Strawberry Letter

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Got a situation? Steve Harvey and Shirley Strawberry deliver unfiltered advice on love, relationships, family, work, and life. Send your letter, subscribe, and get real talk every day! Every weekday, the Steve Harvey Morning Show tackle a listener-submitted “Strawberry Letter”... a real-life dilemma ranging from romantic entanglements to career choices, family drama to money struggles, and everything in between. With a blend of wisdom, wit, and brutal honesty, they offer candid commentary and heartfelt guidance, often sparking conversation (and laughter) among the rest of the morning show crew. Submit your Strawberry Letter at www.steveharveyfm.com for a chance to be featured, and get the truth, Steve Harvey style!

  1. Financial Tips: She educates families on how to avoid student loan debt through her proven system, The Scholarship System.

    34 MIN AGO

    Financial Tips: She educates families on how to avoid student loan debt through her proven system, The Scholarship System.

    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 Jocelyn Pearson. Purpose of the Interview The interview on Money Making Conversations Masterclass with Rushion McDonald and Jocelyn Pearson aimed to: Share Jocelyn’s journey of graduating debt-free by securing $126,350 in scholarships. Educate families on how to avoid student loan debt through her proven system, The Scholarship System. Dispel myths about scholarships and provide actionable steps for parents and students. Key Takeaways Scholarship System Approach Jocelyn developed a six-step process to simplify scholarship applications and avoid overwhelm. Focus on breaking the process into small, manageable steps rather than a vague “go get money” directive. Common Myths Debunked Too early or too late to apply: Start by junior year; it’s never too late—even college seniors can apply. Only perfect students or low-income families qualify: Many scholarships don’t require high GPA or athletic ability. All good scholarships are gone: Smaller, local scholarships ($500–$5,000) add up over time. It takes too much time: With a system and reusable materials, effort decreases each year. Avoiding Scholarship Scams Beware of “easy,” “enter to win,” or sweepstakes-style scholarships—they often sell personal data. Real scholarships require effort and personalization. Role of Parents Parents should help with planning and identifying legitimate scholarships but not complete applications for students. Committees can detect when parents write essays. AI in Scholarship Applications Jocelyn warns against copy-pasting AI-generated essays. Her platform introduced TESS, an AI assistant for ethical guidance and support. Financial Aid Basics Submit FAFSA even if you think you won’t qualify; some colleges and states require it. Combine all sources—government aid, institutional aid, and private scholarships. For Current College Students Check with financial aid offices, academic departments, and organizations for scholarships available after freshman year. Entrepreneurial Journey Jocelyn turned her passion into a business by starting with a book, building an email list, and launching webinars. She emphasizes persistence and ignoring naysayers. Notable Quotes “I had to accumulate my way to getting college paid for—the mere mortals’ way to going to college without tons of debt.” “Most families want scholarships, but they get stuck in the overwhelm.” “There’s no big red easy button—but with clear steps, it feels less daunting.” “We’re saying no to the broken system… It takes, on average, 21 years to pay off student loans.” “With great power comes great responsibility—AI can help, but only if used ethically.” #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    29 min
  2. Career Change: They both have degrees in STEM and launched their premium vodka-based drink brand.

    6 HR AGO

    Career Change: They both have degrees in STEM and launched their premium vodka-based drink brand.

