THE LAST SOVIET - EP 4: VK3CFI

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee. Purpose of the Interview The interview aimed to: Highlight OneUnited Bank’s mission as the largest Black-owned and first Black-owned internet bank in America. Educate listeners on financial literacy, technology-driven banking, and economic empowerment in underserved communities. Promote OneUnited Bank’s products and services as solutions for financial challenges faced by Black Americans and others lacking access to traditional banking. Key Takeaways Historical Context & Mission The concept of a national Black-owned bank dates back to leaders like Booker T. Washington, W.E.B. Du Bois, and Martin Luther King Jr., who emphasized economic empowerment. OneUnited Bank was formed through acquisitions and later pivoted to technology-driven banking. Technology & Innovation OneUnited embraced AI and data aggregation over a decade ago to create products that help customers understand assets, liabilities, and net worth in real time. Banking has shifted from physical branches to digital platforms, enabling nationwide access. Financial Literacy Crisis 90% of Americans lack financial literacy, largely because it’s not taught in schools. Cohee advocates for mandatory K–12 financial literacy education, citing studies showing it can add $126,000 to lifetime net worth. Products Designed for Real Needs CashPlease: Short-term emergency loans at affordable rates. Second Chance Checking: Helps rebuild credit. Savings Programs: Often in collaboration with employers. These products address real-life challenges like low emergency savings and predatory check-cashing fees. Accessibility & Reach OneUnited offers nationwide banking via oneunited.com, surcharge-free ATMs, and partnerships with major networks. Customers can deposit checks online and access services without visiting physical branches. Economic Empowerment Technology enables entrepreneurship without owning physical products—leveraging branding and e-commerce. Cohee draws parallels between today’s tech opportunities and the historical wealth-building of Black Wall Street. Notable Quotes “We are FDIC insured, commercial bank like them. The only difference is we’re smarter and we have better technology.” “Technology and AI allow anyone to make decisions like they were an expert.” “If we taught financial literacy in schools, it would create over $100,000 in net worth per person over their lifetime.” “You don’t have to go to check cashers and get ripped off. Just go to oneunited.com.” “We’ve been working on AI for over a decade. We’re not coming to the party—we are the party.” “Our generation has technology and communication skills. We can change society.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

22 Tammi 33min

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Valerie Obaze. Founder of R&R Skincare. 🎯 Purpose of the Interview The interview aims to: Highlight Valerie Obaze’s entrepreneurial journey in founding R&R Skincare. Challenge stereotypes about Africa’s capabilities and resources. Promote African-made beauty products and their global relevance. Inspire others, especially women and diaspora Africans, to invest in and build businesses rooted in African heritage. 🧠 Key Takeaways 1. Breaking African Stereotypes Valerie and Rushion discuss how Africa is often misrepresented in Western media. Valerie emphasizes that ignorance is not always malicious, but it’s time to reframe the narrative through firsthand experience and platforms like social media. “Ignorance doesn’t always have to be an insult. If you don’t know, you just don’t know better.” – Valerie Obaze 2. The Birth of R&R Skincare Inspired by the birth of her daughter, Valerie sought natural skincare solutions. She discovered liquid shea oil, which became her first product. The brand name “R&R” stands for Rebecca Rose (her daughter’s name) and also Rest & Relaxation. “I wanted to create a product that makes using these raw materials from the continent enjoyable.” – Valerie Obaze 3. From Garage to Global Valerie started in her mother-in-law’s garage, turning it into a compliant mini factory. She had no formal business plan, relying on her PR and branding background. The brand now has three stores: one in Lagos and two in Accra, including one at the airport. 4. Authenticity and African Pride Valerie insists on maintaining the African identity of her brand. She uses locally sourced ingredients and ensures cruelty-free testing. The brand supports women in the supply chain, creating economic opportunities. “We don’t intend to hide that in any way. We just wanted to make raw materials sexy.” – Valerie Obaze 5. Expansion to the U.S. Valerie is expanding R&R Skincare to the U.S., leveraging social media, activations, and PR expertise. Products are manufactured in Africa, but distributed from U.S. warehouses to ensure timely delivery. “We found our tribe over here… and this was the right time to come back to America.” – Valerie Obaze 🧴 Product Highlights Shea Oil – First product, moisturizing and healing. Body Butter – Whipped, light, and rich in essential oils. Liquid Black Soap – Modern take on traditional African cleansing. Hand Cream – Convenient and portable for dry conditions. 🌍 Big Picture Vision Valerie’s goal is to grow an African brand globally, showcasing the richness of African resources and empowering local economies. “This is just a small representative of the entire continent and what it is capable of.” – Valerie Obaze #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

