Money Making Conversations Master Class

Rushion McDonald

Hi, this is Rushion McDonald. Welcome to the podcast world of Money Making Conversations Master Class. I interview profits and nonprofits to learn their "Secrets to Success."  I'm a former IBM Executive with a degree in Mathematics. I started my entrepreneurial career as a stand-up comic, then became a sitcom writer, award-winning baker, social media influencer, award-winning television Executive Producer, and brand architect for super-successful celebrities and products. Money Making Conversations Master Class interviews a diverse group of celebrities, entrepreneurs, and influencers in the financial and business community with their advice and tips so you can be successful, too. It's time to stop reading other people's success stories and start building your own. People always talk about their purpose or gifts. If you have a gift, Lead with your Gift, and don't let your friends, family, or co-workers stop you from planning or living your dream. Keep Winning! https://www.moneymakingconversations.com https://www.youtube.com/MoneyMakingConversations https://www.facebook.com/MoneyMakingConversations/ https://twitter.com/moneymakingconv https://www.instagram.com/moneymakingconversations/

  1. Financial Tip: Discusses Black economic history, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution.

    6H AGO

    Financial Tip: Discusses Black economic history, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution.

    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 BankHost: Rushion McDonaldPodcast: 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 See omnystudio.com/listener for privacy information.

    32 min
  2. Follow Your Passion: Travel nurse building a lucrative CPR business and empowers community health through education.

    6H AGO

    Follow Your Passion: Travel nurse building a lucrative CPR business and empowers community health through education.

    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 Alaysia Miller. A certified nurse practitioner, travel nurse practitioner, and founder of NP Luxe CPR, a Florida-based CPR training company. Alaysia discusses her journey from nurse to travel nurse practitioner, how frontline burnout pushed her into entrepreneurship, and why she launched a CPR education business. She explains the financial and lifestyle advantages of travel nursing, the importance of mentorship, the realities of entrepreneurship, and the major CPR survival gap in Black and underserved communities. Rushion and Alaysia also dive into leadership, negotiating contracts, building a lucrative CPR business, and empowering community health through education. 🎯 Purpose of the Interview The interview aims to: 1. Showcase a path to financial freedom through nursing entrepreneurship By highlighting travel nurse contracting and CPR instruction as viable wealth‑building vehicles. 2. Highlight the importance of CPR education in underserved communities Especially addressing the survival gap in Black communities due to low CPR literacy. 3. Encourage aspiring entrepreneurs—especially women and healthcare workers By sharing Alaysia’s experiences with mentorship, confidence building, and launching a service-based business. 4. Educate listeners on the realities of entrepreneurship Including time demands, imposter syndrome, and the need for consistency and proper pricing. 🔑 Key Takeaways 1. Travel Nurse Practitioners Have High Earning Potential As a staff NP she would earn $100k per year, but as a travel NP she earned $100k in six months while gaining time freedom and flexibility. Travel NP work is paid via 1099, opening the door to tax write-offs, investment flexibility, and entrepreneurial benefits. 2. Burnout Was the Catalyst for Change Working six days a week during COVID and the pressure of commercialized urgent-care systems led to burnout, weight gain, and loss of self. This pushed Alaysia toward traveling, where she worked half the time for double the pay. 3. CPR Survival Rates Are Lower in Black & Underserved Communities Alaysia explains that lack of exposure, knowledge, and basic emergency training leads to significantly lower cardiac survival rates in communities of color. She addresses this through her nonprofit We Push Health, which brings CPR and medical education to rural and urban communities. 4. You Don’t Need to Reinvent the Wheel—Mentorship Is Key She learned about mentorship in 2024 and emphasizes that mentors help you avoid costly mistakes and speed up your path. “Find someone who is the ideal image of what you want to be and mimic what they do.”. 5. CPR Businesses Are Lucrative and Accessible Almost every industry requires CPR certification: Healthcare Schools & daycares Gyms Police & fire departments Hotels Tattoo studios These make CPR instruction a strong side hustle or full-time business, especially for healthcare professionals who already understand the material. 6. Entrepreneurship Requires Real Work Alaysia breaks down the less glamorous side of building a business: Imposter syndrome The need for consistent marketing Pricing confidently Long hours initially Learning branding, systems, and follow-up “You only eat what you kill.”. 7. Communication and Adaptability Are Leadership Superpowers Travel nursing requires walking into unfamiliar environments and leading without overpowering. She emphasizes: Reading the room Adjusting communication styles Delegating the right way Being assertive but team-oriented “Adaptability is number one.”. 8. Negotiation Skills Changed Her Entire Career She learned to stop undervaluing herself and start negotiating confidently: First contract: underpriced Second contract: raised rates dramatically Uses supply‑and‑demand to justify price increases “You miss 100% of the shots you never take.”.] 🗣️ Notable Quotes On Entrepreneurship “If you know how to save a life, don’t you think you know how to run a business?”. “You only eat what you kill.”. On Burnout “I lost myself giving it to a job.”. On Community Health “They can’t know what they don’t know.” “Survival rates for cardiac arrest are significantly lower in communities of color because they lack access to basic emergency skills.”. On Mentorship “You don’t have to reinvent the wheel to be successful.” “Find someone who is the ideal image of what you want to be.”. On Negotiation “What’s the worst they can say? No.” #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    28 min
  3. Motivation: Their grandmother Jessie Mae’s leadership, work ethic, and kitchen‑table lessons inspired their business approach.

