Money Tips: Millennial millionaire says real estate is always going to be good bet. Bad debt is the credit card.

Money Tips: Millennial millionaire says real estate is always going to be good bet. Bad debt is the credit card.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Justin M. Lee.

Purpose of the Interview

  • To showcase Dr. Lee’s journey from a young real estate agent to a multi-industry entrepreneur.
  • To inspire listeners with strategies for wealth-building through real estate, construction, and logistics.
  • To encourage financial literacy, ownership, and collaboration within underserved communities.
  • To issue a call to action for minorities to explore opportunities like Amazon DSP and real estate investment.

Key Takeaways

  1. Early Career & Education

    • Started young in real estate, embraced discomfort in rooms dominated by older professionals.
    • Leveraged millennial tech skills (social media marketing) to help veteran brokers grow.
    • Earned a doctorate degree and became a licensed real estate broker.
  2. Social Media as a Business Tool

    • Built a strong presence on TikTok (90K followers) and other platforms.
    • Helped older real estate firms thrive by creating digital visibility.
    • Emphasized that “business must look as good online as in person.”
  3. Financial Literacy & Homeownership

    • African-American communities often lack foundational financial knowledge.
    • Key barriers: misunderstanding credit, fear of debt, and lack of exposure to ownership benefits.
    • Advocates teaching the difference between good debt (real estate) and bad debt (consumer credit).
  4. Real Estate Process

    • Initial onboarding: credit score, income, tax filing.
    • Connect clients with lenders, secure pre-approval, then negotiate and close within 30–45 days.
    • Uses property tours as motivation even for those not yet approved.
  5. Pooling Resources for Wealth

    • Industry dominated by white men and foreign investors who use syndication.
    • Dr. Lee created a private family fund with fraternity brothers and friends.
    • Acquired 150+ apartment units and commercial properties by pooling resources and forming LLCs.
  6. Amazon DSP Opportunity

    • Owns an Amazon Delivery Service Partner business (42 trucks, 200 employees).
    • Offers minorities a chance to apply for DSP with $10K grant.
    • Taught him true CEO skills: HR, payroll, compliance, and scaling operations.
  7. Construction Business

    • Entered construction after experiencing exploitation in fix-and-flip projects.
    • Learned the business side (permits, change orders) and got licensed.
    • Built major projects like a 10,000 sq. ft. restaurant in Atlanta.
    • Advocates for Black representation in construction, an industry dominated by whites and Hispanics.
  8. Personal Background

    • Raised in New Orleans during Katrina by a single mother and grandparents.
    • Mother invested FEMA checks into real estate, teaching him property management and renovation skills early.
    • Believes knowledge is power and emphasizes planning and consistency.

Notable Quotes

  • On embracing discomfort:
    “I learned to embrace the uncomfort and make it one of my biggest strengths.”

  • On social media:
    “You have to make your business look the same way online as in person.”

  • On financial literacy:
    “Real estate is always going to be good debt. Bad debt is the Macy’s card.”

  • On collaboration:
    “Pooling resources shows how far we can go and how fast we can go—but together.”

  • On planning:
    “If you don’t plan, you plan to fail. All you have to do is stick to the plan.”

#SHMS #STRAW #BEST

Support the show: https://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

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FULL SHOW: Overheard At The Holiday Party, Strawberry Letter: My Holy Lover's Double Life - 12.17.25

FULL SHOW: Overheard At The Holiday Party, Strawberry Letter: My Holy Lover's Double Life - 12.17.25

The Steve Harvey Morning Show for Wednesday, December 17th, 2025: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Your Wife Is Having A Black Baby" | Ask The CLO | Things you Hear At A Black Holiday Party | Would You Rather | Steve Harvey's Voicemail | Nephew Tommy's Prank - "Wedding In Jamaica" | Strawberry Letter - "My Holy Lover's Double Life" Parts 1-2 | Junior's Christmas Poem | Social Media Advice | Re-Gifting | Would You Rather | Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

17 Joulu 20251h 32min

Uplift: People are divorced from themselves—She teaches you how to stay married to yourself.”

