Steve Harvey Morning Show

Steve Harvey Morning Show

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Uplift: He offers strategies for breaking free from debt and building long-term wealth.

Uplift: If you don’t start planning about what you want today, you will not get it tomorrow.

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

Uplift: He offers strategies for breaking free from debt and building long-term wealth.

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.

Uplift: If you don’t start planning about what you want today, you will not get it tomorrow.

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

Uplift: He offers strategies for breaking free from debt and building long-term wealth.

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.

Uplift: If you don’t start planning about what you want today, you will not get it tomorrow.

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

Info You Can Use_ Are you ready to take control of your financial future, then l

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.

Info You Can Use_ Are you ready to take control of your financial future, then l

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.

Info You Can Use_ Are you ready to take control of your financial future, then l

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.

Info You Can Use_ Are you ready to take control of your financial future, then l

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.