    6H AGO

    Motivation: Their grandmother Jessie Mae’s leadership, work ethic, and kitchen‑table lessons inspired their business approach.

    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 Miko Branch. Here is a clear, structured summary of the Miko Branch interview with Rushion McDonald, along with its purpose, key takeaways, and notable quotes, drawn directly from the transcript you provided.All information cites the uploaded file. SUMMARY OF THE INTERVIEW In this Money Making Conversations Masterclass episode, Rushion McDonald interviews Miko Branch, co‑founder and CEO of Miss Jessie’s, a pioneering hair‑care brand serving people with textured, curly, kinky, and wavy hair. Miko recounts how she and her late sister, Titi Branch, built Miss Jessie’s from their kitchen table in their Brooklyn brownstone, developing products designed to genuinely work for people with textured hair. She highlights the brand’s deeply personal roots—named after their grandmother Jessie Mae Branch, the first “CEO” they ever observed in action. Throughout the interview, Miko explains how Miss Jessie’s expanded from grassroots marketing, word‑of‑mouth, and early internet chat rooms to becoming a national brand found in Walgreens, CVS, Target, and more. She stresses the brand’s emphasis on education, authenticity, and providing solutions for all textured hair types. Miko also discusses signature product lines (Curly Pudding, Pillow Soft Curls, Daily Soft Curls, sulfate‑free shampoo) and how Miss Jessie’s became a leader in the natural hair movement—well before it became a mainstream trend. PURPOSE OF THE INTERVIEW 1. To showcase Miss Jessie’s origin story and entrepreneurial journey McDonald highlights how Miko built a multimillion‑dollar brand from her kitchen table. 2. To inspire current and aspiring entrepreneurs Miko demonstrates how authentic problem‑solving creates brand loyalty and long-term success. 3. To educate listeners about textured hair and the natural hair care industry The interview reinforces that natural hair is not a trend—it's an identity and lifestyle. 4. To highlight the importance of cultural heritage and family influence Miko shares how her grandmother, her sister, and her Brooklyn salon shaped Miss Jessie’s values and innovation. KEY TAKEAWAYS 1. Miss Jessie’s was built on authenticity and real consumer needs The brand emerged from real hairstyling challenges Miko and Titi solved for themselves and their salon clients..  2. Education is central to the brand’s success Miss Jessie’s teaches customers how to understand and care for their curl types—wavy, curly, kinky, multicultural, or transitioning.McDonald says the site offers more information than any hair‑care brand he has interviewed. 3. Family legacy guides the company Their grandmother Jessie Mae’s leadership, work ethic, and kitchen‑table lessons inspired their business approach. 4. The natural hair movement is here to stay People increasingly embrace their God‑given texture; straightening is no longer the dominant norm. 5. Social media amplified—did not create—their success Word‑of‑mouth began long before social media; platforms today simply extend their reach. 6. Miss Jessie’s serves everyone with texture—not just Black women Men, boys, Latinas, mixed‑race individuals—anyone with curls or waves—can find a solution. 7. Product innovation drove their growth Curly Pudding, Pillow Soft Curls, Daily Soft Curls, and sulfate‑free shampoos transformed textured hair care. 8. Their Brooklyn salon doubled as R&D It allowed the sisters to test products directly on customers and ensure real‑world performance. NOTABLE QUOTES (from transcript) On the company’s beginnings “We started our business in our brownstone right at our kitchen table.” “Curly Pudding was the groundbreaker—the game changer.” On the brand’s philosophy “The bottom line is being able to create products that are helpful.” “Information and communication is key to success.” On inclusivity “Anyone who has texture… we have something for you.” On natural hair “Natural hair, curly hair is preferred… it’s how people want to express themselves.” “Natural hair is not a trend—it’s here to stay.” On social media and growth “We were going viral before ‘going viral’ was a word.”. On legacy “Our grandmother Jessie was the first female CEO we’d ever seen.”. #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    20 min
  4. Overcoming the Odds:  Discusses the legacy of Dr. Gladys B. West, whose calculations led to the creation of GPS.

