Family Business: Started tax preparation as a mom-and-pop operation, now 1,000 virtual locations.

Family Business: Started tax preparation as a mom-and-pop operation, now 1,000 virtual locations.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mowbray and Cherina Rowand.

🎙️ Interview Summary: Mowbray & Cherina Rowand Purpose of the Interview

To showcase the entrepreneurial journey of Mowbray and Cherina Rowand, co-founders of The Rowand Group and One Stop Taxes, the largest Black-owned virtual tax preparation service in America. The interview highlights their business evolution, scaling strategies, community impact, and the creation of the Black Tax Festival.

🧭 Interview Outline 1. Background & Origins

  • Both from Memphis, Tennessee; met in high school.
  • Started tax preparation in 2010 as a mom-and-pop operation.
  • Transitioned from brick-and-mortar to virtual model by 2015.

2. Business Philosophy

  • Entrepreneurship is defined as service to others.
  • Mowbray is the visionary; Cherina is the implementer.
  • Emphasis on scaling with structure: legal, accounting, HR.

3. One Stop Taxes

  • Grew from a single office to over 1,000 virtual franchise locations.
  • Offers free training, no startup costs, and shared revenue model.
  • Built a platform allowing clients to submit documents and sign remotely.

4. Virtual Tax Model

  • Designed for convenience and accessibility.
  • Clients and tax preparers never need to meet in person.
  • Platform includes document upload, e-signature, and cloud storage.

5. Franchise & Training

  • Learning Management System (LMS) for onboarding.
  • Training includes tax prep, customer acquisition, and platform use.
  • Strategic partnerships with local businesses (e.g., dealerships, daycares).

6. Black Tax Festival

  • Annual event held in Atlanta (Oct 16–18).
  • Combines networking, education, and recognition.
  • Includes IRS updates, business workshops, and the Titan Awards.
  • Open to all entrepreneurs, not just tax professionals.

7. Expansion & Diversification

  • Own restaurants in Memphis and the Dominican Republic.
  • Franchised Fat Tuesday and Esco Restaurant (did \$1M in first 6 weeks).
  • Own a yacht for rental experiences in the DR.
  • Plans to develop a restaurant strip near FedExForum in Memphis.

💡 Key Takeaways

  • Vision + Execution = Growth: Their complementary roles fuel business success.
  • Virtual is Scalable: Transitioning to virtual allowed exponential growth.
  • Community Impact Matters: Black Tax Festival fosters education and recognition.
  • Diversification is Strategic: Restaurants and real estate expand their brand.
  • Mentorship & Learning: They study successful entrepreneurs like Tilman Fertitta.
  • Faith & Family Drive: Their journey is rooted in love, planning, and purpose.

🗣️ Notable Quotes

  • “Entrepreneurship means being a servant to other people.”
  • “The same thing that works at \$1M doesn’t work at \$15M.”
  • “We had to fire ourselves from some jobs and hire professionals.”
  • “We built a platform where you can do taxes from your couch.”
  • “We started before social media—we know belly-to-belly marketing.”
  • “Recognition matters—people don’t get it at home or work.”
  • “We’re trying to bridge the wealth gap through proper paperwork.”
  • “We bought a yacht in the Dominican Republic to rent for experiences.”

#SHMS #STRAW #BEST

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

See omnystudio.com/listener for privacy information.

Episoder(3935)

Money Tips: He issues a call to action to explore opportunities like Amazon DSP, construction and real estate investment.

Money Tips: He issues a call to action to explore opportunities like Amazon DSP, construction and real estate investment.

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 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. 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.” 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). 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. 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. 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. 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. 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 #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

27 Jan 22min

Financial Tip:  We discuss his mission as a financial leader and his focus on expanding diversity in the financial services industry.