22 Tammi 31min

The Steve Harvey Morning Show for Thursday, January 22nd, 2026: Steve Harvey's Morning Inspiration | Show Open | Run That Prank Back- "My Auntie's Bike" | Ask The CLO | Entertainment News | Fashion For 2026 with Macy's | Steve Harvey's Voicemail | Nephew Tommy's Prank - "How Much Is In The Account, Pastor?" | Strawberry Letter - "My Mom Is For The Streets" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Ted Cruz | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

22 Tammi 1h 31min

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Dr. Justin Lee, Sr. 🎯 Purpose of the Interview The interview aims to: Highlight Justin Lee’s journey from a young real estate agent to a multifaceted entrepreneur.Inspire listeners—especially from underserved communities—to pursue financial literacy, real estate ownership, and entrepreneurship.Share actionable insights on building wealth through real estate, construction, and strategic partnerships. 🔑 Key Takeaways 1. Overcoming Age Barriers in Real Estate Justin entered real estate at 24 and embraced being the youngest in the room.He used his youth and tech-savviness (e.g., TikTok, Instagram) to bring value to veteran professionals. “I started to network more in rooms that had more experienced people… let me break some of this new millennial technology into your business.” 2. Education and Credentials In three years, Justin became a licensed broker and earned a doctorate.He emphasizes continuous learning and certifications as keys to growth. “I also finished my doctorate degree, so I'm now Doctor Justin Lee.” 3. Social Media as a Business Tool He leveraged platforms like TikTok (90K followers) to market real estate and educate clients.He stresses that online presence must reflect professionalism. “Some people look better online than in person for a reason… make your business look the same way online.” 4. Addressing Homeownership Gaps in Communities of Color Justin discusses systemic barriers like lack of financial literacy and credit education.He offers free resources like Motivational Mondays and a podcast to educate aspiring homeowners. “Most of the time, our parents… would say, ‘Don’t use no credit card.’ Great advice, but kind of bad advice at the same time.” 5. Real Estate Syndication & Group Investing He formed a private investment fund with fraternity brothers and family to buy properties collectively.Focused on affordable markets like New Orleans East for high ROI. “Let’s develop a fund… Now we own over 150 apartment complexes and units.” 6. Amazon DSP Partnership Justin owns an Amazon Delivery Service Partner business with 42 trucks and 200+ employees.He recommends minorities apply for the program, which offers a \$10K grant. “They want someone who is willing to commit… not someone who has all this business experience.” 7. Construction Ventures Inspired by his mother’s post-Katrina property acquisitions, Justin entered construction.He now leads major commercial projects including schools, restaurants, and celebrity studios. “We ended up building out a restaurant… 10,000 square foot… I love this. This is my passion.” 8. Family Legacy & Early Exposure Raised in New Orleans by a single mother and grandparents, Justin learned property management as a child.His mother’s real estate investments post-Katrina laid the foundation for his career. “I knew how to write a lease at ten… file eviction at 12… manage property before high school.” 🗣️ Notable Quotes “If you don’t plan, you plan to fail.”“Let’s teach you to do it right. Let’s do it together.”“Knowledge was power… the one thing nobody can take.”“You learn a skill, you’ll eat forever.” #BEST #STRAW #SHMSSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

