Financial Tip: He educates aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies.
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
17 Dec 34min
Health Tip: His 360 Health and Wellness Network, which focuses on mindset, diet, and exercise .
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jeff Cade. Purpose of the Interview The interview aims to inspire listeners—entrepreneurs, small business owners, and individuals—about the importance of health and wellness in achieving personal and professional success. It introduces Jeff Cade’s 360 Health and Wellness Network, which focuses on mindset, diet, and exercise as pillars for a holistic lifestyle. Key Takeaways Health and Wealth Connection Wealth cannot buy health; longevity depends on lifestyle choices. Self-care is essential for sustaining business success and personal well-being. Jeff Cade’s Background & Motivation Over 15 years in health and wellness, with experience in hospitality and healthcare. Personal tragedy: lost both parents to cancer, which fueled his mission. Author of Battleground Cancer to educate on mental, physical, and spiritual resilience. Core Philosophy “Take food as medicine, not medicine as food.” Three pillars: Mindset, Diet, Exercise—you can’t have one without the others. Advocates plant-based diets, hydration, and mindfulness practices. Actionable Advice Know your body and listen to its signals. Reduce sugar and processed foods; crowd out unhealthy items with colorful plates. Use affirmations: “I am healed, healthy, happy.” Transformation is incremental: start with 30-, 45-, or 90-day goals. Stress management is critical—stress kills and triggers unhealthy habits. Programs & Engagement Offers personalized coaching and programs via JeffK360.com. Focus on accountability partnerships and individualized plans. Notable Quotes On transformation:“What you don’t change, you choose.” On health and success:“Self-care is the new health care.” On mindset:“I am healed, I am healthy, I am happy.” On accountability:“If it’s to be, it’s up to me.” On purpose:“You can’t serve others if you don’t serve yourself first.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
17 Dec 37min
Overcoming the Odds: How a successful Businesswoman overcame teen pregnancies and raised her siblings.
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kimberly Kelly. A real estate broker and entrepreneur who overcame a challenging upbringing in foster care, teen motherhood, and systemic adversity to become a successful businesswoman. Kimberly shares her journey of resilience, faith, and determination, offering inspiration to anyone facing difficult circumstances. Her story is a testament to perseverance, adaptability, and the power of believing in oneself. 🧭 Key Points 🌱 Early Life & Adversity Raised in foster care from a young age due to her mother’s struggles with addiction. Took on a caregiver role for her younger brothers at age 9. Became a mother at 15 and had two children by 18, while still caring for her siblings. 💪 Resilience & Mindset Developed a survival mindset early on, driven by responsibility and love for her family. Found faith and spiritual grounding during her time in foster care. Never doubted her ability to succeed despite overwhelming odds. 🎓 Education & Career Path Returned to complete her high school diploma and pursued technical education. Earned a degree in electronics engineering and transitioned into the IT world. Later became a licensed real estate agent and opened her own brokerage. 🏡 Business Ventures Founder of a real estate brokerage in McDonough, Georgia. Focuses on educating and empowering first-time homebuyers and entrepreneurs. Co-owner of a property preservation company, Get Adventurous, with her husband. 🤝 Leadership & Branding Leads a small team of agents with a hands-on, mentorship-driven approach. Emphasizes adaptability, personal growth, and celebrating small victories. Operates within a price range of $250K–$750K and above, adapting to market trends. 💬 Notable Quotes “I’m superwoman. I’m phenomenal.” “Foster care is supposed to be temporary, but sometimes it becomes permanent.” “It never dawned on me that I wouldn’t be successful.” “You can do anything. There is nothing you can’t do in this life.” “Practice resilience. If you don’t have a support system, look in the mirror and talk to yourself.” “I’m always in the mindset of staying adaptable.” “My goal is to educate, motivate, and teach people that we can own real estate.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
17 Dec 23min
Family First: Raising significance is about how you teach your children to change the world.
