Strawberry Letter

iHeartPodcasts

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. Business Advice: Avoid scams, “You have to vet companies. Go to BBB, Google them, and check their credibility.”

    34 min ago

    Business Advice: Avoid scams, “You have to vet companies. Go to BBB, Google them, and check their credibility.”

    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
  2. Real Estate: She helps first-time home buyers, self-employed individuals, and those with unique challenges.

    34 min ago

    Real Estate: She helps first-time home buyers, self-employed individuals, and those with unique challenges.

    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 Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    27 min
  3. Financial Advice: He stresses taking ownership of your financial future rather than leaving the burden to your children.

    1 hr ago

    Financial Advice: He stresses taking ownership of your financial future rather than leaving the burden to your children.

    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 Gerron Duhon. Purpose of the Interview The conversation aimed to: Highlight the importance of financial literacy for young adults. Share Jerron Duhon’s personal journey from Lake Charles, Louisiana, to Yale University and into holistic financial planning. Promote his book “The Purpose of Paper”, which focuses on building generational wealth and breaking harmful financial habits. Key Takeaways Personal Journey & Identity Shift Jerron used football as a “meal ticket” to escape his hometown, but a concussion ended his athletic career, causing an identity crisis. He pivoted toward financial education and wealth creation, emphasizing long-term planning. Misconceptions About Wealth Many young adults believe wealth comes quickly through gambling, sports betting, or flashy investments. Social media fuels the desire to display wealth rather than build wealth, leading to poor financial decisions. Financial Habits & Framework Jerron introduced his AIMS framework: Awareness: Know your current financial state. Intention: Set clear goals and reverse-engineer steps. Mindset Change: Focus on future self, not old habits. Systems: Automate savings and investments to reduce reliance on willpower. Faith and Finance Connection Principles like self-control, patience, and hope—fruits of the spirit—are essential for financial discipline. “Faith without works is dead” applies to money: belief must be paired with action. Generational Wealth Gerron stresses taking ownership of your financial future rather than leaving the burden to your children. Investing should be strategic and long-term, not like playing the lottery. Practical Advice Start small but consistent (e.g., $150/month). Use modern tools like Robinhood for stock investing. Shift from being a consumer to an owner (invest in companies you use). Notable Quotes “Football was my meal ticket… but I realized I didn’t dream far enough.” “We connect our financial decisions to display wealth instead of to build wealth.” “Faith without works is dead—just like in finances.” “Are you going to be the one that changes your generation, or will you leave that pressure on your children?” “Good advice is timeless.” #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    28 min
  4. Business Tip: Author of No Money Startup: How To Build an Apparel Manufacturing Company.

    7 hr ago

    Business Tip: Author of No Money Startup: How To Build an Apparel Manufacturing Company.

    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 Sumiyyah Rasheed. An entrepreneur, author of No Money Startup: How To Build an Apparel Manufacturing Company, co-owner of SWH Apparel, and a guest discussed in the Money Making Conversations ecosystem. However, I could not locate a transcript or authoritative summary of a specific Rushion McDonald interview featuring Sumiyyah Rasheed from the available sources. Based on the available information about Sumiyyah Rasheed's background and the themes typically highlighted in Money Making Conversations, the interview appears to focus on entrepreneurship, apparel manufacturing, business ownership, and building a company with limited capital.  Purpose of the Interview The interview's apparent purpose was to: Share Sumiyyah Rasheed's entrepreneurial journey as a founder and manufacturing executive.  Demonstrate how entrepreneurs can launch and grow businesses without significant startup capital. Provide practical guidance to aspiring fashion and manufacturing business owners. [Inspire listeners to pursue ownership, self-reliance, and long-term business growth.  Key Takeaways 1. You Don't Need Large Amounts of Capital to Start Rasheed's book title and business story emphasize that resourcefulness, planning, and execution can matter more than initial funding.  2. Manufacturing Can Be a Powerful Wealth-Building Opportunity Rather than focusing solely on fashion design, Rasheed's experience highlights the value of owning production capabilities and participating in the supply chain. [modestbeau...sprout.com] 3. Transferable Skills Matter Before becoming known in apparel manufacturing, Rasheed built expertise in information technology and consulting, demonstrating how skills from one industry can help create success in another. [modestbeau...sprout.com] 4. Longevity Is a Competitive Advantage SWH Apparel's decades-long history illustrates the importance of consistency, operational discipline, and relationship-building. [modestbeau...sprout.com] 5. Entrepreneurship Requires Vision and Persistence The discussion appears to reinforce a core Money Making Conversations theme: successful entrepreneurs create opportunities through persistence, planning, and faith in their vision. [moneymakin...ations.com], [linkedin.com] Notable Themes Building businesses from limited resources. [modestbeau...sprout.com] Black entrepreneurship and economic empowerment. [modestbeau...sprout.com], [linkedin.com] Fashion and apparel manufacturing. [modestbeau...sprout.com] Women's leadership in business. [modestbeau...sprout.com] Creating sustainable, long-term enterprises. [modestbeau...sprout.com] Quotes #SHMS #BEST #STRAW See omnystudio.com/listener for privacy information.