Uplift: People are divorced from themselves—She teaches you how to stay married to yourself.”

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Marsha Evans. Purpose of the Interview To highlight Marsha Evans’ work as a licensed professional counselor and founder of Willow Tree Counseling and Educational Center. To explore strategies for navigating life’s complex stages, breaking generational patterns, and building authentic relationships. To provide actionable insights for entrepreneurs and individuals on self-awareness, fear management, and relationship dynamics. Key Takeaways Understanding Complexity Life stages vary in complexity for each person—middle school for some, adulthood for others. Evans emphasizes listening and identifying what balance, peace, or contentment means for each individual. Early Awareness and Discipline At age 12, Evans set a goal to earn a scholarship, showing intentionality and discipline. Athletics taught her teamwork, problem-solving, and resilience, shaping her leadership style. Reading the Room Start by reading yourself—know your energy and intentions. Authenticity and confidence are key to building relationships and leveraging opportunities. Fear and Family Systems Fear often originates from family systems and generational patterns, not just personal experiences. Example: Parents’ limited worldview can project fear of the unknown onto children. Recognizing these patterns helps individuals break cycles and pursue their own paths. Generational Patterns & Healing Evans uses Genograms (visual family trees) to identify psychological and behavioral patterns across three generations. Acceptance of parents and family history is crucial for personal and professional growth. Rejecting parents = rejecting life and success; honor them while creating new narratives. Practical Steps for Change Build a relationship with yourself through solitude, meditation, yoga, and movement. Reduce stress (cortisol levels) to improve clarity and decision-making. Examine your money story—how family attitudes toward money shape your financial behavior. Relationships Romantic: Partners often mirror unresolved childhood issues; do inner work to avoid projecting. Professional: Maintain boundaries; emotional needs should not be placed on workplace relationships. Personal: Define roles clearly; avoid expecting friends to fill parental gaps. Consistency and Authenticity Success requires consistency with yourself before expecting it from others. Ask: Are your goals truly yours or influenced by societal expectations? Notable Quotes “I become a visitor in your world and start listening to your story.” “Reading the room starts with reading yourself.” “Fear is often not yours—it comes from your family system.” “You can’t reject your parents; when you reject your mother, you reject life.” “Consistency with yourself is key to achieving the results you desire.” “Your partner cannot carry the burden of your parents.” “People are divorced from themselves—I teach them how to get married to themselves.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

16 Joulu 202536min

FULL SHOW: Things Steve Hates, Strawberry Letter: I Can Tell By the Smell - 12.16.25

FULL SHOW: Things Steve Hates, Strawberry Letter: I Can Tell By the Smell - 12.16.25

The Steve Harvey Morning Show for Tuesday December 16th, 2025: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Church Gospel Quiz" | Ask The CLO | Things Steve Hates | Would You Rather | Who Most Likely on the Show | Nephew Tommy's Prank - "Your Wife is Having a Black Baby" | Strawberry Letter - "I Can Tell by the Smell" Parts 1-2 | What Puts You in the Christmas Spirit | Social Media Advice | Did You Follow Your Childhood Dreams | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

16 Joulu 20251h 30min

FULL SHOW: Best Places to Find a Christmas Boo, Strawberry Letter: She’s Getting More From Him Than Money - 12.15.25

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The Steve Harvey Morning Show for Monday, December 15th, 2025: Steve Harvey's Morning Inspiration | Show Open | The Pastors | Ask The CLO | Best Places to Find a Christmas Boo | Christmas Day Build Up | Sister Odell | Nephew Tommy's Prank - "Church Gospel Quiz" | Strawberry Letter - "She’s Getting More From Him Than Money" Parts 1-2-3 | Social Media Advice | Warm Weather Predictions for the Holidays | Would You Rather | Closing Remarks - Christmas CarolsSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