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Michelle Taylor Willis. Author, Speaker, Award-Winning Community Leader 🎯 Purpose of the Interview To explore Michelle’s guidebook “Raising Significance”, which offers practical advice for parents on how to raise children who are not just successful, but significant—meaning they positively impact the world around them. The interview also highlights Michelle’s personal journey, her community work, and the values that drive her. 🔑 Key Takeaways 1. Success vs. Significance Michelle defines a powerful distinction: “Success is about you and your immediate circle. Significance is about how you turn your success to work for everybody else.” Her book aims to help parents raise children who are intentional change-makers, not just achievers. 2. Eight Tenets of Parenting While not all are listed in the interview, Michelle emphasizes one foundational principle: “Obey immediately and happily.”This sets the tone for discipline, respect, and responsiveness in children. 3. Healthy Fear is Necessary Michelle advocates for instilling a respectful fear of authority and consequences: “Sometimes you just need to do what I say do… because I’m saving your life.” 4. Music Enhances Critical Thinking Michelle encourages early musical education: “All my kids started piano at five… There’s a direct correlation between music, math, and critical thinking.” Rashawn shares his own experience with music and how it shaped his memory and academic success. 5. Greek Life as a Catalyst Both Michelle (AKA) and Rashawn (Omega Psi Phi) reflect on how joining Black Greek organizations shaped their discipline, focus, and lifelong networks: “It was a life-changing event… It expanded my value of relationships and networking.” 6. Community Recognition Matters Michelle expresses deep gratitude for being honored: “I will never be sick of somebody telling me they value what I do.” She views awards not as vanity but as validation of meaningful work. 7. Parenting with Purpose Michelle’s book is not about perfection but intentionality: “I’m not a parenting expert… But if you instill these things early, significance won’t be accidental—it’ll be inevitable.” 💬 Notable Quotes On parenting: “You act happy about it. Because if you don’t act happy, then you’re going to make me unhappy. And I promise you, you don’t want me unhappy.” On legacy: “Raising significance is about how you teach your children to change the world—and teach others to do the same.” On humility: “It’s never about me.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
17 Dec 22min
Career Change: He empowers underserved communities—to leverage AI and design skills for financial upgrades.
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain II. Purpose of the Interview The interview aims to: Highlight alternative pathways to high-paying careers without a traditional four-year degree. Showcase how UXD Academy, founded by Everett Swain II, empowers individuals—especially from underserved communities—to leverage AI and design skills for financial and academic freedom. Inspire entrepreneurs and small business owners to embrace AI-driven opportunities. Key Takeaways AI as an Opportunity, Not a Threat AI can amplify human capabilities rather than replace them. Small businesses see 80% positive ROI from AI adoption, making it a major growth lever. Career Without a Degree Over 40% of tech companies no longer require degrees, focusing instead on certifications and portfolios. UXD Academy teaches AI experience design and automation for learners as young as 13. Everett’s Journey Started as a graphic designer, pivoted to UX after self-learning via “YouTube University.” Built UXD Academy to democratize access to tech careers and fight industry gatekeeping. Business Model UXD Academy offers free resources and paid guidance. Created Our Table, an AI experience agency employing top students for real-world projects. Impact on Underserved Communities Programs can transform lives, moving individuals from low-income jobs to salaries of $75K–$140K within 3 years. Focus on youth (starting at age 13) to break cycles of poverty and limited exposure. Future AI Trends for Small Businesses AI agents, automated workflows, and AI-powered customer experiences will dominate in the next 12–18 months. Legacy Everett aims to help 100,000 youth create their own reality through tech education. Notable Quotes On AI’s role:“Think of AI as the smartest intern you know—you can train it to work specifically for you.” On education:“You don’t need a degree for what I do. Over 40% of tech companies don’t care about degrees anymore—they care about your portfolio.” On opportunity:“If you follow what I’m telling you, you can change your life in under a year and a half.” On underserved communities:“For the first time in history, people of color can bridge the gap to academic and financial freedom without a four-year degree.” On legacy:“If I can help 100,000 kids create their own reality, that will be my legacy.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
16 Dec 36min
News to Know: He helps buyers secure financing, conduct due diligence, and close profitable deals.
Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Elliot Holland. The managing partner of Guardian Due Diligence. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Buying Small Businesses vs. Franchises Holland explains the differences between purchasing a franchise and acquiring an independent business. He highlights the risk-reward balance, noting that franchises offer a structured model, while independent businesses can be more lucrative but require deeper due diligence. Financial Strategies for Business Acquisition He discusses the SBA 7(a) loan program, which allows buyers to acquire businesses with 90-95% financing, making ownership more accessible. Holland explains how leveraging financing can turn a small investment into a million-dollar business. Due Diligence & Avoiding Bad Deals He emphasizes the importance of financial diligence to ensure buyers don’t acquire failing businesses. Holland shares red flags to watch for, such as misleading financials and sellers masking poor performance. Masterclass for First-Time Buyers Holland introduces his Business Buying Masterclass, designed to educate entrepreneurs on the acquisition process. He provides one-on-one coaching, helping buyers navigate financing, negotiations, and deal structuring. Success Stories & Case Studies He shares examples of clients who successfully acquired businesses, including a 24-year-old entrepreneur and a 60-year-old investor. Holland highlights how his expertise helped buyers secure financing, conduct due diligence, and close profitable deals. About Elliot Holland & Guardian Due Diligence Elliot Holland is a Harvard MBA, private equity investor, and business acquisition expert. He founded Guardian Due Diligence to help first-time buyers confidently purchase profitable businesses. His firm specializes in financial diligence, ensuring buyers make informed decisions and avoid costly mistakes. Through his masterclass and consulting, Holland empowers entrepreneurs to build wealth through business ownership. #BEST #STRAW #SHMS Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
16 Dec 28min
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 Dec 1h 30min
Follow Your Passion: Former USC track star, turned education attorney and now filmmaker, discusses new “Love the Skin You’re In”
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sauda Johnson McNeal. To highlight Sauda Johnson McNeal’s journey from a successful law career to filmmaking. To discuss her new film “Love the Skin You’re In”, its themes, production process, and personal significance. To inspire entrepreneurs and creatives to pursue their passions while balancing purpose and practicality. Key Takeaways Career Transition & Dual Roles Sauda started as an actor, realized the instability, and pursued law for financial security. Maintains dual careers: education attorney and filmmaker, blending purpose (helping youth) and passion (storytelling). Film Details Title: Love the Skin You’re In. Themes: Self-love, family healing, caretaking, and African-American experiences. Cast includes Wendy Raquel Robinson, Marla Gibbs, and Oba Babatundé. Release: Limited theatrical run (Dec 17–23 in North Hollywood), streaming planned for February 2026 (Black History Month). Production Challenges Unexpected permit issues caused shutdowns. Tight 4-week shooting schedule due to budget constraints. Importance of leveraging relationships and calling in favors for casting and resources. Personal Connection Story inspired by Sauda’s own struggles with self-worth during college. Emphasizes therapy, faith, and support systems in overcoming self-doubt. Entrepreneurial Insight First project was self-financed; future plans include raising private equity for films. Goal: Maintain creative control while expanding opportunities for others. Impact & Audience Takeaway Encourages self-acceptance and repairing family relationships. Resonates with men on fatherhood and emotional presence. Highlights the underappreciated role of caretakers. Notable Quotes On purpose and passion:“My purpose is to help young people. My passion is this filmmaking business.” On self-love:“Love the skin you’re in is about total self-acceptance regardless of where you are on your journey.” On overcoming fear:“Film is unpredictable… I said, okay, the other fears—do it anyway.” On family relationships:“We are not promised tomorrow… Fix these family relationships if they’re possible to be fixed.” On entrepreneurial mindset:“I absolutely would like to use other people’s money… but keep creative control.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
16 Dec 32min
