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

A certified financial planner and author of Women and Wealth.

---

1. Guest Introduction: Cary Carbonaro

• Certified Financial Planner with 25+ years of experience.
• Leads a multimillion-dollar financial planning practice.
• Focuses on empowering women and increasing financial literacy.
• Promoting her second book: Women and Wealth.

---

2. Why Cary Wrote the Book

• To share her 25 years of experience working with women.
• To address the lack of female-friendly practices in the financial industry.
• Key stat:

“By 2030, women will control two-thirds of the nation’s wealth—$30 trillion.”

---

4. Challenges in the Financial Industry

• Industry built by men, for men.
• Not ready for the shift in wealth ownership to women.
• Harvard Business Review (2009):

“Financial services is the least sympathetic to women and has the most to gain if they get it right.”

---

5. Financial Planning Philosophy

• Everyone deserves a financial plan.
• Quote:

“If you fail to plan, you plan to fail.”

• Financial planning includes:
  • Risk management
  • Cash flow
  • Tax strategy
  • Investments
  • Retirement
  • Estate planning

---

6. Making the Industry Female-Friendly

• Women often leave their financial advisors after a spouse dies (80% of the time).
• Reasons: lack of connection, poor communication, feeling ignored.
• Not a DEI issue, but a dollars and cents issue:

“What other industry would ignore a $30 trillion opportunity?”

---

7. Stereotypes and Societal Expectations

• Women face pressure to look attractive in professional settings.
• Stereotypes persist in media and even in AI-generated images.
• Example: AI generated a man when asked for an image of a financial planner with long hair.

---

8. Cary’s Personal Journey

• Inspired by her father, a JPMorgan Chase executive.
• Grew up learning about money and finance.
• Built her business by focusing on women, not traditional male-dominated marketing.
• Quote:

“Money equals power, and women need more of both.”

---

9. The Wealth Gap

• Beyond the wage gap, the wealth gap is driven by caregiving responsibilities.
• Termed the “good daughter/spouse penalty.”
• Lifetime cost to women: $1 million.

---

10. Call to Action

• Women should seek financial literacy and independence.
• Encourage planning before crisis hits.
• Quote:

“Wealth gives you choices in life.”

---

📌 Key Quotes & Highlights

• “If you don’t start dreaming about what you want today, you will not get it tomorrow.”
• “By 2030, women will control $30 trillion in wealth.”
• “The industry was built by men, for men. But the clients are changing.”
• “Money equals power, and women need more of both.”
• “The wealth gap is

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

A financial coach specializing in wealth-building, shares his insights on personal finance, real estate investing, and financial independence. He discusses his journey, strategies for managing wealth, and the importance of financial literacy.

🔑 Key Themes & Highlights

1. His Financial Journey
• Started his financial journey by investing in real estate, acquiring his first duplex.
• Built a portfolio using financial strategies, later facing setbacks like Hurricane Katrina and the 2008 real estate crash.
2. Understanding Financial Stratospheres
• Defines different financial stages: failure, stability, growth, and independence.
• Emphasizes the need for strong financial foundations before pursuing major investments.
3. Infinite Banking Concept
• Explains how individuals can become their own financial gatekeepers rather than relying on banks.
• Encourages strategic financial planning to control one's money flow.
4. Middle-Income Struggles
• Discusses financial challenges middle-income individuals face, including debt accumulation and limited savings.
• Offers strategies for breaking free from debt and building long-term wealth.
5. Financial Coaching and Mentorship
• Stresses the importance of financial education, mentorship, and strategic planning.
• Encourages individuals to seek guidance and accountability in their financial journey.

📘 About His Financial Coaching
Brother Mujahid Muhammad provides coaching and financial strategies to help individuals build wealth. He specializes in real estate investing, insurance, and personal finance education.

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

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

A certified financial planner and author of Women and Wealth.

---

1. Guest Introduction: Cary Carbonaro

• Certified Financial Planner with 25+ years of experience.
• Leads a multimillion-dollar financial planning practice.
• Focuses on empowering women and increasing financial literacy.
• Promoting her second book: Women and Wealth.

---

2. Why Cary Wrote the Book

• To share her 25 years of experience working with women.
• To address the lack of female-friendly practices in the financial industry.
• Key stat:

“By 2030, women will control two-thirds of the nation’s wealth—$30 trillion.”

