Education Tip: Educates you on how to avoid student loan debt and developed a process to simplify scholarship applications.

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

28 Dec 33min

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Germaine Bolds-Leftridge. 💼 Business Overview I Know Skincare: A skincare brand created to empower women—especially Black women—by embracing their real age and promoting self-care. Mission: To challenge the anti-aging narrative and replace it with a pro-aging, affirming message: “#RealAge.” Inspiration: Germaine’s late mother, whose glowing skin and wisdom about self-care sparked the brand’s creation. 💡 Key Insights Anti-Aging vs. Pro-Aging: Germaine rejects the term “anti-aging,” advocating instead for embracing the natural aging process as a privilege and a journey. Target Market: Primarily Black women over 40, though the products are inclusive and used by a diverse customer base. Marketing Strategy: Focused and intentional—Germaine emphasizes the importance of knowing your audience and not trying to market to everyone. Cultural Relevance: The brand is rooted in cultural pride, self-affirmation, and economic empowerment, drawing parallels to movements like Black Wall Street. 🧠 Business Wisdom “The win happens in the fourth quarter.” “If you don’t like what you see, do something about it.” “You can’t sell to everyone. Know your audience and serve them well.” 📦 Bonus Highlights Dragonfly Symbolism: Represents transformation and resilience—core themes of the brand. Clinical Testing: Products are tested specifically on Black women to ensure effectiveness for their unique skincare needs. Legacy Building: Germaine’s goal is to create generational wealth and a lasting legacy for her family and community. #AMI #STRAW #BEST #SHMSSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

28 Dec 22min

The Steve Harvey Morning Show for Friday, December 26th, 2025: Steve Harvey's Morning Inspiration | Show Open | Run That Prank Back - "Truck Driver Exchange" | Ask The CLO | When Black Folks Leave Somewhere | Would You Rather | Old Arguments With Your Spouse | Nephew Tommy's Prank - "Panty Party" | Strawberry Letter - "I Can't Do That Often" Pt. 1-2 | One Has To Go | Social Media Advice | Having Fewer Kids | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

26 Dec 1h 34min

The Steve Harvey Morning Show for Wednesday, December 24th, 2025: Steve Harvey's Morning Inspiration | Show Open | Run That Prank Back - "Christmas Decorations" | Ask The CLO | Christmas Drunks | Would You Rather | Comedy Roulette: Something An Elf Might Complain About | Nephew Tommy's Prank - "Truck Driver Exchange" | Strawberry Letter - "She's In The Middle Stirring Up Mess" Pt. 1-2 | Junior - No Black Elves | J Anthony Brown Murders The Hits: "Give It Up On Christmas" | Couples Who Have Each Other's Back | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

24 Dec 1h 31min

The Steve Harvey Morning Show for Tuesday, December 23rd, 2025: Steve Harvey's Morning Inspiration | Show Open | Run That Prank Back - "Eggnog" | Ask The CLO | Christmas Traditions With Sista O'Dell | Would You Rather | Santa's Schedule | Nephew Tommy's Prank - Christmas Decorations | Strawberry Letter - "It's The D For Me" Pt. 1-2 | Murder The Hit - "Sidepiece Santa Claus" | Christmas Songs With Roscoe Wallace | City With The Most Rats | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

23 Dec 1h 32min

The Steve Harvey Morning Show for Monday, December 22nd, 2025: Steve Harvey's Morning Inspiration | Show Open | Favorite Christmas Memories Pt.1 | Favorite Christmas Memories Pt.2 | Elves On Strike | Would You Rather | New Christmas Traditions | Nephew Tommy's Prank - "Eggnog" | Strawberry Letter - "She Slapped My Husband" Parts 1-2 | Meeting Santa | Social Media Advice | Making 100K | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

22 Dec 1h 32min

The Steve Harvey Morning Show for Friday, December 19th, 2025: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "You Sent My Wife Pictures" | Ask The CLO | "Take A Hint" Gifts | Would You Rather | Steve Harvey's Voicemail | Nephew Tommy's Prank - "Muscle Marvin" | Strawberry Letter - "Trying To Get Through The Holidays" Parts 1-2 | Sidepiece Christmas Party | Social Media Advice | TBT - Men Want Good Gifts | Would You Rather | Steve Harvey's Closing RemarksSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

19 Dec 1h 32min