Financial Tip: We discuss his mission as a financial leader and his focus on expanding diversity in the financial services industry.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Brett Chestnut. Summary of the Interview On Money Making Conversations Masterclass, host Rushion McDonald interviews Brett Chestnut, Managing Director of Northwestern Mutual Goodwin, Wright Gwinnett. The conversation centers on Brett’s mission as a financial leader, his journey from engineering to financial planning, his commitment to mentoring, and his focus on expanding diversity in the financial services industry. Brett describes how he transitioned from engineering in 2015 to financial planning because he wanted to help people regain the ability to dream—not just survive. He discusses his work in recruiting diverse advisors, supporting career‑shifting professionals, mentoring, and educating people on foundational financial decision‑making. The interview also explores money mindsets, budgeting, the challenges of building wealth in communities of color, and the often‑overlooked emotional side of money. Brett emphasizes starting with the basics, not skipping steps (e.g., jumping straight to cryptocurrency), and building strong financial foundations. Rushion repeatedly highlights Brett as a powerful brand and role model, underscoring the importance of Black leadership in financial fields and the role of representation in increasing trust and access. Purpose of the Interview The interview’s purpose is to: 1. Introduce Brett Chestnut as a trusted financial leader Rushion aims to elevate Brett’s visibility as a Black managing director in financial services—an industry where representation has traditionally been limited. 2. Educate listeners on financial empowerment Brett provides practical, relatable guidance on budgeting, investing, career transitions, and developing financial discipline. 3. Highlight Northwestern Mutual’s diversity initiatives Brett explains how the company is intentionally investing in diverse advisors and underserved markets. 4. Inspire career‑based and financial self‑reflection He encourages people to examine their spending habits, consider new career paths, and align decisions with long-term goals. 5. Promote mentorship and community uplift Both Brett and Rushion stress the transformative power of mentorship and generational investment. Key Takeaways 1. Financial empowerment starts with awareness Brett urges everyone to analyze their last 2–3 months of spending to understand what their habits really prioritize. 2. You must “choose your hard” Saving and planning may be difficult now, but the alternative is harder later. Financial success requires discipline, not magic formulas. 3. Wealth building is emotional as much as logical Money connects to family, relationships, self‑worth, stress, and confidence. Advisors must understand clients emotionally, not just mathematically—especially women and diverse communities. 4. Don’t skip steps (especially with investing and crypto) Many want to “get rich fast,” but Brett warns that skipping foundational steps (budgeting, savings, retirement planning) leads to confusion and poor decisions. 5. Mentorship works only with real relationship True mentorship requires understanding someone’s full life story, not just giving advice. 6. Representation matters in financial services Northwestern Mutual is investing heavily in diverse advisors not just for optics, but because entire markets have been historically underserved. 7. Closing the wealth gap requires generational strategy One generation must be willing to be selfless, disciplined, and intentional with assets to move future generations forward. 8. Brett sees his work as multiplying impact By developing new advisors and helping create “15 millionaires,” he hopes to create compounding community uplift. Notable Quotes (from the transcript) On financial empowerment “I want people to dream again. We’re not dreaming no more—we’re living because of obligation.” “When we’re born we look like our parents, but when we die, we look like our decisions.” On career purpose “I help people who are successful but career‑disturbed. They want more.” On money habits “Look at your last three months of spending. Your money tells you what your real priorities are.” On investing and crypto “People want to skip steps… going from no savings straight to crypto.” “If you don’t understand it, maybe it’s not time for you to invest in it.” On mentorship “To give someone feedback without relationship is harassment.” “Let me hear your story… mentorship starts with knowing the inner person.” On diversity and empowerment “Their growth strategy is diversity… whole markets haven’t even been called on yet.” On community and identity “We’re special… if we regain that confidence and approach the marketplace with courage, everything changes.” On wealth-building reality “You have to choose your hard. Hard now or hard later.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

27 Jan 26min

Uplift: Motivational speaker and co‑founder of Next Level Living, which feeds a thousand children weekly in South Africa.

