Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Josh Jalinski.

Host of The Financial Quarterback radio show, joins Money Making Conversations Masterclass to discuss financial security, Social Security misconceptions, inflation, compound interest, and health insurance. Recognized by Forbes as one of America’s top financial security professionals, he provides expert insights into wealth-building strategies.

🔑 Key Themes & Highlights

1. Social Security & Retirement Myths

   • Many Americans mistakenly believe Social Security alone will provide a comfortable retirement.
   • Josh explains how previous generations lived on Social Security because they had paid-off homes and lower living expenses, but today’s economic climate makes that unrealistic.

2. Inflation & Its Effects

   • Inflation occurs when too much money chases too few goods, causing price increases.
   • Covid stimulus packages contributed to rising costs as large amounts of money entered circulation.
   • Everyday consumers feel inflation in higher grocery prices, shrinking product sizes (shrinkflation), and increased gas costs.

3. Understanding Compound Interest

   • Compound interest is a powerful wealth-building tool that allows money to grow exponentially over time.
   • Many financial advisors focus on stocks and investments but fail to educate clients on the importance of long-term compounding without interruptions.
   • Josh emphasizes the Rule of 72, explaining how money doubles based on the interest rate earned.

4. Choosing the Right Financial Advisor

   • A strong advisor should educate clients on key financial principles, not just offer investment options like conservative, moderate, or aggressive portfolios.
   • The real key to wealth is understanding compounding and ensuring investments grow steadily over time.

5. Health Insurance Challenges

   • Rising health insurance costs are forcing companies to drop coverage and restructure their plans.
   • Josh suggests a two-tier system where private insurers handle healthy individuals while the government provides expanded Medicaid for those with higher risks.

📘 Resources & Contact Information
Josh Jalinski’s financial insights are available via:
🔗 Podcast: The Financial Quarterback (Spotify)
🔗 Website: FinancialQuarterback.com

#BEST

#STRAW

#SHMS

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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams.

Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

🔑 Key Themes & Takeaways 1. OneUnited Bank’s Mission & Reach

• Formed by merging four Black-owned banks in Boston, Miami, and Los Angeles.
• First Black-owned digital bank (since 2005).
• Serves customers in all 50 states.
• Offers accessible, affordable financial services and promotes financial literacy.

2. Digital Banking for Underserved Communities

• OneUnited provides:
  • Mobile check deposit (via smartphone).
  • Early direct deposit (get paid 2 days early).
  • Access to 100,000+ surcharge-free ATMs (including Walgreens, 7-Eleven, Chase, Citibank).
• Designed to combat financial deserts and predatory check-cashing services in Black communities.

3. Financial Literacy & Trust

• Teri emphasizes the need for Black communities to trust Black-owned institutions.
• OneUnited is FDIC-insured and uses cutting-edge technology, including AI.
• Financial literacy is key to building generational wealth.

4. WiseOne AI Tool

• An AI-powered financial assistant that:
  • Tracks spending and subscriptions.
  • Offers insights on saving and debt reduction.
  • Aggregates data from multiple accounts to show net worth, cash flow, and financial health.

5. Youth Financial Literacy – “I Got Bank” Contest

• 15th annual contest for kids ages 8–12.
• Participants submit an essay or artwork based on a financial literacy book.
• Ten winners receive $1,000 savings accounts.
• Book: I Got Bank by Teri Williams (available free at oneunited.com/book).

6. OneTransaction Concept

• Focuses on six key financial transactions to build generational wealth:
  1. Homeownership
  2. Life Insurance
  3. Investments
  4. Profitable Business
  5. Credit Score
  6. Savings
• Encourages individuals to focus on just one to start their wealth-building journey.
• Learn more: oneunited.com/onetransaction

💬 Notable Quotes

• “We are a real bank, not a fintech. We are FDIC-insured.”
• “We are great with money. We just haven’t always had access.”
• “Focus on one transaction. That’s all it takes to start building generational wealth.”

#SHMS #STRAW #BEST #AMI

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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Monique Strong.