22 Tammi 28min

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Shelby Williams. 🌟 Summary of the Shelby Williams Interview (From “Money Making Conversations Masterclass” with Rushion McDonald) The interview features Shelby English Williams, a registered nurse and founder of SEW Nursing, LLC, a luxury concierge nursing firm based in Atlanta. She shares her personal journey from childhood inspiration, to becoming an RN, to ultimately building a business that provides personalized, at‑home, patient‑first nursing services. Shelby also discusses the challenges nurses face, the importance of compassionate care, entrepreneurship in healthcare, and her annual nursing celebration event called the Nursing Shindig. 🎯 Purpose of the Interview The interview serves to: 1. Highlight Shelby Williams’ entrepreneurship journey She demonstrates how nurses can expand beyond traditional clinical roles and launch independent nursing businesses. 2. Educate the audience about concierge nursing Shelby breaks down what “luxury nursing care” means and how her services differ from standard home health and Medicare‑funded care. 3. Inspire nurses to pursue business ownership She provides advice, real stories, and a transparent look into the challenges and rewards of being a nurse‑entrepreneur. 4. Promote her event — the Nursing Shindig An annual celebration and empowerment gathering for nurses. 📌 Key Takeaways 1. Shelby’s Background & Calling Inspired by her church community and early exposure to elders. Knew she wanted to be a nurse since age 3. Progressed through CNA → LPN → RN. Her mother’s example and support kept her going through challenges. 2. COVID‑19 Shaped Her Perspective Was in RN school during the pandemic. Virtual classes, limited hospital access, and intense stress shaped her view of nursing. The pandemic reinforced her commitment rather than discouraging her. 3. Why She Started SEW Nursing, LLC Leadership burnout in assisted living roles. Discovered entrepreneurship via an older nurse on TikTok and a podcast. Realized: “You are your own business as a registered nurse.” Her company provides luxury concierge care, including: Medication management Clinical assessments Wellness visits Healthcare coordination Accompanying clients to doctor appointments Short‑term or situational nursing support 4. What “Luxury Nursing” Means to Her It’s not about extravagance — it’s about meeting patients where they are with: Personalized care In‑home support Time, presence, and dignity Services that standard insurance‑based care can’t provide 5. Her Approach to Care Shelby emphasizes: Service before money Relationship‑building Compassion for families in crisis Making clients feel safe and understood Not being driven by profit in urgent situations She shares a story about driving over an hour on a Sunday to help a client’s mother without charging upfront — because the priority was care, not fees. 6. Hospice Wisdom Shelby reframes the term: Hospice isn’t always the end. Patients can “graduate” off hospice. Hospice includes chaplains, social workers, aides, nurses. Helps families get affairs in order — from paperwork to emotional support. 7. The Nursing Shindig A social + educational event for nurses.Features: VIP entrepreneurship session Workbooks with business steps Keynote speakers Food, DJ, dancing (Cupid Shuffle, Electric Slide) Vendor booths Nurse recognition awards Next event:📅 August 8, 2026 — Atlanta (ATL Experience) 8. Her Message About Nursing & the System Nurses are not properly represented. Staffing ratios are unsafe. Public doesn't realize the burden of caring for 5–7 patients at once. Nurses are mentally, physically, emotionally stretched. Yet many stay because caregiving is a calling. 9. Entrepreneurship Advice for Nurses Write the plan. Make it plain. Stick to it. Fear is real but manageable. Stay committed even with long days and nights. Keep revisiting your business plan. Sacrifice is necessary: she still works full‑time while building her company. 💬 Notable Quotes (Attributed to Shelby or Rushion) On purpose and calling “I remember being three years old saying I wanted to be a nurse.” “My mother paved the way. She didn’t let me quit.” On entrepreneurship “You are your own business as a registered nurse.” “Write the plan and make it plain — and stick to it.” “It takes sacrifice. My bedtime may be 2 or 3 AM sometimes.” On luxury nursing “Meet me where I’m at and provide the care I need — that’s luxury.” On hospice “Hospice doesn’t have to be the end. Some people graduate off hospice.” “While they’re still here, make them comfortable — however comfort looks for them.” On patient families “You’ve done a good job. You set up services. Now let us help you.” On service vs money “It’s not always about the dollar. My reward is your referral.” “I didn’t take a dollar because it wasn’t about that — it was about the care.” On why she keeps returning to the profession “The reward and the service — that’s what brings me back.” Rushion on trust “All you want is for the person you love to be cared for with dignity.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

22 Tammi 31min

The Steve Harvey Morning Show for Wednesday, January 21st, 2026: Steve Harvey's Morning Inspiration | Show Open | Run That Prank Back- "The Drs Visit" | Ask The CLO | Pastor Keion Henderson & Shaunie Henderson Parts 1-3 | Nephew Tommy's Prank - "My Auntie's Bike" | Strawberry Letter - "I Want Him To Talk To Me" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Winter Weather | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

21 Tammi 1h 32min

The Steve Harvey Morning Show for Tuesday, January 20th, 2026: Steve Harvey's Morning Inspiration | Show Open | Run That Prank Back- "Steve Harvey" | Ask The CLO | Products That Remind You Of Childhood | Would You Rather| Old Phrases | Nephew Tommy's Prank - "The DRs Visit" | Strawberry Letter - "1 Husband, 3 Men" Pt. 1-2 | Horrible Bosses | Men & Closure Pt1 | Men & Closure Pt2 | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

20 Tammi 1h 31min

The Steve Harvey Morning Show for Monday, January 19th, 2026: Steve Harvey's Morning Inspiration | Show Open | Drum Major Instinct Speech Pt1 | Drum Major Instinct Speech Pt2 | Senator Reverend Raphael Warnock Pt1 | Senator Reverend Raphael Warnock Pt2 | Senator Reverend Raphael Warnock Pt3 | Trump's Comments On Civil Rights | Mountain Top Speech | I Have A Dream Speech Parts 1-2 | Steve Harvey's 69th Birthday | Why Volunteering Is Important | White Person Hotline | Steve Harvey's Introduction Of ChristSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

19 Tammi 1h 32min