    8H AGO

    Overcoming the Odds: Discusses the legacy of Dr. Gladys B. West, whose calculations led to the creation of GPS.

    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. Jacque Rushin & Robyn Donaldson. ROBYN DONALDSON & JACKIE RUSHIN 🎙️ Podcast OverviewThe episode commemorates the legacy of Dr. Gladys B. West, a pioneering mathematician whose calculations led to the creation of GPS. Together, the guests discuss how her story ties into the mission of Juneteenth, the importance of STEM education, and their newly launched Westward Bound life and STEM skills program. 📚 About Dr. Gladys B. West• Legacy: Mathematician and GPS pioneer• Era: Born in 1930, came of age during segregation• Alma Mater: Virginia State University (HBCU), later earned a PhD• Recognition: Often called a “living hidden figure”—though not featured in the Hidden Figures film• Current Home: Fredericksburg, VA 📘 Books Discussed• It Began With a Dream: Dr. West’s memoir, chronicling her life from sharecropping roots to GPS trailblazer• Westward Bound: A curriculum-based program developed by Dunson and Rushing inspired by Dr. West’s principles 💡 Key Themes & Insights• Juneteenth Connection: The delayed recognition of Dr. West mirrors the delayed liberation of enslaved Black Americans• STEM Equity: Many students aren’t underperforming—they’re underexposed. The Westward Bound program seeks to close that gap• Mental Health & Tech: While Dr. West helped pioneer GPS, she herself still uses maps to keep her mind sharp—a warning about over-reliance on tech• AI & Overconsumption: Dr. Rushin draws attention to how misuse of AI and technology can impair critical thinking and mental wellness• STEM as Liberation: STEM exposure is not just about careers—it’s a path to freedom, agency, and long-term resilience 🎓 About Westward Bound• Mission: Teach not just hard skills (STEM) but soul skills—endurance, vision, self-awareness, and purpose• Framework: Uses the acronym W.E.S.T. (Wisdom, Endurance, Strategy, Tracking)• Audience: Underserved communities, students, adults in transition, entrepreneurs• Access: Currently partnering with colleges, camps, and educational programs nationwide 🔁 Personal Journeys• Dr. Jacque Rushin: A humanitarian, mental health expert, and curriculum developer who fuses wellness and educational development• Robyn Donaldson: A global STEM advocate and 2025 Presidential Lifetime Achievement Award recipient. She discovered Dr. West’s book and launched the movement to amplify her story 📣 Call to ActionListeners are encouraged to include Dr. Gladys West in Juneteenth programming, integrate It Began With a Dream into school libraries, and explore the Westward Bound program as a tool for transformative education. Visit stemxposure.org or call (813) 990‑7700 for more info. #best #straw  #shms   See omnystudio.com/listener for privacy information.