President of the Atlanta Chapter of the National Association of Black Women in Construction (NABWIC). Here's a breakdown of the key highlights and takeaways:

🔑 Key Themes & Takeaways 1. Breaking Barriers in Construction

• Monique Strong is a trailblazer in a traditionally male-dominated and white-dominated industry.
• She leads NABWIC’s Atlanta chapter, advocating for leadership, equity, and professional development for Black women in construction.

2. What “Construction” Really Means

• Construction isn’t just hard hats and manual labor—it includes:
  • General contracting
  • Project management
  • Estimating
  • Safety coordination
  • Architecture and engineering
  • Business ownership and development

3. Legacy and Inspiration

• Monique’s passion for construction was inspired by her grandfathers and her grandmother, who helped build the home she grew up in.
• Her journey includes a degree in engineering from Clark Atlanta University and further training in construction management.

4. Challenges and Triumphs

• Faced skepticism from family and industry peers.
• Overcame stereotypes and isolation as a young Black woman in construction.
• Emphasizes the importance of knowing who you are and embracing your identity as a woman in the field.

5. The Power of Mentorship and Community

• NABWIC provides a supportive network for women at all stages of their construction careers.
• Weekly calls, mentorship, and shared resources help members grow and succeed.

6. Why Diversity in Construction Matters

• Diversity reflects the makeup of the country and brings innovation and detail-oriented excellence to the field.
• Inclusion in leadership and contracting opportunities is essential for equity and community development.

💬 Notable Quotes

• “You don’t have to be hard. You just have to be hungry.”
• “We are the unicorns people are looking for.”
• “I like to take something that’s nothing and make it something.”

🎯 Advice for Women in Construction

• Get involved with a community like NABWIC that supports your growth.
• Seek mentorship from women at all stages—beginning, middle, and end of their careers.
• Embrace your uniqueness and use it to lead and innovate.

#SHMS #STRAW #BEST #AMI

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The Steve Harvey Morning Show for Friday, July 4th, 2025: Steve Harvey's Morning Inspiration | Show Open - Steve Harvey's Bathing Routine | Run That Prank Back: "You Have A Warrant" | Ask The CLO | A Steve Harvey Morning Show Road Trip | Would You Rather | Childhood Summer Games | Nephew Tommy's Prank - "Can You Breastfeed My Baby?" | Strawberry Letter - "She's Too Phony & Bony Now" | Breaking Up On Vacation | Social Media Advice | Steve Harvey's Voicemail | Would You Rather | Steve Harvey's Closing Remarks

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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Fears.

First Vice President and Financial Advisor at Morgan Stanley. She leads The Fears Group, a wealth management team specializing in alternative investments, retirement planning, and financial education.

🔑 Key Themes & Highlights

Building a Legacy Through Family Business

• Fears built a family practice at Morgan Stanley with her two daughters.
• She emphasized the importance of generational wealth and passing financial knowledge down.

Financial Education & Wealth Management

• Many in the Black community lack access to financial education, leading to lost wealth.
• Fears stressed that financial literacy is available to everyone, not just those with advanced degrees.

High-Yield Savings & Investment Strategies

• Traditional banks offer low interest rates, while Morgan Stanley’s Preferred Savings Program provides 4.6% on cash deposits.
• She explained how banks use deposited money for overnight lending, profiting more than account holders.

Power of Compound Interest

• Fears illustrated how starting early leads to significantly higher returns over time.
• She compared two individuals saving at different ages, showing how early investment grows exponentially.

529 Plans & Roth IRAs for College Savings

• A 529 plan helps families save for college, and unused funds can be rolled into a Roth IRA.
• Roth IRAs allow tax-free growth, making them a powerful tool for long-term wealth building.

Name, Image & Likeness (NIL) Financial Planning

• Young athletes earning NIL money need financial education to manage their earnings wisely.
• The Fears Group provides guidance for athletes and their families to ensure long-term financial stability.

📘 About Sonia Fears
Sonia Fears is a leading financial expert specializing in stocks, savings programs, compounded interest portfolios, and lines of credit. She has over 17 years of experience in wealth management, previously working at Merrill Lynch before joining Morgan Stanley.

