This episode of Money Making Conversations with Rushion McDonald includes Darlene McCoy, gospel syndicated radio host of “The Nightly Spirit with Darlene McCoy”, Dave Anderson, his company, The Business Bully, LLC, helps hundreds of small businesses make smart decisions that lead to massive profits and growth and Santia Deck, is one of the largest social media "Fitness Influencers.” #AskMMCMoney Making Conversations is a weekly podcast hosted by Emmy Award winning TV producer and the Architect who developed the Steve Harvey Global Media Brand, Rushion McDonald. The show features one-on-one career advice to callers, contributions from corporate leaders, successful entrepreneurs, celebrity interviews regarding their business ventures, social media branding, financial planning and information to empower small businesses to a path of success!“The Kind of Talk that Inspires Change.”https://www.facebook.com/MoneyMakingConversations/https://www.iheart.com/podcast/53-Money-Making-Conversations-28341098/https://www.rushionmcdonald.com/https://www.facebook.com/rushionmcdonald/https://twitter.com/RushionMcDonaldhttps://www.instagram.com/rushionmcdonald/https://www.linkedin.com/in/rushionmcdonald
Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

This episode of Money Making Conversations with Rushion McDonald includes Darlene McCoy, gospel syndicated radio host of “The Nightly Spirit with Darlene McCoy”, Dave Anderson, his company, The Business Bully, LLC, helps hundreds of small businesses make smart decisions that lead to massive profits and growth and Santia Deck, is one of the largest social media "Fitness Influencers.” #AskMMCMoney Making Conversations is a weekly podcast hosted by Emmy Award winning TV producer and the Architect who developed the Steve Harvey Global Media Brand, Rushion McDonald. The show features one-on-one career advice to callers, contributions from corporate leaders, successful entrepreneurs, celebrity interviews regarding their business ventures, social media branding, financial planning and information to empower small businesses to a path of success!“The Kind of Talk that Inspires Change.”https://www.facebook.com/MoneyMakingConversations/https://www.iheart.com/podcast/53-Money-Making-Conversations-28341098/https://www.rushionmcdonald.com/https://www.facebook.com/rushionmcdonald/https://twitter.com/RushionMcDonaldhttps://www.instagram.com/rushionmcdonald/https://www.linkedin.com/in/rushionmcdonald Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Hi, this is Rushion McDonald. Welcome to the podcast world of Money Making Conversations Master Class. I interview profits and nonprofits to learn their "Secrets to Success."  I'm a former IBM Executive with a degree in Mathematics. I started my entrepreneurial career as a stand-up comic, then became a sitcom writer, award-winning baker, social media influencer, award-winning television Executive Producer, and brand architect for super-successful celebrities and products. Money Making Conversations Master Class interviews a diverse group of celebrities, entrepreneurs, and influencers in the financial and business community with their advice and tips so you can be successful, too. It's time to stop reading other people's success stories and start building your own. People always talk about their purpose or gifts. If you have a gift, Lead with your Gift, and don't let your friends, family, or co-workers stop you from planning or living your dream. Keep Winning!

https://www.moneymakingconversations.com

https://www.youtube.com/MoneyMakingConversations

https://www.facebook.com/MoneyMakingConversations/

https://twitter.com/moneymakingconv

https://www.instagram.com/moneymakingconversations/

Hi, this is Rushion McDonald. Welcome to the podcast world of Money Making Conversations Master Class. I interview profits and nonprofits to learn their "Secrets to Success."  I'm a former IBM Executive with a degree in Mathematics. I started my entrepreneurial career as a stand-up comic, then became a sitcom writer, award-winning baker, social media influencer, award-winning television Executive Producer, and brand architect for super-successful celebrities and products. Money Making Conversations Master Class interviews a diverse group of celebrities, entrepreneurs, and influencers in the financial and business community with their advice and tips so you can be successful, too. It's time to stop reading other people's success stories and start building your own. People always talk about their purpose or gifts. If you have a gift, Lead with your Gift, and don't let your friends, family, or co-workers stop you from planning or living your dream. Keep Winning!
https://www.moneymakingconversations.com
https://www.youtube.com/MoneyMakingConversations
https://www.facebook.com/MoneyMakingConversations/
https://twitter.com/moneymakingconv
https://www.instagram.com/moneymakingconversations/

Money Making Conversations Master Class

Start your day with laughs, love, and real talk from Steve Harvey and his hilarious crew Shirley Strawberry, Carla Ferrell, Nephew Tommy, and Junior on the #1 morning radio show in America. Prank calls, life advice, celebrity guests, and nonstop energy. Follow, favorite, and subscribe now so you never miss a moment!