    22 min
  5. Mental Health App_ She explains how mental health treatment is finally becoming trackable using her App.

    11H AGO

    Mental Health App_ She explains how mental health treatment is finally becoming trackable using her App.

    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 T.M. Robinson-Mosley. Founder of The Playbook, an award‑winning mental‑health‑performance sports‑tech company—joins Rushion McDonald to discuss how her platform is transforming athlete care, team culture, and performance measurement. The Playbook uses AI‑powered, gamified psychological assessments to measure stress, resilience, and overall mental well‑being across youth, collegiate, professional, and military sports environments. Mosley explains how mental health—long treated as unmeasurable and stigmatized—is finally becoming trackable, private, and actionable. The Playbook provides real‑time alerts, data‑driven insights, and ecosystem‑wide tools for coaches, trainers, clinicians, and entire organizations. She also shares her journey as a non‑coding tech founder, the scaling challenges brought on by the pandemic, and the broader impact The Playbook is poised to have across corporate, construction, military, and other high‑stress fields. Purpose of the Interview 1. Introduce and explain The Playbook To present The Playbook as a next‑generation mental health performance platform that quantifies mental well‑being, provides action plans, and enhances team culture.  2. Elevate the conversation around athlete mental health Mosley breaks down stigma, highlights real athlete stories, and explains why mental analytics are as critical as physical analytics.  3. Show how the platform uses technology to prevent crises The Playbook provides early detection, privacy protection, and immediate care support—catching problems before they become crises. 4. Highlight the expansion beyond sports Although built in sports, the platform is already being requested by industries like construction, healthcare, first responders, and more. ] 5. Demonstrate the business model As a SaaS B2B platform, The Playbook sells licensed subscriptions to organizations, teams, and associations. Key Takeaways 1. Mental health can be measured—and must be The Playbook converts psychological assessments into quantifiable metrics similar to heart rate or step count.Athletes receive resilience, stress, and well‑being scores—like a “mental batting average.”  2. The platform offers real-time alerts If an athlete’s score enters the “red zone,” coaches/clinicians receive immediate alerts with steps to take within 24 hours.  3. Privacy is paramount The Playbook is HIPAA‑compliant, mobile, secure, and built to protect athlete data from misuse (e.g., contract negotiations). 4. Mental analytics are the next frontier of sports Teams already use physical analytics. Now they can use mental analytics to track performance, prevent burnout, and reduce crises. 5. Built for the entire ecosystem—not just athletes Coaches, front offices, sports medicine staff, and military leadership also use the platform—promoting culture-wide mental health.  6. The Playbook is expanding beyond sports Industries with high stress—construction, medicine, law, emergency responders, veterinarians—are already approaching Mosley to adapt the system.  7. A critical solution for underserved communities The platform makes mental health care accessible, private, digital, and stigma‑free—especially for youth and communities of color.  8. Performance is universal Whether you’re an athlete, military member, parent, or worker—your mental state impacts how you perform. Performance is “agnostic.” [ 9. Mosley’s journey shows innovation can come from anywhere She is a non‑coding tech founder, originally trained as a psychologist working across the NBA, NFL, NCAA, and Olympic sports. [T.M. ROBINSON MOSLEY | Txt] Notable Quotes On what The Playbook does “We measure mental health metrics like resilience, stress and overall well‑being using gamified psych assessments.” “Mental health becomes measurable—like a batting average.” [ On why athletes need this “Elite athletes report battling depression and anxiety so severe they find it difficult to function, let alone perform.”  On the power of technology “If we don’t measure something, we’re saying it doesn’t matter.” “We use AI and machine learning to quantify mental health status.”  On privacy “We are a HIPAA‑compliant platform… we don’t sell your data.”  On team culture “Building a winning team culture is everybody’s everyday work.”  On mental and physical health “If you are not mentally healthy, you are not able to perform at the highest level.”  On the future outside sports “Who doesn’t want to train like an athlete?” “Performance is agnostic.”  On purpose “How do we make something exclusive accessible?” “This is mental health care—it’s just a different version of it.”  In One Sentence The interview reveals how Dr. T.M. Robinson-Mosley’s Playbook uses AI‑driven mental health metrics to revolutionize athlete care, provide real‑time performance insights, and expand mental wellness tools far beyond sports into everyday life. #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    27 min
  6. Money Talk: She educates listeners on estate planning as a wealth‑preservation strategy