---

4. Challenges in the Financial Industry

• Industry built by men, for men.
• Not ready for the shift in wealth ownership to women.
• Harvard Business Review (2009):

“Financial services is the least sympathetic to women and has the most to gain if they get it right.”

---

5. Financial Planning Philosophy

• Everyone deserves a financial plan.
• Quote:

“If you fail to plan, you plan to fail.”

• Financial planning includes:
  • Risk management
  • Cash flow
  • Tax strategy
  • Investments
  • Retirement
  • Estate planning

---

6. Making the Industry Female-Friendly

• Women often leave their financial advisors after a spouse dies (80% of the time).
• Reasons: lack of connection, poor communication, feeling ignored.
• Not a DEI issue, but a dollars and cents issue:

“What other industry would ignore a $30 trillion opportunity?”

---

7. Stereotypes and Societal Expectations

• Women face pressure to look attractive in professional settings.
• Stereotypes persist in media and even in AI-generated images.
• Example: AI generated a man when asked for an image of a financial planner with long hair.

---

8. Cary’s Personal Journey

• Inspired by her father, a JPMorgan Chase executive.
• Grew up learning about money and finance.
• Built her business by focusing on women, not traditional male-dominated marketing.
• Quote:

“Money equals power, and women need more of both.”

---

9. The Wealth Gap

• Beyond the wage gap, the wealth gap is driven by caregiving responsibilities.
• Termed the “good daughter/spouse penalty.”
• Lifetime cost to women: $1 million.

---

10. Call to Action

• Women should seek financial literacy and independence.
• Encourage planning before crisis hits.
• Quote:

“Wealth gives you choices in life.”

---

📌 Key Quotes & Highlights

• “If you don’t start dreaming about what you want today, you will not get it tomorrow.”
• “By 2030, women will control $30 trillion in wealth.”
• “The industry was built by men, for men. But the clients are changing.”
• “Money equals power, and women need more of both.”
• “The wealth gap is

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

A financial coach specializing in wealth-building, shares his insights on personal finance, real estate investing, and financial independence. He discusses his journey, strategies for managing wealth, and the importance of financial literacy.

🔑 Key Themes & Highlights

1. His Financial Journey
• Started his financial journey by investing in real estate, acquiring his first duplex.
• Built a portfolio using financial strategies, later facing setbacks like Hurricane Katrina and the 2008 real estate crash.
2. Understanding Financial Stratospheres
• Defines different financial stages: failure, stability, growth, and independence.
• Emphasizes the need for strong financial foundations before pursuing major investments.
3. Infinite Banking Concept
• Explains how individuals can become their own financial gatekeepers rather than relying on banks.
• Encourages strategic financial planning to control one's money flow.
4. Middle-Income Struggles
• Discusses financial challenges middle-income individuals face, including debt accumulation and limited savings.
• Offers strategies for breaking free from debt and building long-term wealth.
5. Financial Coaching and Mentorship
• Stresses the importance of financial education, mentorship, and strategic planning.
• Encourages individuals to seek guidance and accountability in their financial journey.

📘 About His Financial Coaching
Brother Mujahid Muhammad provides coaching and financial strategies to help individuals build wealth. He specializes in real estate investing, insurance, and personal finance education.

#SHMS #STRAW #BEST

See omnystudio.com/listener for privacy information.

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

A certified financial planner and author of Women and Wealth.

---

1. Guest Introduction: Cary Carbonaro

• Certified Financial Planner with 25+ years of experience.
• Leads a multimillion-dollar financial planning practice.
• Focuses on empowering women and increasing financial literacy.
• Promoting her second book: Women and Wealth.

---

2. Why Cary Wrote the Book

• To share her 25 years of experience working with women.
• To address the lack of female-friendly practices in the financial industry.
• Key stat:

“By 2030, women will control two-thirds of the nation’s wealth—$30 trillion.”

---

4. Challenges in the Financial Industry

• Industry built by men, for men.
• Not ready for the shift in wealth ownership to women.
• Harvard Business Review (2009):

“Financial services is the least sympathetic to women and has the most to gain if they get it right.”

---

5. Financial Planning Philosophy

• Everyone deserves a financial plan.
• Quote:

“If you fail to plan, you plan to fail.”

• Financial planning includes:
  • Risk management
  • Cash flow
  • Tax strategy
  • Investments
  • Retirement
  • Estate planning

---

6. Making the Industry Female-Friendly

• Women often leave their financial advisors after a spouse dies (80% of the time).
• Reasons: lack of connection, poor communication, feeling ignored.
• Not a DEI issue, but a dollars and cents issue:

“What other industry would ignore a $30 trillion opportunity?”