Steve Harvey brings his unmatched charisma and wisdom to mornings across the country, mixing comedy, culture, and connection like no one else. Whether you need a laugh, a lift, or a little perspective, The Steve Harvey Morning Show delivers it all.

Join millions who tune in every day, and make Steve and the crew part of your morning routine!

Start your day with laughs, love, and real talk from Steve Harvey and his hilarious crew Shirley Strawberry, Carla Ferrell, Nephew Tommy, and Junior on the #1 morning radio show in America. Prank calls, life advice, celebrity guests, and nonstop energy.&nbsp;Follow, favorite, and subscribe now so you never miss a moment!
Steve Harvey brings his unmatched charisma and wisdom to mornings across the country, mixing comedy, culture, and connection like no one else. Whether you need a laugh, a lift, or a little perspective, The Steve Harvey Morning Show delivers it all.
Join millions who tune in every day, and make Steve and the crew part of your morning routine!

The Steve Harvey Morning Show

Darlene McCoy, Santia Deck & Dave Anderson aka the Business Bully

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/48ec8c56-6aa4-4999-8ac0-af6201814334/transcript

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Joaquin Wallace. 

🎯 Purpose of the Interview

To explore Dr. Wallace’s groundbreaking work in financial literacy, particularly his concept of the “financial genetic code”, and to promote his book Generational Wealth Begins with Generational Knowledge. The interview aims to empower marginalized communities with tools for financial healing, literacy, and long-term wealth building.

🗝️ Key Takeaways 1. Background & Recognition
Dr. Wallace is a recipient of the Wells Fargo Living History Makers Award.
Featured in the Contemporary Black Biography series.
Former college basketball coach and educator with a strong focus on discipline and mentorship.

2. Seven-Stage Generational Wealth Model

Outlined in his book, the model includes:
Internal/External Ecosystem – influences from family, community, and environment.
Financial Genetic Code – inherited financial narratives and behaviors.
Financial Healing – reprogramming harmful financial habits.
Financial Edification – literacy and inclusion.
Financial Well-being – stability and health.
Generational Knowledge – estate planning, insurance, long-term care.
Generational Wealth – successful transfer of assets.

“Without financial well-being, there is no generational wealth.”

3. Financial Genetic Code
A trademarked concept by Dr. Wallace.
Unlike DNA, it can be rewritten through education and therapy.
Influenced by early experiences, family habits, and community norms.
Examples include “scar tissue narratives” (trauma from past financial events).

4. Credit & Financial Literacy
Credit score is critical but misunderstood.
Utilization rate should be under 30%.
Payment history and inquiries significantly affect scores.
Many people are unaware of the difference between consumer scores and business scores.

5. Barriers to Financial Growth
Lack of trust in financial systems due to past trauma.
Misinformation passed down from family and community.
Zip codes and overleveraging can impact loan approvals.
Financial professionals may unknowingly transfer their own biases to clients.

6. Role of Financial Professionals

Dr. Wallace identifies five key roles:
Financial Educator
Financial Counselor
Financial Therapist
Financial Advisor
Financial Planner

He emphasizes matching individuals with the right professional based on their needs and emotional readiness.

7. Book Insights
Generational Wealth Begins with Generational Knowledge is an Amazon bestseller.
Includes self-assessments after each chapter.
Designed for both professionals and everyday readers.
Encourages readers to identify their financial stage and take actionable steps.

💬 Notable Quotes
“You are your credit score.”
“Inherited financial narratives create encoded financial behaviors.”
“Any answer sounds correct if you don’t ask the right question.”
“Consistency creates consistent outcomes.”
“Financial literacy is not the end-all—it’s just one piece of the puzzle.”
“We do what we know. If we don’t know, we just continue to do.”