Uplift: Motivational speaker and co‑founder of Next Level Living, which feeds a thousand children weekly in South Africa.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jeremy Anderson. SUMMARY OF THE INTERVIEW The conversation between Rushion McDonald and Jeremy Anderson on Money Making Conversations Masterclass covers Jeremy’s personal transformation, his mission-driven approach to motivational speaking, the creation of Next Level Speakers Academy, the power of environment and mindset, and his philanthropic work in South Africa. The interview highlights values such as purpose over profit, taking ownership, perseverance, and maximizing one’s potential. [ PURPOSE OF THE INTERVIEW The purpose of the episode is to: 1. Introduce Jeremy Anderson’s Work Showcase Jeremy’s role as a premier motivational speaker, founder of Next Level Speakers Academy, and co‑founder of Next Level Living, which feeds a thousand children weekly in South Africa. [ 2. Inspire Listeners Toward Purpose‑Driven Success Encourage viewers to move from “wasted potential” to purposeful, impactful living by believing in themselves and pursuing their gifts. 3. Demonstrate How Jeremy’s Principles Apply Broadly Rushion emphasizes that Jeremy’s business, branding, and mindset strategies apply not just to speakers, but to entrepreneurs, executives, and everyday people. 4. Promote Actionable Personal Growth The interview seeks to motivate listeners to take ownership, adopt non‑negotiable success habits, and maximize opportunities. KEY TAKEAWAYS 1. Wasted Potential is a Universal Struggle Jeremy defines wasted potential as having greatness inside but failing to believe in it or pursue it. Many people don’t lack talent — they lack belief and action. 2. Purpose Over Profit He warns new speakers not to chase “the bag.”Impact first → income follows. If your heart is for people, success comes naturally. 3. Your Story Is Your Superpower Every struggle someone has overcome is a testimony meant to help others. Keeping quiet keeps your gift hidden. 4. Maximize Every Opportunity Whether you’re speaking, laying concrete, or running a small business, get every drop out of every engagement — testimonials, photos, referrals, and relationship‑building. citeturn1search1 5. Environment and Mindset Matter True growth starts by changing your internal environment.Jeremy’s life changed when teachers chose to see the best in him, showing that belief from others can shift self-belief. 6. Non‑Negotiables Build Discipline Success requires habits you don’t negotiate with: early rising, prayer, meditation, cold plunges, challenging discomfort, and consistent personal development. 7. Extreme Ownership Replaces Excuses Greatness comes from responsibility, not excuses. Jeremy demands accountability from his teams and himself. 8. Brand Is Built on Transparency Jeremy’s brand centers on perseverance, faith, and family—not perfection. He shares both triumphs and private struggles. 9. Giving Back Is Central to His Purpose Next Level Living feeds 1,000 children weekly and sponsors students in South Africa through college. Impact must extend beyond business. NOTABLE QUOTES FROM THE INTERVIEW On Purpose & Potential “Don’t come to me for profits. Come to me for purpose. Don’t come to me for income. Come to me for impact.” “It’s only a testimony if you testify.” “Most people don’t believe and they don’t pursue — that’s wasted potential.” On Mindset & Environment “I wasn’t living a life of purpose… I had to stop blaming others and go all in on me.” “Sometimes the shackles we have are in our mind.” On Discipline “Success requires non‑negotiables.” (Waking early, prayer, meditation, discomfort training) “People want comfort — but everything great comes with discomfort.” On Value “If you want to be valuable, you must have value.” “They’re not paying me top dollar because I'm motivational. I solve a problem.” On Legacy & Family “My brand is perseverance and family.” “These things don’t happen to me — they happen for me.” On Accountability “No excuses — take ownership.” “I’ve never met anyone who became great from excuses.” On Giving Back “We’ve been feeding a thousand starving children every week since 2018.” “We put 60 kids through college — and we’re just getting started.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

27 Jan 32min

FULL SHOW: Church Complaints, Strawberry Letter: He's Not Handsome, He's Blessed - 1.26.26

FULL SHOW: Church Complaints, Strawberry Letter: He's Not Handsome, He's Blessed - 1.26.26

The Steve Harvey Morning Show for Monday, January 26th, 2026: Steve Harvey's Morning Inspiration | Show Open | Church Complaints | Ask The CLO | Entertainment News | NAACP Image Awards | Sista O'Dell | Nephew Tommy's Prank - "Dreaming Of Your Wife" | Strawberry Letter - "He's Not Handsome, He's Blessed" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | January Break-Ups | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

26 Jan 1h 32min

FULL SHOW_ Blaming Steve Harvey, Strawberry Letter_ They Went To See The Place Without Me - 1.23.26

FULL SHOW_ Blaming Steve Harvey, Strawberry Letter_ They Went To See The Place Without Me - 1.23.26

The Steve Harvey Morning Show for Friday, January 23rd, 2026: Steve Harvey's Morning Inspiration | Show Open | Run That Prank Back- "How Much Is In The Account, Pastor?" | Ask The CLO | Entertainment News | New Looks For 2026 with Macy's | Roscoe Wallace | Nephew Tommy's Prank - "Divorce Papers" | Strawberry Letter - "They Went To See The Place Without Me" Pt. 1-2 | Trending: Little Girl Blames Steve Harvey | Social Media Advice | Ready To Love Update | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

23 Jan 1h 32min

FULL SHOW: Steve Harvey's Voicemail, Strawberry Letter: My Mom Is For The Streets - 1.22.26

FULL SHOW: Steve Harvey's Voicemail, Strawberry Letter: My Mom Is For The Streets - 1.22.26

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 Jan 1h 31min

FULL SHOW_ Pastor Keion Henderson & Shaunie Henderson, Strawberry Letter_ I Want Him To Talk To Me - 1.21.26

FULL SHOW_ Pastor Keion Henderson & Shaunie Henderson, Strawberry Letter_ I Want Him To Talk To Me - 1.21.26

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 Jan 1h 32min

FULL SHOW: Childhood Memories, Strawberry Letter: 1 Husband 3 Men - 1.20.26

FULL SHOW: Childhood Memories, Strawberry Letter: 1 Husband 3 Men - 1.20.26

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 Jan 1h 31min

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