---

7. Stereotypes and Societal Expectations

• Women face pressure to look attractive in professional settings.
• Stereotypes persist in media and even in AI-generated images.
• Example: AI generated a man when asked for an image of a financial planner with long hair.

---

8. Cary’s Personal Journey

• Inspired by her father, a JPMorgan Chase executive.
• Grew up learning about money and finance.
• Built her business by focusing on women, not traditional male-dominated marketing.
• Quote:

“Money equals power, and women need more of both.”

---

9. The Wealth Gap

• Beyond the wage gap, the wealth gap is driven by caregiving responsibilities.
• Termed the “good daughter/spouse penalty.”
• Lifetime cost to women: $1 million.

---

10. Call to Action

• Women should seek financial literacy and independence.
• Encourage planning before crisis hits.
• Quote:

“Wealth gives you choices in life.”

---

📌 Key Quotes & Highlights

• “If you don’t start dreaming about what you want today, you will not get it tomorrow.”
• “By 2030, women will control $30 trillion in wealth.”
• “The industry was built by men, for men. But the clients are changing.”
• “Money equals power, and women need more of both.”
• “The wealth gap is

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

Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

---

🔑 Key Themes and Takeaways: 💼 About Dr. Leketa Hawkins

• Founder of PocketbookStrategies.com, which offers financial literacy programs, tools, and resources.
• Also runs Hawdleigh.com, a platform for financial education courses and templates.
• Her mission is to provide low-cost or no-cost financial education to underserved communities.

---

💡 Financial Literacy & Upbringing

• Like many, Leketa grew up in a household where money was not discussed—a common cultural norm that left many unprepared for adult financial responsibilities.
• She emphasizes the importance of breaking generational cycles by involving children in financial conversations early.

---

🧠 Emotional Spending

• One of the most common financial pitfalls she sees is emotional spending—buying things to cope with stress, boredom, or celebration.
• She recommends tracking spending for one week to identify patterns and triggers.
• Online shopping makes emotional spending easier and more dangerous due to its convenience.

---

📊 Budgeting Strategies

• Advocates for the 50/30/20 rule:
  • 50% for needs
  • 30% for wants
  • 20% for savings or debt
• Encourages people to “name your money before you spend it”—assign every dollar a purpose.

---

👧🏾 Youth Financial Literacy

• Stresses the importance of teaching kids that money is a tool, not a goal.
• Encourages parents to:
  • Let kids ask financial questions.
  • Teach saving from every dollar earned.
  • Explain compound interest and the value of investing.

---

👩🏽‍💼 Empowering Women Financially

• Many women feel overwhelmed or disempowered financially.
• Dr. Hawkins encourages women to take small steps toward financial clarity and view financial wellness as a form of self-love.

---

💬 Final Lessons

• “Money doesn’t change who you are—it amplifies who you are.”
• Understanding the difference between assets and liabilities is foundational:
  • Assets put money in your pocket.
  • Liabilities take money out.

#SHMS #STRAW #BEST #AMI

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

See omnystudio.com/listener for privacy information.

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

Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

---

🔑 Key Themes and Takeaways: 💼 About Dr. Leketa Hawkins

• Founder of PocketbookStrategies.com, which offers financial literacy programs, tools, and resources.
• Also runs Hawdleigh.com, a platform for financial education courses and templates.
• Her mission is to provide low-cost or no-cost financial education to underserved communities.

---

💡 Financial Literacy & Upbringing

• Like many, Leketa grew up in a household where money was not discussed—a common cultural norm that left many unprepared for adult financial responsibilities.
• She emphasizes the importance of breaking generational cycles by involving children in financial conversations early.

---

🧠 Emotional Spending

• One of the most common financial pitfalls she sees is emotional spending—buying things to cope with stress, boredom, or celebration.
• She recommends tracking spending for one week to identify patterns and triggers.
• Online shopping makes emotional spending easier and more dangerous due to its convenience.

---

📊 Budgeting Strategies

• Advocates for the 50/30/20 rule:
  • 50% for needs
  • 30% for wants
  • 20% for savings or debt
• Encourages people to “name your money before you spend it”—assign every dollar a purpose.