    11H AGO

    Money Talk: She educates listeners on estate planning as a wealth‑preservation strategy

    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 Attorney Whitney Knox Lee. Explains practical estate‑planning strategies—wills, trusts, powers of attorney—and how entrepreneurs, families, and especially parents of disabled children can protect assets, avoid costly probate, and maintain eligibility for critical benefits. The conversation also touches on integrating insurance with estate planning, small‑business contingency planning, and Lee’s personal mission and background in civil rights work. Purpose of the Interview Educate listeners on estate planning as a wealth‑preservation strategy (not just documents)—to reduce court costs, taxes, and confusion for families. Clarify the differences and roles of wills, trusts, and powers of attorney, including when each is appropriate and how they work together.] Highlight special considerations for entrepreneurs and families with disabled children or aging relatives, including insurance, operating agreements, and special‑needs planning. Share Lee’s values and practice approach, including culturally responsive service and sustainable advocacy rooted in prior civil‑rights work. Key Takeaways 1) Wills vs. Trusts vs. Powers of Attorney A will is not the plan—it’s just one piece and still goes through probate, which can be slow and expensive; think of a will as a “letter to the judge.] Revocable living trusts can help families bypass probate, reduce delays, and retain more control over how assets are managed after death. Powers of attorney (financial and health) are essential for incapacity scenarios; even 18‑year‑olds heading to college should have them so parents can access information if needed. 2) Why Insurance Belongs in the Plan Life insurance can protect the family’s ability to keep the home by paying off a remaining mortgage or covering living expenses—turning an asset into a sustainable legacy rather than a burden. For entrepreneurs, key‑person insurance can replace income when the owner can’t work, keeping the business afloat. 3) Minimizing Probate Costs and Taxes Probate involves court filings and legal fees; in some states fees scale with estate size (example discussed: percentage‑based fees in other jurisdictions), which can significantly erode wealth passed to heirs. Proper planning reduces those leakages. 4) Special‑Needs and Elder Planning Parents of children on need‑based benefits (e.g., Medicaid) must avoid transfers that jeopardize eligibility; the right trust structures preserve benefits while providing support. Elder law planning anticipates long‑term care costs (nursing home, assisted living, in‑home care) so families don’t have to deplete assets later. 5) Business Continuity for Owners Establish operating agreements and buy‑sell agreements that spell out who runs the business if the principal is incapacitated; pair with business powers of attorney. 6) Values, Audience, and Access Lee intentionally centers Black and Brown women and their families, grounding services in community uplift and transparent referrals to trusted financial pros (no paid referral arrangements). Contact approach: 15‑minute intake, then a four‑meeting process (legacy planning → design → review → signing). Notable Quotes (for pull‑quotes & captions) “Think of a will as a letter to the judge… a will still has to go through probate court. “A trust allows families to bypass probate altogether so they aren’t paying legal fees or leaving things to people who want to challenge the will. “Life insurance is a huge tool—it can help the family pay off the mortgage so they can keep the home and the equity.” “Estate planning is a strategy—not just documents.” “Even 18‑year‑olds should have powers of attorney—parents can’t just call doctors once kids are legal adults.” “I stay in my lane—I’m an attorney. I work closely with trusted financial professionals and make non‑compensated referrals.” “For special‑needs planning, don’t jeopardize need‑based benefits—use the right trust so support continues. “I want to build a sustainable practice that lets me serve my community and rest well, aligned with my family and values.” Quick Action Items (for listeners inspired by the episode) Draft or update POAs (financial and health) for every adult in the household, including college‑age children. Evaluate whether a revocable living trust makes sense to avoid probate and retain post‑death control. For business owners: review operating agreement / buy‑sell, add key‑person insurance, and create a business POA. Families with special‑needs dependents: consult on special‑needs trusts to protect benefits. #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    28 min
  7. Overcoming the Odds: Her journey from dysfunction and cult-like environments to academic and personal success.