    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 Taia Rashid and Daphne Carter. 🎯 Purpose of the Interview To highlight the entrepreneurial journey of Taia Rashid and Daphne Carter, co-founders of Cassie Beverage, a premium vodka-based drink brand. The interview explores their inspiration, challenges as Black women in a male-dominated liquor industry, and their commitment to quality and authenticity. 🧠 Key Takeaways 1. Founders’ Background & Bond Taia and Daphne met as dance moms in Houston, Texas. Their friendship grew through shared experiences at dance competitions. Their cocktail-making hobby evolved into a business idea. 2. Cassie Beverage Origins Inspired by family traditions involving alcohol (moonshine and wine coolers). The brand name “Cassie” is a blend of their last names. Their products include Daphne Limoncello and Daphne Berrycello. 3. Business Launch & Support The idea was sparked during a trip to the Amalfi Coast. Their husbands, both entrepreneurs, helped launch the business and provided initial capital. They entered a white male-dominated industry with determination and humility, seeking mentorship and doing extensive research. 4. Commitment to Quality Their drinks use natural ingredients like fresh lemon juice and cane sugar. They resisted pressure to use cheaper alternatives like concentrates or preservatives. Their goal: create a premium product they’re proud to consume themselves. 5. Challenges in the Liquor Industry High startup costs and tight margins. Strategic decisions around packaging, pricing, and market positioning. Balancing premium quality with affordability for consumers. 6. Academic & Professional Backgrounds Daphne: Advanced degrees in chemistry and mathematics; former charter school executive and state superintendent. Taia: Degree in chemical engineering; worked for Frito-Lay and later became a stay-at-home mom. 7. Empowerment & Representation They emphasized the importance of supporting women, especially in non-traditional roles like bartending and mixology. Encouraged others to pivot careers and pursue passions regardless of societal expectations. Advocated for creating space at the table when none is offered. 8. Community Impact A caller shared how the interview inspired her to support her daughter’s bartending career. The founders responded with encouragement and emphasized redefining success beyond traditional roles. 💬 Notable Quotes “We found the perfect cocktail—the cure was liquor. A cup of joy.” “We wanted something of quality that we could stand proud of.” “If there’s no room at the table, bring a folding chair.” “Your degrees give you soft skills—you can pivot and do whatever you want.” “We’re winning because we’re doing something we love, even with the struggles.” #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    26 min
  3. Uplift: Motivational speaker and co‑founder of Next Level Living, which feeds a thousand children weekly in South Africa.

    6 HR AGO

    Uplift: Motivational speaker and co‑founder of Next Level Living, which feeds a thousand children weekly in South Africa.

    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 Jeremy Anderson. SUMMARY OF THE INTERVIEW The conversation between Rushion McDonald and Jeremy Anderson on Money Making Conversations Masterclass covers Jeremy’s personal transformation, his mission-driven approach to motivational speaking, the creation of Next Level Speakers Academy, the power of environment and mindset, and his philanthropic work in South Africa. The interview highlights values such as purpose over profit, taking ownership, perseverance, and maximizing one’s potential. [ PURPOSE OF THE INTERVIEW The purpose of the episode is to: 1. Introduce Jeremy Anderson’s Work Showcase Jeremy’s role as a premier motivational speaker, founder of Next Level Speakers Academy, and co‑founder of Next Level Living, which feeds a thousand children weekly in South Africa. [ 2. Inspire Listeners Toward Purpose‑Driven Success Encourage viewers to move from “wasted potential” to purposeful, impactful living by believing in themselves and pursuing their gifts.  3. Demonstrate How Jeremy’s Principles Apply Broadly Rushion emphasizes that Jeremy’s business, branding, and mindset strategies apply not just to speakers, but to entrepreneurs, executives, and everyday people.  4. Promote Actionable Personal Growth The interview seeks to motivate listeners to take ownership, adopt non‑negotiable success habits, and maximize opportunities.  KEY TAKEAWAYS 1. Wasted Potential is a Universal Struggle Jeremy defines wasted potential as having greatness inside but failing to believe in it or pursue it. Many people don’t lack talent — they lack belief and action.  2. Purpose Over Profit He warns new speakers not to chase “the bag.”Impact first → income follows. If your heart is for people, success comes naturally.  3. Your Story Is Your Superpower Every struggle someone has overcome is a testimony meant to help others. Keeping quiet keeps your gift hidden.  4. Maximize Every Opportunity Whether you’re speaking, laying concrete, or running a small business, get every drop out of every engagement — testimonials, photos, referrals, and relationship‑building. citeturn1search1 5. Environment and Mindset Matter True growth starts by changing your internal environment.Jeremy’s life changed when teachers chose to see the best in him, showing that belief from others can shift self-belief.  6. Non‑Negotiables Build Discipline Success requires habits you don’t negotiate with: early rising, prayer, meditation, cold plunges, challenging discomfort, and consistent personal development. 7. Extreme Ownership Replaces Excuses Greatness comes from responsibility, not excuses. Jeremy demands accountability from his teams and himself. 8. Brand Is Built on Transparency Jeremy’s brand centers on perseverance, faith, and family—not perfection. He shares both triumphs and private struggles. 9. Giving Back Is Central to His Purpose Next Level Living feeds 1,000 children weekly and sponsors students in South Africa through college. Impact must extend beyond business.  NOTABLE QUOTES FROM THE INTERVIEW On Purpose & Potential “Don’t come to me for profits. Come to me for purpose. Don’t come to me for income. Come to me for impact.”  “It’s only a testimony if you testify.”  “Most people don’t believe and they don’t pursue — that’s wasted potential.”  On Mindset & Environment “I wasn’t living a life of purpose… I had to stop blaming others and go all in on me.”  “Sometimes the shackles we have are in our mind.”  On Discipline “Success requires non‑negotiables.” (Waking early, prayer, meditation, discomfort training)  “People want comfort — but everything great comes with discomfort.”  On Value “If you want to be valuable, you must have value.” “They’re not paying me top dollar because I'm motivational. I solve a problem.”  On Legacy & Family “My brand is perseverance and family.” “These things don’t happen to me — they happen for me.”  On Accountability “No excuses — take ownership.” “I’ve never met anyone who became great from excuses.” On Giving Back “We’ve been feeding a thousand starving children every week since 2018.” “We put 60 kids through college — and we’re just getting started.”  #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    32 min
  4. Business Tips:  educates business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan.

