The Money Variable Podcast

Marjorie E Roberts, BSBA, Senior Accountant
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The Money Variable Podcast takes a fresh, real-world approach to money—diving into how finances shape every part of our personal lives and businesses. From financial trauma, to real estate investing, business growth, life insurance, wealth-building, day trading, and much more. We uncover the financial truths most people never talk about—but everyone needs to know.

Episodes

  1. 2D AGO

    Series: Preparing for Homeownership Part 1: The First Steps to Readiness

    Tonight, we are breaking down the myths and madness concerning homeownership. Our experts will provide tips, dispel myths, and address the fears that often prevent people from achieving homeownership.

    31 min

  2. 2D AGO

    Series: Preparing for Homeownership Part 2: Money & Mortgages: Credit, Income and Do I Have More Debt Than Money?

    Homeownership starts long before you submit an application. It starts with understanding your numbers. In this episode, we are discussing: • What lenders look for in your credit profile • How income is evaluated • What debt-to-income really means • And how to determine whether you are financially positioned to move forward If you have ever asked yourself, “Am I ready?” — this conversation is for you. Preparation brings confidence. Clarity brings power.

    30 min

  3. 2D AGO

    Series: Preparing for Homeownership Part 3 Loan Types & Down Payment Help: You Don’t Need 20% Down

    You do not need 20% down. You need information. We’re breaking down:  • Loan options • Down payment assistance • What lenders are really looking for Let’s solve the equation!

    34 min

  4. 12/02/2025

    OH SNAP! – Where Can I Find Food?

    In this episode, we dive into real, practical solutions for individuals and families affected by the SNAP crisis, job loss, or sudden financial setbacks. If you’re wondering where to turn when money is tight and the fridge is running low, this conversation is for you.

    18 min

  5. 11/01/2025

    Wealth Building With Life Insurance Part 1 With Guest Dr. Nikisha Ware, RCP, PhD

    In this powerful episode, Dr. Nikisha Ware — Chief Impact Strategist and founder of Divergent Life Solutions — breaks down the truth about using life insurance as a tool for wealth-building, emotional stability, and generational legacy. Dr. Ware explains how women — especially mothers, professionals, and entrepreneurs — can leverage whole life, term life, and IUL (Indexed Universal Life) insurance to build cash value, fund business growth, pay off debt, create tax-free retirement income, and protect their children and household. She also dives into key person insurance, buy-sell agreements, retirement rollovers, beneficiary planning, mental and emotional wellness around money, and building a family legacy through life insurance and trusts. Dr. Ware sits down with Marjorie E. Roberts, Senior Accountant/CEO of Roberts Mangum & Bennett Accounting Firm and Founder of The Money Variable Non-Profit, for a transformational conversation designed to give clarity and confidence to women looking to secure their financial future, build generational wealth, and approach money with peace instead of fear — while highlighting the importance of guidance, strategy, and emotional support on the journey to financial freedom. Keywords: Financial literacy for women, life insurance for entrepreneurs, whole life vs. term life insurance, IUL life insurance explained, Indexed Universal Life policy benefits, life insurance for mothers, financial planning for women, retirement rollover strategies, tax-free retirement income, wealth-building for Black women, generational wealth strategies, business succession planning, key person insurance, buy-sell agreement life insurance, cash-value life insurance, self-funding with life insurance, financial wellness and mental health, women entrepreneurs and money, financial empowerment for women, legacy planning and family trust, life insurance wealth strategy, faith-based financial education, financial podcast for women, Black women and wealth building.

    34 min

  6. 11/01/2025

    Wealth Building With Life Insurance Part 2 With Guest Michelle P. Johnson, Insurance Broker

    Life insurance isn’t just for funerals — it's one of the most powerful wealth-building tools available. In this episode, we break down how strategic life insurance planning can help you build generational wealth, create tax-free retirement income, access cash-value for investing, fund your business, protect your family, and shift your entire financial legacy. From insurance policies used by high-net-worth families, we uncover real strategies the wealthy use — and how everyday families and entrepreneurs can do the same. This episode features Michelle Pendleton-Johnson, Founder & CEO of Eternity Insurance Agency — a veteran insurance broker and wealth strategist with 30+ years helping individuals, families, and business owners secure financial freedom through smart insurance solutions. Hosted by Marjorie E. Roberts, Senior Accountant, CEO of Roberts Mangum & Bennett Consulting, and Founder of The Money Variable, who is dedicated to advancing financial literacy, business preparedness, and wealth education in underserved communities, particularly entrepreneurs and small business owners. If you're serious about financial freedom, protecting your family, building Black wealth, or using insurance to create real lifetime income and long-term security — this conversation is for you.

    36 min

  7. 10/30/2025

    How Does Financial Trauma Show Up With Guest Leona Bishop, Eds, LPC-S

    Licensed professional counselor Leona Bishop, Eds, LPC-S joins The Money Variable Podcast to unpack how financial trauma and emotional patterns shape the way we earn, spend, and save. With over 30 years of experience in trauma-informed therapy, EMDR, and Internal Family Systems (IFS), Leona shares how unhealed money wounds can create fear, avoidance, and overspending—and how true healing begins within. Hosted by Marjorie E. Roberts, Senior Accountant, CEO of Roberts Mangum & Bennett Consulting, and Founder of The Money Variable Nonprofit Organization, this episode bridges mental health, money mindset, and financial freedom. Learn how to regulate emotions, reframe scarcity thinking, and take control of your financial story.

    30 min

  8. 10/30/2025

    Separating Personal & Business Money

    This episode breaks down the real-life financial pitfalls entrepreneurs face when they blend personal spending with business bank accounts — and how unresolved financial trauma often influences those decisions. Many business owners struggle to separate business and personal money, and the truth is, your personal spending habits will always show up in your business. In this episode, Marjorie E. Roberts, Senior Accountant & CEO of Roberts Mangum & Bennett Accounting Firm, explains why using your business account like a personal wallet can sabotage your bookkeeping, tax planning, payroll, and long-term business stability. She also shares practical strategies to build healthier money habits, set up proper financial systems, pay yourself the right way, and avoid emotional spending disguised as “business decisions.” Whether you're a new entrepreneur or growing your business, this conversation will help you create financial discipline, protect your business account, and build a solid foundation for long-term wealth — both personally and professionally. Key Topics: Untangling business vs. personal financesFinancial trauma and emotional spending triggersCommon business banking mistakes and how to prevent themHow to properly pay yourself as a business ownerSetting up systems for taxes, payroll, and accountabilityWhy mixing accounts harms business growth and planning

    31 min
  • 8 Episodes

About

The Money Variable Podcast takes a fresh, real-world approach to money—diving into how finances shape every part of our personal lives and businesses. From financial trauma, to real estate investing, business growth, life insurance, wealth-building, day trading, and much more. We uncover the financial truths most people never talk about—but everyone needs to know.

Information

  • Creator
    Marjorie E Roberts, BSBA, Senior Accountant
  • Years Active
    2025 - 2026
  • Episodes
    8
  • Rating
    Clean
  • Copyright
    © 2026 The Money Variable Podcast
  • Show Website
    The Money Variable Podcast