    11H AGO

    Overcoming the Odds: Her journey from dysfunction and cult-like environments to academic and personal success.

    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 El' Deity Princey.  📝 Summary of the Interview El' Deity Princey is a transformational master coach, author, and speaker with a background in social science, neuroscience, and trauma recovery. In this powerful and deeply personal interview, she shares her journey from childhood trauma and dysfunction to becoming a high-achieving coach helping others reprogram their minds, cut toxic ties, and build wealth-driven lives. Her book, Monetize a Mind That’s Colonized, and her coaching business, 11 Master Consulting, are tools she uses to empower others to transcend adversity and manifest success. 🔑 Key Takeaways 1. Mindset is the Foundation of Wealth “Energy is currency.” True prosperity begins with internal transformation. Reprogramming the subconscious mind is essential to breaking free from societal conditioning and limiting beliefs. 2. Cutting Toxic Ties Toxic relationships—whether personal, familial, or professional—drain energy and hinder growth. “When you cut toxic ties, you thrive.” Applies to both employees and employers: focus on those who contribute positively to your mission. 3. Coaching vs. Therapy Coaching focuses on present and future goals, while therapy often addresses past trauma. El' Deity emphasizes accountability, strategy, and results in her coaching practice. 4. Routine Builds Wealth Daily habits, environment, and self-care routines are critical to building internal and external wealth. “Everyone has a gift. Everyone has a talent.” Routine helps unlock and monetize those gifts. 5. Healing from Trauma She shares her personal experience with Adverse Childhood Experiences (ACES) and how childhood PTSD mirrors veteran PTSD. Her journey from dysfunction and cult-like environments to academic and personal success is a testament to resilience. 6. Manifestation Requires Action Her concept of “Coagulation Law” emphasizes that belief alone isn’t enough—resources and action are required to manifest goals. Life is like Monopoly: strategy and movement are key to winning. 7. Empowering Language Words shape reality. Avoid saying “I’m struggling”—instead, affirm your intelligence and capability. “Speak life into yourself.” 8. Client Success Stories She helped a client leave a toxic home, pursue her talents, and attract a supportive partner—demonstrating how mindset shifts lead to real-world success. 9. Accessibility & Services Offers free live coaching on TikTok three times a week. Book: Monetize a Mind That’s Colonized is available on Amazon under her real name, Princess Halo. Coaching and courses available through 11 Master Consulting. 💬 Notable Quotes “When you master your emotions, you master your reality.” “Healing doesn’t take years—it takes intention.” “I got tired of begging for crumbs of love and began to give myself loads of love.” “Your self-image is what you attract.” “Are you tired yet? If yes, it’s time to pivot.” #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

    30 min
  8. Business Tip:  She educates entrepreneurs of color—about equitable access to capital.

    APR 21

    Business Tip: She educates entrepreneurs of color—about equitable access to capital.

