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 Heather Younger.

Founder and CEO of a leading employee engagement and workplace culture consulting firm:

🎙️ Interview Summary

Guest: Heather R. Younger
Role: CEO, workplace culture consultant, author, speaker
Topic: Employee engagement, workplace culture, self-leadership, and overcoming fear

🧭 Purpose of the Interview

To explore Heather Younger's journey as a workplace culture expert, her insights into employee engagement, and her new book The Art of Self-Leadership. The conversation centers on empowering individuals to lead themselves, navigate workplace challenges, and overcome fear to unlock personal and professional growth.

🔑 Key Takeaways 1. Employee Advocacy & Engagement

• Heather has read over 30,000 employee surveys and facilitated 100+ focus groups.
• She emphasizes active listening and creating safe spaces for employees to express concerns.
• Her mission is to amplify the voices of employees, especially during organizational transitions like mergers.

2. Self-Leadership & Personal Growth

• Heather encourages individuals to be their own advocates and not wait for others (including HR) to “save” them.
• She promotes intentional reframing—shifting negative thoughts into rational, empowering ones.
• Her new book, The Art of Self-Leadership, includes exercises like fear mapping to help readers identify and overcome internal barriers.

3. Navigating Fear in the Workplace

Heather outlines five ways fear holds people back professionally:

1. Fear of feedback – avoiding growth due to fear of criticism.
2. Fear of retribution – hesitating to speak up.
3. Fear of speaking truth to power – lacking psychological safety.
4. Inherited fears – generational or cultural fears that shape behavior.
5. Fear of regret – not taking action and living with “what ifs.”

4. Daily Practices for Mental Strength

• Reflect nightly on what went well and what you controlled.
• Practice gratitude and mindfulness.
• Prioritize sleep, hydration, and mental clarity.
• Treat each day as a chance to iterate and improve.

💬 Notable Quotes

• “I needed to be the change I was seeking.”
• “Feedback is a gift—even if it hurts.”
• “You have to fight tooth and nail for your own mental space.”
• “Don’t wait to be invited—ask.”
• “See yourself as a work in progress, not a finished product.”

📚 Book Mentioned

• Title: The Art of Self-Leadership
• Focus: Empowering individuals to lead themselves through fear, change, and uncertainty

📞 Contact Info

• Website: HeatherYounger.com
• LinkedIn: Heather R. Younger
• Social Media: Active on YouTube, Facebook, Twitter, Instagram

#STRAW

#BEST

#SHMS

See

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:

1. Internal/External Ecosystem – influences from family, community, and environment.
2. Financial Genetic Code – inherited financial narratives and behaviors.
3. Financial Healing – reprogramming harmful financial habits.
4. Financial Edification – literacy and inclusion.
5. Financial Well-being – stability and health.
6. Generational Knowledge – estate planning, insurance, long-term care.
7. 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.”
• <

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:

1. Internal/External Ecosystem – influences from family, community, and environment.
2. Financial Genetic Code – inherited financial narratives and behaviors.
3. Financial Healing – reprogramming harmful financial habits.
4. Financial Edification – literacy and inclusion.
5. Financial Well-being – stability and health.
6. Generational Knowledge – estate planning, insurance, long-term care.
7. 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.”
• <

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:

1. Internal/External Ecosystem – influences from family, community, and environment.
2. Financial Genetic Code – inherited financial narratives and behaviors.
3. Financial Healing – reprogramming harmful financial habits.
4. Financial Edification – literacy and inclusion.
5. Financial Well-being – stability and health.
6. Generational Knowledge – estate planning, insurance, long-term care.
7. 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.”
• <

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 Cassandra Lester.

Purpose of the Interview

The interview introduces Cassandra Lester’s nonprofit Grow Give Prosper and its partnership with Google’s “Grow with Google” initiative. The goal is to provide free career certification scholarships to underserved and economically impacted communities, helping individuals increase earning potential and gain financial literacy.

Key Takeaways

1. Mission of Grow Give Prosper

   • Founded in 2023, focused on financial education and empowerment.
   • Aims to help communities grow together, give to each other, and prosper collectively.

2. Google Partnership

   • Offers free career certifications in high-demand fields:
     • Cybersecurity
     • Data Analytics
     • Digital Marketing & E-commerce
     • IT Support
     • Project Management
     • UX Design
   • Certifications are self-paced, online, and typically take 3–6 months.
   • No prior experience required; participants receive a portfolio upon completion.

3. Accessibility

   • Scholarships are free; the only requirement is commitment.
   • Available to anyone in the continental U.S., regardless of education level (GED, college dropout, etc.).
   • Registration via growgiveprosper.org (scroll to Google Career Scholarships).

4. Impact

   • Over 300 scholarships awarded; previously had 500.
   • Designed to level the playing field for those without Ivy League degrees.
   • Certifications can stack (e.g., Project Management + Data Analytics) for greater career potential.

5. Financial Literacy

   • Defined as understanding financial concepts and applying them to daily life.
   • Misconceptions persist—some communities avoid discussing money or undervalue credit scores.
   • Cassandra emphasizes breaking cycles of predatory lending and poor financial habits.

6. Challenges

   • Cultural reluctance to discuss money.
   • Skepticism about legitimacy of programs.
   • Difficulty securing grants as a small nonprofit.
   • Cassandra combats these through grassroots outreach and workshops.