📌 Final Thoughts

Dr. Joaquin Wallace offers a transformative framework for understanding and improving financial behavior, especially in underserved communities. His concept of the financial genetic code bridges psychology, education, and economics, making financial wellness more accessible and actionable.

#SHMS #STRAW #BEST

Listen and subscribe to Money Making Conversations on <a href="https://www.iheart.com/podcast/1119-money-making-conversation-28341098/" data-auth="NotApplicable" data-linkindex="0">iHeartRadio</a>,&nbsp;<a href="https://podcasts.apple.com/us/podcast/money-making-conversations-master-class/id1264705641" data-auth="NotApplicable" data-linkindex="1">Apple Podcasts</a>,&nbsp;<a href="https://open.spotify.com/show/3ABAQdTXqAnhGwxrsjFa5y" data-auth="NotApplicable" data-linkindex="2">Spotify</a>, <a href="http://www.moneymakingconversations.com/subscribe/">www.moneymakingconversations.com/subscribe/</a> or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.&nbsp; I want to alert you, so you don&rsquo;t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.&nbsp; Keep winning!
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Joaquin Wallace.&nbsp;
<hr>
🎯 Purpose of the Interview
To explore Dr. Wallace&rsquo;s groundbreaking work in financial literacy, particularly his concept of the &ldquo;financial genetic code&rdquo;, and to promote his book Generational Wealth Begins with Generational Knowledge. The interview aims to empower marginalized communities with tools for financial healing, literacy, and long-term wealth building.
<hr>
🗝️ Key Takeaways 1. Background &amp; Recognition
<ul>
<li>Dr. Wallace is a recipient of the Wells Fargo Living History Makers Award.</li>
<li>Featured in the Contemporary Black Biography series.</li>
<li>Former college basketball coach and educator with a strong focus on discipline and mentorship.</li>
</ul>
2. Seven-Stage Generational Wealth Model
Outlined in his book, the model includes:
<ol>
<li>Internal/External Ecosystem &ndash; influences from family, community, and environment.</li>
<li>Financial Genetic Code &ndash; inherited financial narratives and behaviors.</li>
<li>Financial Healing &ndash; reprogramming harmful financial habits.</li>
<li>Financial Edification &ndash; literacy and inclusion.</li>
<li>Financial Well-being &ndash; stability and health.</li>
<li>Generational Knowledge &ndash; estate planning, insurance, long-term care.</li>
<li>Generational Wealth &ndash; successful transfer of assets.</li>
</ol>
<blockquote>
&ldquo;Without financial well-being, there is no generational wealth.&rdquo;
</blockquote>
3. Financial Genetic Code
<ul>
<li>A trademarked concept by Dr. Wallace.</li>
<li>Unlike DNA, it can be rewritten through education and therapy.</li>
<li>Influenced by early experiences, family habits, and community norms.</li>
<li>Examples include &ldquo;scar tissue narratives&rdquo; (trauma from past financial events).</li>
</ul>
4. Credit &amp; Financial Literacy
<ul>
<li>Credit score is critical but misunderstood.</li>
<li>Utilization rate should be under 30%.</li>
<li>Payment history and inquiries significantly affect scores.</li>
<li>Many people are unaware of the difference between consumer scores and business scores.</li>
</ul>
5. Barriers to Financial Growth
<ul>
<li>Lack of trust in financial systems due to past trauma.</li>
<li>Misinformation passed down from family and community.</li>
<li>Zip codes and overleveraging can impact loan approvals.</li>
<li>Financial professionals may unknowingly transfer their own biases to clients.</li>
</ul>
6. Role of Financial Professionals
Dr. Wallace identifies five key roles:
<ul>
<li>Financial Educator</li>
<li>Financial Counselor</li>
<li>Financial Therapist</li>
<li>Financial Advisor</li>
<li>Financial Planner</li>
</ul>
He emphasizes matching individuals with the right professional based on their needs and emotional readiness.
7. Book Insights
<ul>
<li>Generational Wealth Begins with Generational Knowledge is an Amazon bestseller.</li>
<li>Includes self-assessments after each chapter.</li>
<li>Designed for both professionals and everyday readers.</li>
<li>Encourages readers to identify their financial stage and take actionable steps.</li>
</ul>
<hr>
💬 Notable Quotes
<ul>
<li>&ldquo;You are your credit score.&rdquo;</li>
<li>&ldquo;Inherited financial narratives create encoded financial behaviors.&rdquo;</li>
<li>&ldquo;Any answer sounds correct if you don&rsquo;t ask the right question.&rdquo;</li>
<li>&ldquo;Consistency creates consistent outcomes.&rdquo;</li>
<li>&ldquo;Financial literacy is not the end-all&mdash;it&rsquo;s just one piece of the puzzle.&rdquo;</li>
<li>&ldquo;We do what we know. If we don&rsquo;t know, we just continue to do.&rdquo;</li>
</ul>
<hr>
📌 Final Thoughts
Dr. Joaquin Wallace offers a transformative framework for understanding and improving financial behavior, especially in underserved communities. His concept of the financial genetic code bridges psychology, education, and economics, making financial wellness more accessible and actionable.
#SHMS #STRAW #BEST