    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 Sahra S. Halpern. Interview Purpose The purpose of this interview is to educate small business owners—especially entrepreneurs of color—about equitable access to capital, alternative lending pathways, and how to become “capital ready.” Sahra Halpern, President and CEO of the Business Consortium Fund (BCF), explains how mission‑driven lending fills the gap left by traditional banks and helps small businesses survive, grow, and ultimately graduate into mainstream financing. The conversation also aims to demystify lending, reduce fear around capital, and encourage entrepreneurs to build trusted financial relationships before entering moments of crisis. Core Themes Discussed 1. Why Small Businesses Are Turned Down by Banks Halpern explains that many small businesses are rejected by banks not because they lack potential, but because banks operate under strict underwriting and regulatory requirements. These systems often fail to account for resilience, experience, contracts, and future growth. BCF exists to serve as a bridge—supporting businesses where banks cannot and preparing them to eventually return as qualified borrowers. 2. Capital Curious vs. Capital Ready A key distinction introduced in the interview is the difference between businesses that are “capital curious” and those that are “capital ready.” Many entrepreneurs know they need funding but lack: Financial organization Clear projections Proper documentation A capital strategy BCF provides technical assistance to help businesses prepare for financing instead of setting them up to fail. 3. Mission‑Driven Lending and Community Impact Halpern frames lending as an ecosystem, not a transaction. When small businesses succeed: Business owners gain stability Employees gain jobs Communities grow stronger Large corporations benefit from more diverse and capable supply chains BCF focuses on long‑term economic impact, not short‑term profit. 4. CDFIs vs. SBA Loans The interview draws a clear distinction between Community Development Financial Institutions (CDFIs) like BCF and government entities such as the SBA. Key differences highlighted: SBA programs shift based on political administrations SBA underwriting has tightened in recent years CDFIs are nonprofit, mission‑aligned, and relationship‑driven CDFIs look at the whole entrepreneur, not just credit scores 5. The Danger of Merchant Cash Advance Loans Halpern strongly warns against Merchant Cash Advance (MCA) loans, which are often marketed as fast solutions but carry extremely high interest rates and long‑term consequences. She explains that: MCAs disqualify borrowers from future SBA refinancing They often trap business owners in cycles of expensive debt CDFIs like BCF can help refinance and escape these loans A real‑world case study (The Cut Buddy / Shark Tank entrepreneur) illustrates how BCF helped refinance over $1M in predatory debt and save a growing business. 6. Relationships Matter More Than Transactions Both Halpern and McDonald emphasize the importance of building lender relationships early, not only when cash flow is tight. BCF underwrites the entire business and the entrepreneur, rather than seizing control of a contract or revenue stream, as some factoring companies do. Power comes from having options—and informed decision‑making. Key Takeaways Banking rejection is not the end of the road Small businesses must prepare themselves to be capital ready CDFIs serve as critical bridges between entrepreneurs and traditional banks Fast money often leads to expensive, dangerous debt Merchant cash advances should be avoided whenever possible Mission‑driven lenders look at the whole entrepreneur, not just numbers Strong lender relationships protect businesses during uncertainty Capital should empower growth—not take control of your company Notable Quotes “Just because a bank says no doesn’t mean that’s the end of your road.” “We’re not just looking at your credit score—we’re looking at you as a whole entrepreneur.” “Capital readiness is not about desperation; it’s about preparation.” “If you’re sitting on a merchant cash advance loan right now, you are not stuck.” “Nothing makes me happier than seeing clients realize their dreams and grow into multimillion‑dollar businesses.” “You should talk to multiple lenders—but you should always understand the real cost of the money.” Conclusion Sahra Halpern’s interview serves as a practical roadmap and a cautionary lesson for small business owners navigating today’s uncertain economic landscape. It reinforces that access to capital is about strategy, education, and relationships, not just approval or rejection. The conversation encourages entrepreneurs to reclaim power, avoid predatory financing, and partner with institutions that are committed to their long‑term success and community impact. #SHMS #BEST #STRAW See omnystudio.com/listener for privacy information.

    28 min
4.5
out of 5
34 Ratings

About

Hi, this is Rushion McDonald. Welcome to the podcast world of Money Making Conversations Master Class. I interview profits and nonprofits to learn their "Secrets to Success."  I'm a former IBM Executive with a degree in Mathematics. I started my entrepreneurial career as a stand-up comic, then became a sitcom writer, award-winning baker, social media influencer, award-winning television Executive Producer, and brand architect for super-successful celebrities and products. Money Making Conversations Master Class interviews a diverse group of celebrities, entrepreneurs, and influencers in the financial and business community with their advice and tips so you can be successful, too. It's time to stop reading other people's success stories and start building your own. People always talk about their purpose or gifts. If you have a gift, Lead with your Gift, and don't let your friends, family, or co-workers stop you from planning or living your dream. Keep Winning! https://www.moneymakingconversations.com https://www.youtube.com/MoneyMakingConversations https://www.facebook.com/MoneyMakingConversations/ https://twitter.com/moneymakingconv https://www.instagram.com/moneymakingconversations/

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