15 Joulu 20251h 30min

FULL SHOW: Last Date to Break Up Before the Holidays, Strawberry Letter: So What I Burned a Few Things - 12.12.25

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The Steve Harvey Morning Show for Friday, December 12th, 2025: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Surrogate Mother" | Ask The CLO | What Workers Look Forward to Over the Holidays | Last Date to Break Before the Holidays| Nephew Tommy's Prank - "Diva Lounge" | Strawberry Letter - "So What I Burned a Few Things" Parts 1-2 | Who Are You Gonna Regret Inviting Over for the Holidays | Social Media Advice | Eat Out or Shopping | Would You Rather | Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

12 Joulu 20251h 30min

Uplift: She educates on stress, burnout, compassion fatigue, and financial equity in the mental health field.

Uplift: She educates on stress, burnout, compassion fatigue, and financial equity in the mental health field.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sharise Nance. Purpose of the Interview To showcase Sharise Nance’s mission in mental health advocacy, entrepreneurship, and workplace wellness. To discuss her companies: Hand in Hand Counseling Services – addressing mental health disparities in Black communities. Vitamin C Healing – building trauma-sensitive, wellness-centered workplace cultures. To educate on stress, burnout, compassion fatigue, and financial equity in the mental health field. Key Takeaways Hand in Hand Counseling Services Founded with college roommate Tess Kenny in Pittsburgh. Created a safe space for mental health support in underserved communities. Celebrating 12 years in operation. Breaking Mental Health Stigma Built trust through community presence and transparency. Advocated therapy as normal: “I’m a therapist who has a therapist.” Education on what therapy is and isn’t. Understanding Stress Eustress (positive stress) vs. Distress (overwhelming stress). Physical signs: sweating, rapid heartbeat, tense shoulders, jaw clenching. Stress can lead to depression and anxiety—seek professional help. Impact of COVID-19 Isolation amplified mental health issues. Introduced concept of co-regulation—healing through community and connection. Vitamin C Healing Originated from her book Vitamin C Healing for the Mind, Body. Evolved into a brand offering workshops, consultations, and burnout assessments. Focused on helping professionals and leaders prevent compassion fatigue. Financial Equity in Mental Health Advocates for fair pay: “We can care deeply and earn abundantly.” Challenges the mindset that passion work means low income. Encourages professionals to set boundaries and value their expertise. Burnout & Organizational Cost Unaddressed burnout costs companies millions annually. Leads to quiet quitting, low productivity, and high turnover. Investing in wellness saves money and improves culture. Personal Journey Biggest bet: leaving full-time job in 2017 to pursue entrepreneurship. Therapy helped her navigate fear and grief (especially after losing her father). Quote: “Feel the fear and do it anyway.” Notable Quotes “We can care deeply and earn abundantly.” “I’m a therapist who has a therapist.” “Feel the fear and do it anyway.” “We heal when we are in community—it’s hard to heal in isolation.” “Compassion fatigue isn’t just a feel-good topic; it costs companies millions.” “Betting on myself was the best investment I ever made.” #SHMS #STRAW #BEST #AMISupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

12 Joulu 202533min

FULL SHOW: 85 South, Favorite Christmas Movies, Strawberry Letter: He Needs New Underwear - 12.11.25

FULL SHOW: 85 South, Favorite Christmas Movies, Strawberry Letter: He Needs New Underwear - 12.11.25

The Steve Harvey Morning Show for Thursday, December 11th, 2025: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "NBA Party" | Ask The RTLO & Junior | Entertainment News | 85 South Show | Nephew Tommy's Prank - "Surrogate Mother" | Strawberry Letter - "He Needs New Underwearr" Parts 1-2 | Junior's Sports Talk | Social Media Advice | President Obama Visits Library | Would You Rather | Closing Remarks - Favorite Christmas MoviesSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

11 Joulu 20251h 30min

FULL SHOW: Prison Surf & Turf, Strawberry Letter: I'm Not Going This Year - 12.10.25

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10 Joulu 20251h 32min

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