Financial Tips: He discusses his new book Generational Wealth Begins with Generational Knowledge.

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/b4014610-5252-4fba-8d10-b3f60149a310/transcript

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

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

Titles: Real Estate Broker, Brokerage Owner, Entrepreneur
Host: Rushion McDonald
Podcast: Money Making Conversations Masterclass

Kimberly Kelly shares a deeply personal story of survival, resilience, and self-determination, tracing her journey from foster care and teen motherhood to becoming a real estate brokerage owner and business leader. The conversation highlights how mindset, faith, adaptability, and education can transform adversity into long-term success.

Purpose of the Interview

The interview is designed to:
Show what success really looks like, including the hardship behind it.
Inspire people facing extreme adversity—especially those from foster care, single-parent households, or teen parents.
Demonstrate nontraditional paths to success, beyond college-to-career pipelines.
Highlight entrepreneurship as a tool for control and stability, not perfection.
Encourage persistence, faith, and adaptability in business and life.

Key Themes & Takeaways 1. Resilience Formed Through Early Adversity
Kimberly was placed in foster care at a young age due to her mother’s substance abuse.
She helped raise her two younger brothers and fought to keep them together in foster care.
She became a teen mother at 15, and by 18 had two children while still caring for her siblings.

Takeaway: Responsibility and leadership can develop long before opportunity appears.

2. Faith, Positivity, and Survival Mode
Kimberly credits her positive mindset and faith—learned during foster care—as foundational.
Prayer and belief helped her endure instability, separation, and lack of support.
Survival mode gave her clarity: failure was not an option.

Key insight: Faith doesn’t remove hardship—but it provides grounding when control is limited.

3. Education as a Turning Point, Not a Straight Line
She returned to complete her high school diploma as a young mother.
She took advantage of teen workshops, government programs, and training opportunities.
Kimberly earned a technical degree in electronics engineering, entering the IT world before later pivoting.

Takeaway: Education can be layered, nonlinear, and still powerful.

4. Choosing Entrepreneurship and Real Estate
Kimberly entered real estate with a mission to educate and empower first-time homebuyers, especially those from backgrounds like hers.
She later became a licensed real estate broker and opened her own brokerage.
She currently leads a small, relationship‑driven brokerage with six agents.

Core belief: Ownership creates options—and leadership multiplies impact.

5. A Relationship-Based Business Model
Her brokerage focuses on:

One-on-one agent training
Hands-on mentorship
Personalized marketing strategies
Kimberly intentionally avoids a corporate-style model to prioritize growth, trust, and accountability.

Key takeaway: Culture and connection matter more than size, especially early on.

6. Adaptability as a Business Strategy
During market changes (including COVID), Kimberly expanded into:

Property preservation
Repair, inspections, and asset management services
She co-owns multiple businesses with her husband, spreading risk and stabilizing income.

Lesson: The ability to pivot often determines long-term survival in business.

7. Refusing to Accept Limiting Narratives
Kimberly rejects the idea that her background should define her ceiling.
She emphasizes self-talk, belief, and forward motion—even without a support system.
Her story challenges stereotypes about:

Foster youth
Teen mothers
Single Black women in business
Nontraditional entrepreneurs

Takeaway: Your starting point does not determine your finish.

