealth.”

On leadership:
“There are very few things in life you can do alone. You need people, you need a team.”

On success formula:
“You control the inputs, and therefore you can charge what you want—as long as you generate enough value.”

On entrepreneurial mindset:
“Plan, Prepare, Produce, Pivot, Persevere.”

Swahili proverb:
“Every morning in the jungle, the lion wakes up running… The question becomes, who’s going to run the fastest?”

#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 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 Dr. Tiffany Bussey
Title: Director, Morehouse Innovation and Entrepreneurship Center (MIEC)
Dr. Tiffany Bussey discusses how the Morehouse Innovation and Entrepreneurship Center works to scale Black- and Brown-owned businesses, close the racial wealth gap, and intentionally connect entrepreneurs and workers to capital, contracts, and emerging industries, particularly in sustainability.
Purpose of the Interview
The interview serves to:
Educate listeners about the systemic barriers facing Black entrepreneurs beyond access to capital.
Highlight practical solutions—programs, partnerships, and ecosystems—that create real economic outcomes.
Shift mindsets around entrepreneurship, risk, and opportunity, especially in underserved communities.
Expose listeners to emerging, high-growth industries (e.g., sustainability, EVs, renewable energy) instead of oversaturated traditional businesses.
Promote community-based economic ecosystems, particularly the collaboration between Morehouse, Goodwill, and corporate partners.
Key Themes & Takeaways 1. Entrepreneurship as a Tool for Closing the Wealth Gap
Dr. Bussey positions entrepreneurship and business ownership as one of the most effective ways to generate long-term wealth in Black communities.
The Center has supported 400+ scalable, mid-sized businesses, resulting in: 850+ jobs created
$34M+ in new capital accessed
$82M+ in new revenue generated

Key insight: The problem isn’t a lack of capable Black businesses—it’s visibility, access, and opportunity.
2. “Access to Opportunity” Matters as Much as Capital
While access to capital dominates the conversation, Dr. Bussey emphasizes access to contracts and decision-makers.
MIEC programs are designed with opportunity partners (large corporations, general contractors, primes) so participants gain: Exposure to real contracts
Understanding of supply chains
Direct relationships with decision-makers

Takeaway: Capital without revenue and customers won’t sustain a business.
3. The Three C’s of Business Growth
Dr. Bussey outlines MIEC’s core framework:
Capital – Funding and financial resources
Connections – Two-way, relationship-based networks
Contracts – Revenue-generating opportunities
She stresses that connections only matter if relationships are mutual—it’s not enough to “know someone” unless they also understand your value.
4. Breaking Stereotypes About Black-Owned Businesses
Dr. Bussey addresses harmful narratives around skill, readiness, and qualifications.
She highlights intentional strategies to: Prepare businesses before opportunities arise
Align training and recruitment with future industries
Counter biases through performance, scale, and visibility

Key idea: Preparation plus access dismantles bias.
5. Sustainability = One of the Largest Economic Opportunities
Dr. Bussey reframes sustainability as an economic opportunity, not just an environmental issue:
Electric Vehicles: ~$163B industry
Green Construction: ~$324B industry
Renewable Energy: ~$952B industry
Sustainable Agriculture: ~$20B industry
She urges listeners to stop defaulting to oversaturated businesses (e.g., nightclubs) and instead pursue industries that are expanding rapidly and globally.
6. Workforce Development + Business Development Must Align
Goodwill provides free job training, certifications, and even stipends for individuals.
Morehouse trains businesses that can hire those workers, creating a full economic loop.
This ecosystem addresses two major barriers simultaneously: Human capital
Business readiness