    8 HR AGO

    Business Tips: educates business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan.

    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 Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    22 min
  5. Overcoming the Odds: Kidney cancer survivor leads by example, by taking care of people and they take care of the business. 

    11 HR AGO

    Overcoming the Odds: Kidney cancer survivor leads by example, by taking care of people and they take care of the business. 

    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 Anthony Tuggle. Senior executive, transformational advisor, and founder/CEO of Tag Us Worldwide. With more than 30 years of leading global operations at AT\&T and other Fortune 10 organizations, Tuggle shares lessons in leadership, resilience, corporate success, personal health battles, entrepreneurship, and the importance of emotional intelligence in the AI era. His story blends professional excellence with survival, detailing how he overcame kidney failure, a transplant, dialysis, and even kidney cancer—while simultaneously rising to the executive ranks and later launching his own leadership transformation company. 🎯 Purpose of the Interview The interview’s goals were to: 1. Highlight Anthony Tuggle’s leadership journey From a corporate executive managing global teams to the CEO of Tag Us Worldwide. 2. Share actionable insights on corporate success and leadership development He explains the importance of foundation, consistency, emotional intelligence, and taking care of people. 3. Discuss the importance of DEI and equitable leadership Tuggle emphasizes why diverse backgrounds, and diverse thoughts build strong companies. 4. Reveal the personal health challenges that shaped his perspective His story serves as instruction, caution, and motivation. 5. Promote Tag Us Worldwide A transformation consultancy helping organizations elevate culture and leadership. 💡 Key Takeaways 1. Success Requires Hard Work, Foundation & Intentionality Success is not accidental.Tuggle stresses: Education (undergrad + MBA from Emory’s Goizueta Business School) Moving 12 times across the country for opportunities Consistency and showing up  “Stay ready so you don’t have to get ready” is one of his core principles. 2. Leadership = Taking Care of People Tuggle explains that high-performing organizations have one thing in common:Leaders take care of people, and people take care of the business.  He built a reputation for developing leaders who now lead in Fortune 50 companies. 3. Understanding the Rules of the Game Matters Whether you’re an entrepreneur or corporate professional, there are rules: Professionalism Performance Relationship building Consistency Respecting organizational culture  Many people fail because they enter the “game” without learning its rules. 4. DEI and Access Are Non-Negotiable for Strong Organizations Tuggle is a firm supporter of diversity, equity, inclusion, both in culture and thought.He says he would not be where he is today without people giving him a chance.  5. His Corporate Career Was Truly Global He managed large teams across: The Philippines Costa Rica Mexico This global lens influences his approach to transformation and scaling businesses. 6. His Health Journey Defines His Resilience Anthony Tuggle's story is extraordinary: • Kidney failure in his 20s Doctor told him he “should be dead.”Caused by untreated hypertension.  • 25-year kidney transplant survivor He received a deceased donor kidney and outlived the typical 10–15-year expectancy—twice. • Kidney transplant failed again after 25 years He returned to dialysis (hemodialysis → peritoneal dialysis).  • Kidney cancer diagnosis—found early While preparing for another transplant, doctors discovered kidney cancer caused by long-term immunosuppressant medications.He survived it: stage 1, noninvasive.  These challenges fuel his drive, urgency, and refusal to waste life. 7. Faith Was His Anchor Throughout When diagnosed with kidney failure, he got on his knees and prayed.He says God told him, “We're not done.”This became his mantra for survival and purpose. [ 8. Tag Us Worldwide: “Together Achieving Greatness” His company focuses on: Leadership transformation Cultural elevation Organizational outcomes Preparing leaders for the AI-powered future  Tag Us delivers impact through: Real-world corporate experience AI-enhanced strategy Emotional intelligence coaching Business transformation frameworks He blends AI + EQ, insisting companies should never rely on AI alone. 9. AI Won’t Replace Humans—But Humans Who Use AI Will Win Tuggle led an AI organization for four years, and his stance is clear: AI is here to stay The “secret sauce” is people Leaders must embrace change, not fear it Emotional intelligence will enhance AI outcomes 10. Legacy = Family + Leadership + Service He emphasizes shaping his daughter’s worldview and standards.She graduated with honors from USC’s Marshall Business School.  He believes leaders should create environments where people can win—and that is his mission. 🗣 Notable Quotes (with citations) On success “I didn’t just wake up and look like this—I put in the hard work.” [ On leadership “If you take care of your people, they take care of you.” On preparation “Stay ready—we don’t have to get ready.” [ On DEI “You need diversity of color but also diversity of thought.”  On fear “I faced many obstacles throughout my life… fear becomes motivation.” [ On AI “Good leaders embrace change. Great leaders inspire change.” [ On resilience “I am highly favored… I’ve beaten the odds twice.” [ On purpose “My passion is leadership; my purpose is changing lives.” [ #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    28 min
  6. Uplift: Her nonprofit is dedicated to year‑round breast cancer awareness, and compassionate support for women undergoing treatment.