Notable Quotes

“I always lived in survival mode—failure was never an option.”

“I had to raise myself, so I had to believe in myself.”

“If I did it from where I came from, I promise you—you can do it too.”

“Always stay adaptable. The market changes, so you change with it.”

“Put one foot in front of the other, even when it feels like the world is caving in.”

“Success was never something I thought I couldn’t have—I just had to figure out my path.”

Overall Impact

Kimberly Kelly’s interview is a testament to perseverance without privilege. It reframes success as a product of:
Relentless forward motion
Learning wherever possible
Faith and internal motivation
Ownership, adaptability, and leadership

Her story resonates most powerfully with listeners who have been told—directly or indirectly—that their circumstances disqualify them from success.

Final message: There are no excuses left after hearing this story—only choices.

#SHMS #BEST #STRAW

Listen and subscribe to Money Making Conversations on <a href="https://www.iheart.com/podcast/1119-money-making-conversation-28341098/" data-auth="NotApplicable" data-linkindex="0">iHeartRadio</a>,&nbsp;<a href="https://podcasts.apple.com/us/podcast/money-making-conversations-master-class/id1264705641" data-auth="NotApplicable" data-linkindex="1">Apple Podcasts</a>,&nbsp;<a href="https://open.spotify.com/show/3ABAQdTXqAnhGwxrsjFa5y" data-auth="NotApplicable" data-linkindex="2">Spotify</a>, <a href="http://www.moneymakingconversations.com/subscribe/">www.moneymakingconversations.com/subscribe/</a> or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.&nbsp; I want to alert you, so you don&rsquo;t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.&nbsp; Keep winning!
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kimberly Kelly.
Titles: Real Estate Broker, Brokerage Owner, Entrepreneur Host: Rushion McDonald Podcast: Money Making Conversations Masterclass
Kimberly Kelly shares a deeply personal story of survival, resilience, and self-determination, tracing her journey from foster care and teen motherhood to becoming a real estate brokerage owner and business leader. The conversation highlights how mindset, faith, adaptability, and education can transform adversity into long-term success.
<hr>
Purpose of the Interview
The interview is designed to:
<ol>
<li>Show what success really looks like, including the hardship behind it.</li>
<li>Inspire people facing extreme adversity&mdash;especially those from foster care, single-parent households, or teen parents.</li>
<li>Demonstrate nontraditional paths to success, beyond college-to-career pipelines.</li>
<li>Highlight entrepreneurship as a tool for control and stability, not perfection.</li>
<li>Encourage persistence, faith, and adaptability in business and life.</li>
</ol>
<hr>
Key Themes &amp; Takeaways 1. Resilience Formed Through Early Adversity
<ul>
<li>Kimberly was placed in foster care at a young age due to her mother&rsquo;s substance abuse.</li>
<li>She helped raise her two younger brothers and fought to keep them together in foster care.</li>
<li>She became a teen mother at 15, and by 18 had two children while still caring for her siblings.</li>
</ul>
Takeaway: Responsibility and leadership can develop long before opportunity appears.
<hr>
2. Faith, Positivity, and Survival Mode
<ul>
<li>Kimberly credits her positive mindset and faith&mdash;learned during foster care&mdash;as foundational.</li>
<li>Prayer and belief helped her endure instability, separation, and lack of support.</li>
<li>Survival mode gave her clarity: failure was not an option.</li>