---

👧🏾 Youth Financial Literacy

• Stresses the importance of teaching kids that money is a tool, not a goal.
• Encourages parents to:
  • Let kids ask financial questions.
  • Teach saving from every dollar earned.
  • Explain compound interest and the value of investing.

---

👩🏽‍💼 Empowering Women Financially

• Many women feel overwhelmed or disempowered financially.
• Dr. Hawkins encourages women to take small steps toward financial clarity and view financial wellness as a form of self-love.

---

💬 Final Lessons

• “Money doesn’t change who you are—it amplifies who you are.”
• Understanding the difference between assets and liabilities is foundational:
  • Assets put money in your pocket.
  • Liabilities take money out.

#SHMS #STRAW #BEST #AMI

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

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

Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

---

🔑 Key Themes and Takeaways: 💼 About Dr. Leketa Hawkins

• Founder of PocketbookStrategies.com, which offers financial literacy programs, tools, and resources.
• Also runs Hawdleigh.com, a platform for financial education courses and templates.
• Her mission is to provide low-cost or no-cost financial education to underserved communities.

---

💡 Financial Literacy & Upbringing

• Like many, Leketa grew up in a household where money was not discussed—a common cultural norm that left many unprepared for adult financial responsibilities.
• She emphasizes the importance of breaking generational cycles by involving children in financial conversations early.

---

🧠 Emotional Spending

• One of the most common financial pitfalls she sees is emotional spending—buying things to cope with stress, boredom, or celebration.
• She recommends tracking spending for one week to identify patterns and triggers.
• Online shopping makes emotional spending easier and more dangerous due to its convenience.

---

📊 Budgeting Strategies

• Advocates for the 50/30/20 rule:
  • 50% for needs
  • 30% for wants
  • 20% for savings or debt
• Encourages people to “name your money before you spend it”—assign every dollar a purpose.

---

👧🏾 Youth Financial Literacy

• Stresses the importance of teaching kids that money is a tool, not a goal.
• Encourages parents to:
  • Let kids ask financial questions.
  • Teach saving from every dollar earned.
  • Explain compound interest and the value of investing.

---

👩🏽‍💼 Empowering Women Financially

• Many women feel overwhelmed or disempowered financially.
• Dr. Hawkins encourages women to take small steps toward financial clarity and view financial wellness as a form of self-love.

---

💬 Final Lessons

• “Money doesn’t change who you are—it amplifies who you are.”
• Understanding the difference between assets and liabilities is foundational:
  • Assets put money in your pocket.
  • Liabilities take money out.

#SHMS #STRAW #BEST #AMI

See omnystudio.com/listener for privacy information.

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

Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures.

---

🔑 Key Themes and Takeaways: 💼 About Dr. Leketa Hawkins

• Founder of PocketbookStrategies.com, which offers financial literacy programs, tools, and resources.
• Also runs Hawdleigh.com, a platform for financial education courses and templates.
• Her mission is to provide low-cost or no-cost financial education to underserved communities.

---

💡 Financial Literacy & Upbringing

• Like many, Leketa grew up in a household where money was not discussed—a common cultural norm that left many unprepared for adult financial responsibilities.
• She emphasizes the importance of breaking generational cycles by involving children in financial conversations early.

---

🧠 Emotional Spending

• One of the most common financial pitfalls she sees is emotional spending—buying things to cope with stress, boredom, or celebration.
• She recommends tracking spending for one week to identify patterns and triggers.
• Online shopping makes emotional spending easier and more dangerous due to its convenience.

---

📊 Budgeting Strategies

• Advocates for the 50/30/20 rule:
  • 50% for needs
  • 30% for wants
  • 20% for savings or debt
• Encourages people to “name your money before you spend it”—assign every dollar a purpose.

---

👧🏾 Youth Financial Literacy

• Stresses the importance of teaching kids that money is a tool, not a goal.
• Encourages parents to:
  • Let kids ask financial questions.
  • Teach saving from every dollar earned.
  • Explain compound interest and the value of investing.

---

👩🏽‍💼 Empowering Women Financially

• Many women feel overwhelmed or disempowered financially.
• Dr. Hawkins encourages women to take small steps toward financial clarity and view financial wellness as a form of self-love.

---

💬 Final Lessons

• “Money doesn’t change who you are—it amplifies who you are.”
• Understanding the difference between assets and liabilities is foundational:
  • Assets put money in your pocket.
  • Liabilities take money out.

#SHMS #STRAW #BEST #AMI

See omnystudio.com/listener for privacy information.