    11 HR AGO

    Uplift: Her nonprofit is dedicated to year‑round breast cancer awareness, and compassionate support for women undergoing treatment.

    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 Rhonda Spratt. Founder of Bella Luv, a Georgia‑based nonprofit (referred to in the transcript as Ghost Pink / Bella Luv) dedicated to year‑round breast cancer awareness, early detection advocacy, and compassionate support for women undergoing treatment. Inspired by her mother’s experience and eventual passing from metastatic breast cancer, Spratt explains her mission to move beyond October awareness campaigns and create continuous impact through education, community engagement, and personalized care boxes for women in active treatment. The conversation touches on her personal grief journey, her motivations, the work required to run a nonprofit, her practices for emotional balance, and her vision to normalize year‑round breast cancer education. 🎯 Purpose of the Interview 1. To Share Rhonda Spratt’s Motivation for Founding Bella Luv Her mother's breast cancer journey—early detection success followed by recurrence due to lack of ongoing screenings—motivated her to create a nonprofit that centers early detection and support..txt)  2. To Educate Listeners About the Realities of Breast Cancer She discusses stages, recurrence, survival rates, and the importance of consistent mammograms beyond October..txt)  3. To Promote Year‑Round Awareness and Action Spratt stresses that breast cancer does not “take a break” and that communities must stop limiting education and advocacy to Breast Cancer Awareness Month..txt)  4. To Highlight the Work and Impact of Her Nonprofit Bella Luv has supported 76+ women nationwide with tailored care boxes that meet their personal treatment needs..txt)  5. To Inspire Others to Balance Purpose, Grief, Community Work, and Personal Wellness She shares how golf, yoga, and intentional self‑care allow her to manage emotional weight while serving others..txt)  📌 Key Takeaways 1. Early Detection Saves Lives Breast cancer’s 5‑year survival rate is 99% with early detection. Rhonda’s mother survived over 10 years after her first early diagnosis but passed when the cancer returned aggressively and was not caught in time..txt)  2. Breast Cancer Awareness Should Be Year‑Round October provides visibility, but many women are diagnosed in every month. Limiting awareness to one month creates desensitization, not education..txt)  3. Bella Luv Provides Tailored Support for Women in Treatment Care boxes include mastectomy bras, aluminum‑free deodorant, skincare, ginger tea for chemo nausea, journals, and motivational items. Boxes are customized based on the woman’s stage, treatment, and needs..txt)  4. Running a Nonprofit Requires Community, Consistency & Help Spratt initially did everything alone and highlights the importance of partnerships, sponsors, and consistent supporters. Sustainably operating a nonprofit goes far beyond obtaining 501(c)(3) status..txt)  5. Emotional Balance Is Essential Supporting women “fighting for their lives” is heavy work. Spratt uses yoga 3‑4 times per week and golf for mental balance and rejuvenation..txt)  6. Nationwide Impact From a Georgia Base Bella Luv has sent care boxes to women across the U.S., including Colorado and Houston..txt)  7. Personal Loss Transformed Into Purpose Spratt honors her mother without living in grief, finding healing in helping others..txt)  💬 Notable Quotes (from the transcript) On early detection “If you detect breast cancer early, the five‑year survival rate is 99%.”.txt)  On her mother’s recurrence “She didn’t schedule a mammogram… she was distracted, caught up with life instead of making her health a priority.”.txt)  On year‑round awareness “Breast cancer doesn’t wait until October to be diagnosed. Women are diagnosed every day.”.txt)  On founding her nonprofit “I wanted to be more hands‑on… intentionally gift women with items they need as they’re going through breast cancer.”.txt)  On emotional healing “It is very healing… I get joy from helping other women as they’re going through their healing journey.”.txt)  On running a nonprofit “You have to ask for help… in the beginning I was a one‑woman show.”.txt)  On women’s identity and mastectomy “It’s like losing a part of yourself… you feel like a part of your womanhood has been taken away.”.txt)  On faith and purpose “Faith is definitely driving this… I felt a strong call that I needed to step up and do more.”.txt) #STRAW #SHMS #BEST See omnystudio.com/listener for privacy information.