</ul>
Key insight: Faith doesn&rsquo;t remove hardship&mdash;but it provides grounding when control is limited.
<hr>
3. Education as a Turning Point, Not a Straight Line
<ul>
<li>She returned to complete her high school diploma as a young mother.</li>
<li>She took advantage of teen workshops, government programs, and training opportunities.</li>
<li>Kimberly earned a technical degree in electronics engineering, entering the IT world before later pivoting.</li>
</ul>
Takeaway: Education can be layered, nonlinear, and still powerful.
<hr>
4. Choosing Entrepreneurship and Real Estate
<ul>
<li>Kimberly entered real estate with a mission to educate and empower first-time homebuyers, especially those from backgrounds like hers.</li>
<li>She later became a licensed real estate broker and opened her own brokerage.</li>
<li>She currently leads a small, relationship‑driven brokerage with six agents.</li>
</ul>
Core belief: Ownership creates options&mdash;and leadership multiplies impact.
<hr>
5. A Relationship-Based Business Model
<ul>
<li>Her brokerage focuses on:
<ul>
<li>One-on-one agent training</li>
<li>Hands-on mentorship</li>
<li>Personalized marketing strategies</li>
</ul>
</li>
<li>Kimberly intentionally avoids a corporate-style model to prioritize growth, trust, and accountability.</li>
</ul>
Key takeaway: Culture and connection matter more than size, especially early on.
<hr>
6. Adaptability as a Business Strategy
<ul>
<li>During market changes (including COVID), Kimberly expanded into:
<ul>
<li>Property preservation</li>
<li>Repair, inspections, and asset management services</li>
</ul>
</li>
<li>She co-owns multiple businesses with her husband, spreading risk and stabilizing income.</li>
</ul>
Lesson: The ability to pivot often determines long-term survival in business.
<hr>
7. Refusing to Accept Limiting Narratives
<ul>
<li>Kimberly rejects the idea that her background should define her ceiling.</li>
<li>She emphasizes self-talk, belief, and forward motion&mdash;even without a support system.</li>
<li>Her story challenges stereotypes about:
<ul>
<li>Foster youth</li>
<li>Teen mothers</li>
<li>Single Black women in business</li>
<li>Nontraditional entrepreneurs</li>
</ul>
</li>
</ul>
Takeaway: Your starting point does not determine your finish.
<hr>
Notable Quotes
<blockquote>
&ldquo;I always lived in survival mode&mdash;failure was never an option.&rdquo;
</blockquote>
<blockquote>
&ldquo;I had to raise myself, so I had to believe in myself.&rdquo;
</blockquote>
<blockquote>
&ldquo;If I did it from where I came from, I promise you&mdash;you can do it too.&rdquo;
</blockquote>
<blockquote>
&ldquo;Always stay adaptable. The market changes, so you change with it.&rdquo;
</blockquote>
<blockquote>
&ldquo;Put one foot in front of the other, even when it feels like the world is caving in.&rdquo;
</blockquote>
<blockquote>
&ldquo;Success was never something I thought I couldn&rsquo;t have&mdash;I just had to figure out my path.&rdquo;
</blockquote>
<hr>
Overall Impact
Kimberly Kelly&rsquo;s interview is a testament to perseverance without privilege. It reframes success as a product of:
<ul>
<li>Relentless forward motion</li>
<li>Learning wherever possible</li>
<li>Faith and internal motivation</li>
<li>Ownership, adaptability, and leadership</li>
</ul>
Her story resonates most powerfully with listeners who have been told&mdash;directly or indirectly&mdash;that their circumstances disqualify them from success.
Final message: There are no excuses left after hearing this story&mdash;only choices.
<hr>
#SHMS #BEST #STRAW