She is a Global Sports & Entertainment Director, helping clients in sports, entertainment, and business navigate financial success.

#AMI

#BEST

#STRAW

#SHMS

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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Audreanna Ayala.

🎙️ Episode Summary

She shares her inspiring journey from corporate finance professional to creative entrepreneur and founder of Ayala Balloon Events. Specializing in balloon décor and modern bounce house rentals, she has carved a niche in gender reveal events, blending artistry, family inspiration, and business savvy to create unforgettable experiences.

🔑 Key Points 👩‍💼 Background & Business Launch

• Works full-time in financial services while building her balloon décor business.
• Started in 2018 after becoming a mother and wanting to create unique party experiences for her children.
• Learned balloon artistry through Pinterest inspiration and formal balloon décor classes.

“I’m an artist—a balloon décor artist—not a balloon twister.”

🎈 Business Focus: Balloon Décor & Bounce Houses

• Offers custom balloon installations for weddings, birthdays, and corporate events.
• Provides modern bounce house rentals—elegant, white, and photo-friendly for adult events like bridal showers.
• Known for gender reveal setups with fireworks, detonators, and personalized backdrops.

“I’m creating core memories for every event in your life.”

💡 Creative Process & Client Experience

• Clients often bring inspiration photos, which she adapts with her own artistic flair.
• Emphasizes originality and refuses to replicate others’ designs exactly.
• Offers consultation, setup, and follow-up to ensure satisfaction.

“I want people to know me for my technique—not someone else’s.”

📣 Marketing & Branding

• Promotes primarily through Instagram, showcasing videos, stories, and behind-the-scenes content.
• Leverages her identity as a mother and perfectionist to connect with clients emotionally.

“I know what it’s like to be a mom. I want everything to be perfect.”

🚩 Challenges & Pain Points

• Corporate Events: Time constraints and setup logistics.
• Gender Reveals: Ensuring the correct gender color and managing firework safety.
• Last-Minute Changes: Accommodated when possible, but with additional fees.

“I don’t wear pink or blue to gender reveals—I stay neutral so I don’t give anything away.”

💰 Pricing & Operations

• Prices based on:
  • Materials and equipment
  • Labor and setup time
  • Insurance and safety
  • Additional staff for large events
• Emphasizes the importance of insurance and safety protocols, especially for fireworks and bounce houses.

🚀 Vision & Expansion

• Plans to expand gender reveal services beyond Georgia.
• Inspired by trends in Miami and aims to become a national leader in gender reveal experiences.
• Encouraged by Rushion to own her niche and market herself as the go-to expert.

“You are the queen of gender reveals. Own it.” — Rashawn McDonald

📌 Quotes to Highlight

• “Life doesn’t always go in order, but we can still create core memories.”
• “I’m not in the business of replicating someone else’s art.”
• “I want to be at the head of the gender reveal movement.”

#SHMS #STRAW #BEST

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The Steve Harvey Morning Show for Thursday, July 3rd, 2025: Steve Harvey's Morning Inspiration | Show Open - Blind Date Story | Run That Prank Back: "You Gotta Show Your Butt" | Ask The CLO | Diddy Verdict Discussion Pt. 1 | Diddy Verdict Discussion Pt. 2 | Diddy Verdict Discussion Pt. 3 | Nephew Tommy's Prank - "You Have A Warrant" | Strawberry Letter - "My Neighbor's T-Shirt In Our Garage" | Summer Rules From Childhood | Best BBQ Cities | PayPal | Would You Rather | Steve Harvey's Closing Remarks

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The Steve Harvey Morning Show for Wednesday, July 2nd, 2025: Steve Harvey's Morning Inspiration | Show Open - Give Yourself Credit | Run That Prank Back: "PSC - Prostate Checker" | Ask The CLO | Tommy's Cookout & The Lizard Story | Would You Rather | Steve Harvey's Breakup Handbook | Nephew Tommy's Prank - "You Gotta Show Your Butt" | Strawberry Letter - "She's Got One More Time" | Steve Harvey's Voicemail | Social Media Advice | The Ideal Thermostat Setting For Summer | Would You Rather | Steve Harvey's Closing Remarks

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