Takeaway: Economic equity requires aligned systems, not isolated programs.
7. Entrepreneurship Is Rewarding—but Not Romantic
Dr. Bussey demystifies entrepreneurship:
It’s high-risk, exhausting, and statistically likely to fail early.
Failure is part of the process, but historical and financial realities make risk harder for Black entrepreneurs.
Ownership remains critical despite these challenges.
Key message: Entrepreneurship is powerful, but it must be supported intentionally.
Notable Quotes
“Entrepreneurship and small businesses are one of the pathways to closing the racial income inequality gap.”
“We don’t just provide technical assistance for technical assistance’s sake—this is about creating real opportunity.”
“Capital dominates the conversation, but contracts are equally important.”
“People don’t buy products or services. They buy solutions.”
“We have to stop thinking only about what we feel we have access to.”
“Sustainability is not one industry—it’s multiple trillion-dollar opportunities.”
“Entrepreneurship is the most rewarding and the most fatiguing thing you’ll ever do.”
Overall Impact
The interview functions as both a masterclass and a call to action:
For entrepreneurs: Think bigger, pursue scalable industries, and prepare for opportunity.
For communities: Build ecosystems, not silos.
For institutions and corporations: Inclusion requires intentional design.
Dr. Tiffany Bussey presents a practical, data-backed roadmap for inclusive economic development—centered on ownership, access, and readiness.
#STRAW #SHMS #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. Yolanda “Yo-Yo” Whitaker.
SUMMARY OF THE INTERVIEW
In this interview on Money Making Conversations Master Class, host Rushion McDonald speaks with Dr. Yolanda “Yo-Yo” Whitaker—Grammy‑nominated rapper, actress, radio host, philanthropist, and now the star of Downright Delicious with Yo-Yo, a cooking series on AspireTV.
The conversation moves through Yo‑Yo’s evolution as an artist and entrepreneur, her spiritual and personal transformation, her love for food and cooking, and the creation of her television cooking show. She reflects on surviving and thriving in an unpredictable entertainment industry, learning discipline, overcoming fear, and discovering new purpose later in life through cooking.
Yo‑Yo also shares her philosophy on authenticity, family, and faith. She describes how the pandemic deepened her love for cooking, how her show blends food + family + culture, and offers practical cooking tips.
PURPOSE OF THE INTERVIEW
According to the interview content, the purpose is to:
Highlight Yo‑Yo’s transition from iconic hip‑hop entertainer to food‑focused TV personality.
Promote her Aspire TV series “Downright Delicious with Yo‑Yo.”
Share insights on career longevity, entrepreneurship, reinvention, and personal growth.
Inspire listeners with actionable advice on fearlessness, budgeting, confidence, and purpose‑driven living.
Celebrate cooking as an expression of love, culture, peace, and family connection.
KEY TAKEAWAYS 1. Reinvention Requires Honesty & Letting Go
Yo‑Yo stresses that overcoming fear came from “getting real” with herself, abandoning trying to look successful, and restructuring her finances and lifestyle.
She had to “let the old me die so the money could grow.”
2. Entrepreneurship Is a Lifelong Reality for Artists
She and McDonald emphasize that entertainers are entrepreneurs, without the stability of 40‑hour jobs, making resilience essential.
3. Purpose Matters More Than Fame
She encourages people to seek purpose—not just fame or quick money—and do the work that builds confidence and personal foundation.
4. Cooking Became Her “Happy Place” and Divine Gift
Yo‑Yo says cooking is a God‑given gift and a therapeutic practice that began thriving during the pandemic.
It helped her through depression and opened new creative fulfillment.
5. Her Cooking Show Blends Food + Family + Culture
The show features:
Her mother
Her partner
Her kids
Celebrity friends
Authentic cultural dishes with her unique twist
It’s not guest‑driven; it’s family‑driven storytelling in the kitchen.
6. Technique & Tools Matter
She emphasizes:
Good knives (sharpen weekly)
Quality pots
Measuring ingredients
Understanding seasonings
Building confidence by cooking regularly
7. Simplicity + Love = Great Food
According to Yo‑Yo, love is the secret ingredient, and cooking is about joy, connection, and comfort, not rigid perfection. [
NOTABLE QUOTES FROM THE INTERVIEW
(All quotes drawn exactly or near‑exactly from the transcript.
) [
On Fear and Growth
“I had to let the old me die so that the money could grow.”
“What I did to overcome my fear was to call myself fearless.”
“You have to get real with yourself. You really have to do the work.”
On Purpose and Success
“If you don’t find your purpose, you’re just job hunting.”
“God told me, because of your obedience, I’m going to give you the desires of your heart.”
On Cooking
“Cooking is my happy place.”
“I’m not a chef—I just love to cook.”
“If you don’t love what you cook, we don’t want to taste it.”
On Family
“More than serving a meal, I’m serving family.”
“When mama’s in the house and they can smell food cooking… that’s everything.”
On Her Show
“You get to see Dr. Yolanda ‘Yo‑Yo’ Whitaker for the first time.”
“I only cook things I love—things I’m comfortable with.”
“The food is the star.”
On Technique
“Great knives will save your life.”
“If you use your knives a lot, sharpen them every week.”
On Pandemic Transformation
“I started really cooking during the pandemic… it took me out of my depression.”
#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 Felecia Hatcher.
Purpose of the Interview
To spotlight Black Ambition, a national initiative founded by Pharrell Williams that funds and mentors Black and Brown entrepreneurs.
To share insights on entrepreneurship, access to resources, and strategies for scaling businesses.
To inspire and educate small business owners and innovators on how to leverage opportunities for growth.
Key Takeaways
About Black Ambition
Founded by Pharrell Williams to close the opportunity gap for Black and Hispanic entrepreneurs.
Provides capital, mentorship, and masterclasses to help founders scale.
Has invested in 131 companies and awarded millions in funding.

Competition Structure
Annual national competition with 2,500–3,000 applications.
Categories include HBCU, National Finalists, Top Prize Winner, People’s Choice.
Process: Applications → 250 semifinalists → 3-month cohort → Demo Day for top 20–25 companies.

Unique Approach
Focus on high-quality mentorship, not “low vibrational” guidance.
Includes mental health and wellness support for entrepreneurs.
Partnerships with brands like Louis Vuitton for luxury retail insights.

Challenges for Entrepreneurs
Many fail by rushing applications and skipping info sessions.
Success requires clarity, traction, and persistence—sometimes multiple attempts.
Black women are the fastest-growing entrepreneurs but often remain solopreneurs; Black Ambition prioritizes team-building.

Pharrell’s Motivation
Believes in democratizing opportunity: “Talent is not equally distributed by zip code, but opportunity can be.”
Inspired by those who believed in him early in his career.

Felecia Hatcher’s Journey
Former founder of Center for Black Innovation and Black Tech Week.
Emphasizes resilience: “I’m a C student and a college dropout, but I never let that define me.”
Advocates for creative pathways to success and capital access.

Notable Quotes
“Success leaves clues.” – On learning from past winners.
“Talent is not equally distributed by zip code, but opportunity can be.” – Pharrell’s guiding principle.
“If it doesn’t work on you in that moment, it works for you in that moment. Either way, it works.” – On persistence.
“We have to start enjoying the process… be stretched, be cut by the process.” – On entrepreneurial growth.
“Wealth has a need for speed.” – On urgency in closing the wealth gap.
#SHMS #STRAW #BEST
Support the show: https://www.steveharveyfm.com/
See omnystudio.com/listener for privacy information.