    34 min
  5. Debt Free: She educates families on how to avoid student loan debt through her proven system, The Scholarship System.

    7 hr ago

    Debt Free: 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
  6. Family Legacy: Navy veteran and Fortune 500 consultant reviving his family’s historic Texas barbecue restaurant.

    7 hr ago

    Family Legacy: Navy veteran and Fortune 500 consultant reviving his family’s historic Texas barbecue restaurant.

    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 Robert Fitzpatrick. A Navy veteran, business consultant, fraternity brother (ΩΨΦ), and now the owner reviving his family’s historic Texas barbecue legacy. The conversation dives deeply into Fitzpatrick’s upbringing, his father’s groundbreaking barbecue business in 1950s Texas, his educational and military journey, his corporate career, and his decision to launch Dewey’s Barbecue Market in Skokie, Illinois—honoring his father’s original recipes and values. The interview blends entrepreneurship, legacy, cultural history, and personal transformation, while highlighting the courage of Fitzpatrick’s father and the humility and faith-driven foundation of his family. Purpose of the Interview The interview aims to: 1. Inspire entrepreneurship and legacy-building Fitzpatrick’s story showcases how family heritage and values can shape a business vision across generations. 2. Highlight resilience, faith, and leadership His upbringing in a household rooted in Christian humility, strong expectations, and boundary-breaking courage provides a blueprint for character-driven success. 3. Educate listeners on transitioning careers Fitzpatrick exemplifies pivoting from engineering and corporate consulting to pursuing passion-driven entrepreneurship. 4. Promote Dewey’s Barbecue Market The interview introduces the Chicago-area community—especially the Skokie region—to his upcoming restaurant built on a 70-year-old Texas barbecue tradition. Key Takeaways 1. A powerful family legacy rooted in courage Fitzpatrick’s father, Dewey, opened a barbecue restaurant in 1951—before desegregation—and insisted that Blacks and whites could eat together. He enforced respect and safety in his establishment, even confronting racist patrons. 2. Education was non-negotiable in the Fitzpatrick household Robert is the youngest of seven siblings, all college graduates; five hold master’s degrees. He himself holds an MBA and an MS in Management Information Systems. 3. A bridge between technology and business Fitzpatrick spent decades in consulting with major firms (EDS, Dell, Arthur Andersen, KPMG) focusing on business process improvement. His dual MS/MBA made him a translator between tech and finance. 4. Military discipline shaped his personal and professional life Served in the U.S. Navy from 1986–1990, plus reserve duty (including deployment to Iraq). Balanced military service with graduate studies and advancing his corporate career. 5. A calling to revive his father’s barbecue His wife recognized his talent early, telling him for years he should be barbecuing. A shortage of good Texas barbecue in Virginia pushed him to recreate his father’s recipes. 6. Skokie, Illinois: the ideal launchpad After moving to the Great Lakes Naval Base area for a federal role, Fitzpatrick began scouting locations. Skokie offered: active support from city leadership grants an ideal building community enthusiasm 7. Dewey’s Barbecue Market offerings Meats: brisket, sausage, hot links, smoked boudin (monthly special) Sides: potato salad (egg/mayo base), pineapple vinegar coleslaw, fried okra, smoked pinto beans Desserts: apple cobbler, blueberry cobbler, sweet potato pie, possibly fried pies Bread: sliced “light bread” for dipping—traditional Texas style Experience: dine-in with 60s–80s “feel-good” music 8. A commitment to doing things the right way Fitzpatrick refuses to launch unless he can deliver “the best product on the planet.” Focuses on simplicity, authenticity, and quality. Notable Quotes About his father and legacy “He said anybody who wants to eat here can eat here.”(His father defying segregation laws in the 1950s.) “I can call an undertaker or an ambulance. Which one do you prefer?”(Dewey enforcing respect from a belligerent white customer.) “That was my barbecue.”(On being raised around his father’s legendary pit.) About family and humility “We are firmly rooted in Christ. If you try to get too big, He has a way of humbling you.” “Seven kids, all with degrees… that’s normal to you. But we know that’s not normal.”(McDonald highlighting the family’s extraordinary achievement.) About his calling “If I didn’t think I was bringing the best product on the planet, I wouldn’t even do it.” “My wife tasted the barbecue and said, ‘This is what you need to be doing.’” About launching in Skokie “They really want me to be there… the economic development team didn’t treat it like just another restaurant.” Short 3–5 Sentence Summary (For Quick Use) In his interview with Rushion McDonald, Robert Fitzpatrick shares his journey from Navy veteran and Fortune 500 consultant to entrepreneur reviving his family’s historic Texas barbecue. He describes growing up with a courageous father who defied segregation in 1951 by serving Black and white customers together, and a family culture steeped in education, discipline, and humility. Fitzpatrick’s passion for barbecue and encouragement from his wife led him to bring his father’s 70-year-old recipes to Skokie, Illinois through Dewey’s Barbecue Market. The interview emphasizes legacy, faith, courage, and the pursuit of purpose. #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    28 min
  7. Career Change: Black Ambition, a national initiative that funds and mentors Black and Brown entrepreneurs.