Uplift:  Shares her story of survival, and resilience, tracing her journey from foster care and teen motherhood.

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/6e1e0418-22a9-4a57-a737-b41d00b09432/transcript

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

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

Purpose of the Interview

The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital.

Key Takeaways


Funding Opportunities & Qualifications
Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding.
Basic qualifications include:

Credit score of 680+
Existing credit lines (at least $10,000)
A clear business mission and low-risk profile.


Avoiding Scams
Beware of unsolicited emails/texts promising easy money.
Do your homework:

Check companies on Better Business Bureau (BBB).
Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express).
Never share sensitive information without verifying legitimacy.


Importance of a Business Plan
Funding is not free money—you need a strategic plan.
Katrina calls it a “money mission”: know exactly how funds will be deployed.
Without a plan, money disappears quickly, leading to debt and bad credit.


Family & Friends Lending
Treat personal loans like business loans:

Have written agreements with terms, repayment schedule, and penalties.
Decide upfront if it’s a gift or a loan.


Services Offered by New Day for You Financial
SBA loans, equipment loans, purchase order financing.
Lines of credit and 0% interest credit cards (18–21 months).
Credit card stacking for higher funding amounts.
Credit restoration referrals for those with poor credit.


Success Story
Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan.

Notable Quotes
“If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.”
“We don’t want to be out here racking up good debt and then you’re not going to be responsible.”
“You have to vet companies. Go to BBB, Google them, and check their credibility.”
“If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.”
“We say if you don’t get anything, we don’t get paid.”

#SHMS #STRAW #BEST

Listen and subscribe to Money Making Conversations on <a href="https://www.iheart.com/podcast/1119-money-making-conversation-28341098/" data-auth="NotApplicable" data-linkindex="0">iHeartRadio</a>,&nbsp;<a href="https://podcasts.apple.com/us/podcast/money-making-conversations-master-class/id1264705641" data-auth="NotApplicable" data-linkindex="1">Apple Podcasts</a>,&nbsp;<a href="https://open.spotify.com/show/3ABAQdTXqAnhGwxrsjFa5y" data-auth="NotApplicable" data-linkindex="2">Spotify</a>, <a href="http://www.moneymakingconversations.com/subscribe/">www.moneymakingconversations.com/subscribe/</a> or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.&nbsp; I want to alert you, so you don&rsquo;t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.&nbsp; Keep winning!
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed&nbsp;Katrina Fitten.
<hr>
Purpose of the Interview
The interview aims to educate entrepreneurs&mdash;especially women business owners&mdash;on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten&rsquo;s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital.
<hr>
Key Takeaways
<ol>
<li>
Funding Opportunities &amp; Qualifications
<ul>
<li>Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding.</li>
<li>Basic qualifications include:
<ul>
<li>Credit score of 680+</li>
<li>Existing credit lines (at least $10,000)</li>
<li>A clear business mission and low-risk profile.</li>
</ul>
</li>
</ul>
</li>
<li>
Avoiding Scams
<ul>
<li>Beware of unsolicited emails/texts promising easy money.</li>
<li>Do your homework:
<ul>
<li>Check companies on Better Business Bureau (BBB).</li>
<li>Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express).</li>
</ul>
</li>
<li>Never share sensitive information without verifying legitimacy.</li>
</ul>
</li>
<li>
Importance of a Business Plan
<ul>
<li>Funding is not free money&mdash;you need a strategic plan.</li>
<li>Katrina calls it a &ldquo;money mission&rdquo;: know exactly how funds will be deployed.</li>
<li>Without a plan, money disappears quickly, leading to debt and bad credit.</li>
</ul>
</li>
<li>
Family &amp; Friends Lending
<ul>
<li>Treat personal loans like business loans:
<ul>
<li>Have written agreements with terms, repayment schedule, and penalties.</li>
<li>Decide upfront if it&rsquo;s a gift or a loan.</li>
</ul>
</li>
</ul>
</li>
<li>
Services Offered by New Day for You Financial
<ul>
<li>SBA loans, equipment loans, purchase order financing.</li>
<li>Lines of credit and 0% interest credit cards (18&ndash;21 months).</li>
<li>Credit card stacking for higher funding amounts.</li>
<li>Credit restoration referrals for those with poor credit.</li>
</ul>
</li>
<li>
Success Story
<ul>
<li>Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan.</li>
</ul>
</li>
</ol>
<hr>
Notable Quotes
<ul>
<li>&ldquo;If you don&rsquo;t have a plan for your money, your money will have a plan&mdash;and you&rsquo;ll look up and it&rsquo;s gone.&rdquo;</li>
<li>&ldquo;We don&rsquo;t want to be out here racking up good debt and then you&rsquo;re not going to be responsible.&rdquo;</li>
<li>&ldquo;You have to vet companies. Go to BBB, Google them, and check their credibility.&rdquo;</li>
<li>&ldquo;If I give you money, I decide&mdash;is it a gift or a loan? There are rules to borrowing money.&rdquo;</li>
<li>&ldquo;We say if you don&rsquo;t get anything, we don&rsquo;t get paid.&rdquo;</li>
</ul>
<hr>
#SHMS #STRAW #BEST

Business Tips:  educates business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. 

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/1b9e0f62-d8fc-4bea-b1a2-b3f400e8450b/transcript

Darlene McCoy, Santia Deck & Dave Anderson aka the Business Bully

In 2 playlist(s)

Money Making Conversations Master Class

Social links

Follow podcast

Recent clips