7. Personal Drive

   • Cassandra’s passion stems from seeing financial struggles across all demographics.
   • She actively promotes opportunities through community centers, adult education classes, and social media.

Notable Quotes

• “I want us to grow together so that we can give to each other and then prosper as a collective.”
• “Google is leveling the playing field—you don’t need an Ivy League education to earn a livable wage.”
• “The only fee is commitment.”
• “Financial literacy means you understand the words, you hear the conversation, and it’s not Greek to you.”
• “You can’t talk about managing finances if you really don’t have anything coming in.”
• “You don’t want to miss this opportunity to increase your earning potential.”

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 Cassandra Lester.

Purpose of the Interview

The interview introduces Cassandra Lester’s nonprofit Grow Give Prosper and its partnership with Google’s “Grow with Google” initiative. The goal is to provide free career certification scholarships to underserved and economically impacted communities, helping individuals increase earning potential and gain financial literacy.

Key Takeaways

1. Mission of Grow Give Prosper

   • Founded in 2023, focused on financial education and empowerment.
   • Aims to help communities grow together, give to each other, and prosper collectively.

2. Google Partnership

   • Offers free career certifications in high-demand fields:
     • Cybersecurity
     • Data Analytics
     • Digital Marketing & E-commerce
     • IT Support
     • Project Management
     • UX Design
   • Certifications are self-paced, online, and typically take 3–6 months.
   • No prior experience required; participants receive a portfolio upon completion.

3. Accessibility

   • Scholarships are free; the only requirement is commitment.
   • Available to anyone in the continental U.S., regardless of education level (GED, college dropout, etc.).
   • Registration via growgiveprosper.org (scroll to Google Career Scholarships).

4. Impact

   • Over 300 scholarships awarded; previously had 500.
   • Designed to level the playing field for those without Ivy League degrees.
   • Certifications can stack (e.g., Project Management + Data Analytics) for greater career potential.

5. Financial Literacy

   • Defined as understanding financial concepts and applying them to daily life.
   • Misconceptions persist—some communities avoid discussing money or undervalue credit scores.
   • Cassandra emphasizes breaking cycles of predatory lending and poor financial habits.

6. Challenges

   • Cultural reluctance to discuss money.
   • Skepticism about legitimacy of programs.
   • Difficulty securing grants as a small nonprofit.
   • Cassandra combats these through grassroots outreach and workshops.

7. Personal Drive

   • Cassandra’s passion stems from seeing financial struggles across all demographics.
   • She actively promotes opportunities through community centers, adult education classes, and social media.

Notable Quotes

• “I want us to grow together so that we can give to each other and then prosper as a collective.”
• “Google is leveling the playing field—you don’t need an Ivy League education to earn a livable wage.”
• “The only fee is commitment.”
• “Financial literacy means you understand the words, you hear the conversation, and it’s not Greek to you.”
• “You can’t talk about managing finances if you really don’t have anything coming in.”
• “You don’t want to miss this opportunity to increase your earning potential.”

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 Cassandra Lester.

Purpose of the Interview

The interview introduces Cassandra Lester’s nonprofit Grow Give Prosper and its partnership with Google’s “Grow with Google” initiative. The goal is to provide free career certification scholarships to underserved and economically impacted communities, helping individuals increase earning potential and gain financial literacy.

Key Takeaways

1. Mission of Grow Give Prosper

   • Founded in 2023, focused on financial education and empowerment.
   • Aims to help communities grow together, give to each other, and prosper collectively.

2. Google Partnership

   • Offers free career certifications in high-demand fields:
     • Cybersecurity
     • Data Analytics
     • Digital Marketing & E-commerce
     • IT Support
     • Project Management
     • UX Design
   • Certifications are self-paced, online, and typically take 3–6 months.
   • No prior experience required; participants receive a portfolio upon completion.

3. Accessibility

   • Scholarships are free; the only requirement is commitment.
   • Available to anyone in the continental U.S., regardless of education level (GED, college dropout, etc.).
   • Registration via growgiveprosper.org (scroll to Google Career Scholarships).

4. Impact

   • Over 300 scholarships awarded; previously had 500.
   • Designed to level the playing field for those without Ivy League degrees.
   • Certifications can stack (e.g., Project Management + Data Analytics) for greater career potential.

5. Financial Literacy

   • Defined as understanding financial concepts and applying them to daily life.
   • Misconceptions persist—some communities avoid discussing money or undervalue credit scores.
   • Cassandra emphasizes breaking cycles of predatory lending and poor financial habits.

6. Challenges

   • Cultural reluctance to discuss money.
   • Skepticism about legitimacy of programs.
   • Difficulty securing grants as a small nonprofit.
   • Cassandra combats these through grassroots outreach and workshops.

7. Personal Drive

   • Cassandra’s passion stems from seeing financial struggles across all demographics.
   • She actively promotes opportunities through community centers, adult education classes, and social media.

Notable Quotes

• “I want us to grow together so that we can give to each other and then prosper as a collective.”
• “Google is leveling the playing field—you don’t need an Ivy League education to earn a livable wage.”
• “The only fee is commitment.”
• “Financial literacy means you understand the words, you hear the conversation, and it’s not Greek to you.”
• “You can’t talk about managing finances if you really don’t have anything coming in.”
• “You don’t want to miss this opportunity to increase your earning potential.”

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

See omnystudio.com/listener for privacy information.

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

See omnystudio.com/listener for privacy information.