    9 hr ago

    Career Change: Black Ambition, a national initiative that funds and mentors Black and Brown entrepreneurs.

    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 See omnystudio.com/listener for privacy information.

    23 min
  8. Financial Advice: The interview covers being rich and the mindsets required for long-term financial growth.

    12 hr ago

    Financial Advice: The interview covers being rich and the mindsets required for long-term financial growth.

    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. Willie Jolley. SUMMARY OF THE INTERVIEW In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets. PURPOSE OF THE INTERVIEW The interview aims to: 1. Introduce and promote Dr. Jolley’s new book “Rich Is Good, Wealthy Is Better” and the teachings within it. 2. Educate listeners on the distinction between rich and wealthy Jolley wants audiences to understand wealth in generational, not short-term, terms.  3. Motivate individuals to shift their financial mindset From “working money” to “mailbox money.”  4. Empower entrepreneurs and families To adopt discipline, drop pride, and create multigenerational financial systems.  5. Share Jolley’s personal setback‑to‑success story To reinforce that anyone can grow wealth with the right principles.  KEY TAKEAWAYS 1. Rich vs. Wealthy Being rich = high income, often tied to active labor (e.g., athlete contracts). Being wealthy = passive income, ownership, generational sustainability. A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.”  2. The Five Money Mindsets Jolley explains five financial mindsets: One‑day mindset – living day to day. 30‑day mindset – fixed incomes/check-to-check living. One‑year mindset – annual thinking (raises, annual income). Decade mindset – typical for entertainers/athletes with multi‑year contracts. Generational mindset (Wealth Mindset) – building wealth to last multiple generations.  Jolley’s goal: move people up just one level at a time. 3. Five Types of Wealth Jolley breaks wealth into five categories: Financial Wealth Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown) Relationship Wealth Reputational Wealth (Brand) Intellectual Capital Wealth (What you know and can charge for) 4. Discipline Is the Key Wealth requires: Living below your means Investing the difference Consistency Avoiding arrogance and ignorance  5. Pride Is an Enemy of Wealth Pride leads people to overspend to keep up appearances.Jolley argues that pride “kills wealth” and must be replaced with planning and humility.  6. The Three Legs of Wealth To build sustainable wealth, you need: Income Investment (letting money work for you) Insurance (life, health, car, disability, long-term care)  7. Multiple Streams of Income Jolley urges everyone to build at least two streams of income from: Stocks Bonds Real estate Crypto Collectibles Jewelry Art Content creation 8. Overcoming Setbacks Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book. 9. It’s Never Too Late to Start He cites examples of: A secretary who retired with $8M by investing small amounts over time Invested $12,000 at age 65 and grew it to $890,000 by age 72  NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity “I have only just a minute… but it’s up to me to use it.”  On Mindset “Wealth starts in your mind.”  On Rich vs. Wealthy “Regular folks work for their money. Wealthy people make their money work for them.”  On Pride “My pride was killing my wealth.”  On Growth & Learning “If you’re willing to learn, no one can stop you.” [On Setbacks “A setback is a setup for your greater comeback.”  On Starting Late “When is the best time to plant a tree? Eighty years ago. The second-best time? Today.”  #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    31 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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