    28 min
  7. Financial Tips: He discusses his new book Generational Wealth Begins with Generational Knowledge.

    18 HR AGO

    Financial Tips: He discusses his new book Generational Wealth Begins with Generational Knowledge.

    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. Joaquin Wallace.  🎯 Purpose of the Interview To explore Dr. Wallace’s groundbreaking work in financial literacy, particularly his concept of the “financial genetic code”, and to promote his book Generational Wealth Begins with Generational Knowledge. The interview aims to empower marginalized communities with tools for financial healing, literacy, and long-term wealth building. 🗝️ Key Takeaways 1. Background & Recognition Dr. Wallace is a recipient of the Wells Fargo Living History Makers Award. Featured in the Contemporary Black Biography series. Former college basketball coach and educator with a strong focus on discipline and mentorship. 2. Seven-Stage Generational Wealth Model Outlined in his book, the model includes: Internal/External Ecosystem – influences from family, community, and environment. Financial Genetic Code – inherited financial narratives and behaviors. Financial Healing – reprogramming harmful financial habits. Financial Edification – literacy and inclusion. Financial Well-being – stability and health. Generational Knowledge – estate planning, insurance, long-term care. Generational Wealth – successful transfer of assets. “Without financial well-being, there is no generational wealth.” 3. Financial Genetic Code A trademarked concept by Dr. Wallace. Unlike DNA, it can be rewritten through education and therapy. Influenced by early experiences, family habits, and community norms. Examples include “scar tissue narratives” (trauma from past financial events). 4. Credit & Financial Literacy Credit score is critical but misunderstood. Utilization rate should be under 30%. Payment history and inquiries significantly affect scores. Many people are unaware of the difference between consumer scores and business scores. 5. Barriers to Financial Growth Lack of trust in financial systems due to past trauma. Misinformation passed down from family and community. Zip codes and overleveraging can impact loan approvals. Financial professionals may unknowingly transfer their own biases to clients. 6. Role of Financial Professionals Dr. Wallace identifies five key roles: Financial Educator Financial Counselor Financial Therapist Financial Advisor Financial Planner He emphasizes matching individuals with the right professional based on their needs and emotional readiness. 7. Book Insights Generational Wealth Begins with Generational Knowledge is an Amazon bestseller. Includes self-assessments after each chapter. Designed for both professionals and everyday readers. Encourages readers to identify their financial stage and take actionable steps. 💬 Notable Quotes “You are your credit score.” “Inherited financial narratives create encoded financial behaviors.” “Any answer sounds correct if you don’t ask the right question.” “Consistency creates consistent outcomes.” “Financial literacy is not the end-all—it’s just one piece of the puzzle.” “We do what we know. If we don’t know, we just continue to do.” 📌 Final Thoughts Dr. Joaquin Wallace offers a transformative framework for understanding and improving financial behavior, especially in underserved communities. His concept of the financial genetic code bridges psychology, education, and economics, making financial wellness more accessible and actionable. #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    38 min

About

Got a situation? Steve Harvey and Shirley Strawberry deliver unfiltered advice on love, relationships, family, work, and life. Send your letter, subscribe, and get real talk every day! Every weekday, the Steve Harvey Morning Show tackle a listener-submitted “Strawberry Letter”... a real-life dilemma ranging from romantic entanglements to career choices, family drama to money struggles, and everything in between. With a blend of wisdom, wit, and brutal honesty, they offer candid commentary and heartfelt guidance, often sparking conversation (and laughter) among the rest of the morning show crew. Submit your Strawberry Letter at www.steveharveyfm.com for a chance to be featured, and get the truth, Steve Harvey style!

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