The Steve Harvey Morning Show

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 Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

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 Tim Mercer. Author of Bootstrap Millionaire and CFO of Cadence Ventures, Inc.: 🎯 Purpose of the Interview To inspire and educate aspiring entrepreneurs and professionals by sharing Tim Mercer’s journey from humble beginnings to financial success, emphasizing the importance of hard work, faith, planning, and leveraging government contracts and nontraditional financing. 🗝️ Key Takeaways Background & Journey Tim Mercer grew up in Mullins, South Carolina, in modest circumstances. His path to success began with military service, which broadened his worldview and led him to entrepreneurship. Bootstrap Millionaire Philosophy The term “bootstrap” symbolizes hard work, sacrifice, and perseverance. Mercer emphasizes that success doesn’t come overnight—it requires grinding, planning, and faith. Importance of a Business Plan A solid business plan is essential for securing funding and guiding business growth. Mercer shares real-life examples of people failing to secure support due to lack of planning. Cadence Ventures, Inc. A boutique private equity firm offering nontraditional financing for real estate investors. Focuses on investment properties and uses the property itself as collateral. Government Contracting Mercer began in government contracting in 2012 and credits it with helping him scale his business. He stresses that while it’s complex and paperwork-heavy, it’s a valuable opportunity for minority-owned businesses. Free resources like SAM.gov and Georgia Tech’s GT PAC can help entrepreneurs navigate the process. Success Requires Sacrifice Mercer highlights that every successful person has a story of struggle and sacrifice. His book’s first chapter, “See the Glory, Don’t Know the Story,” encapsulates this message. 💬 Notable Quotes “If you want to have the things tomorrow that other people won’t have, then you got to be willing to do the things today that other people won’t do.” — Tim Mercer quoting Les Brown “There’s no success without sacrifice.” — Tim Mercer “You can only make as much as the customer that you have.” — Tim Mercer on scaling through government contracts “See the glory, don’t know the story.” — Chapter title from Bootstrap Millionaire #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Steve Harvey Morning Show for Tuesday, March 10th, 2026: Steve Harvey's Morning Inspiration | Show Open | Nephew Tommy's Run That Prank Back - "Too Much Chicken" | Ask The CLO | What Are You Giving Up for Lent | Would You Rather | Open Relationships | Nephew Tommy's Prank - Comedy Roulette - Nice Ways to Tell Off a Christian | Things You Wish You Did When You Were Younger | Would You Rather Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

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 Michael Uadiale. A seasoned CPA and master tax advisor with 25+ years of experience, discussing how entrepreneurs can use strategic tax planning to accelerate wealth building and achieve financial freedom within 5–7 years. He introduces his trademarked DECIDE Framework, explains why most small business owners overpay taxes, and breaks down strategies such as employing children, capturing appreciation, digital asset taxation, and multigenerational wealth planning. Rushion plays the voice of the everyday entrepreneur—curious, intimidated by taxes, and eager to understand wealth strategies—while Michael emphasizes empowerment through education, intentional planning, and knowing the rules of the tax code. 🎯 Purpose of the Interview The interview aims to: 1. Educate entrepreneurs …on how the tax code actually works, and how understanding it—not fearing it—is the key to wealth building. 2. Introduce Michael Uadiale’s DECIDE Framework A 6-step model that helps entrepreneurs achieve financial freedom in 5–7 years, based on strategic tax planning. 3. Debunk myths about taxes and wealth Especially the myth that “the tax code only favors the rich.” 4. Encourage proactive financial behavior By meeting tax advisors regularly, planning before spending, using legal tax incentives, and building multigenerational wealth. 🔑 Key Takeaways 1. The tax code is a tool—not a trap Michael stresses the tax code was intentionally created as a set of incentives to encourage certain behaviors. Those who understand it win; those who fear it overpay. “The tax law is a set of incentives… It’s how the government wants us to behave.” 2. Wealth cannot be delegated You can delegate marketing, HR, operations—but not wealth-building decisions. “Wealth cannot be delegated.” 3. The DECIDE Framework (Michael’s 6‑step wealth-building system) D – Discover Your Wealth DNAUnderstand how you make money because not all dollars are taxed equally. E – Engineer Tax-Free StructuresYour business structure determines how much money you keep. C – Capture Your Growth & Appreciation“Freeze” wealth so your heirs avoid 45% estate tax bites. I – Integrate Advanced Tax StrategiesUse high-level but legal tax planning (what rich families do). D – Defend Against Tax ErosionPut barriers in place so taxes don’t eat your wealth. E – Empower Multi‑Generational LegacyEnsure your family continues benefiting from your planning. 4. Over 80% of small business owners overpay in taxes Because they avoid taxes, only meet their preparer once a year, and confuse a tax preparer with a tax advisor. “You cannot operate like that and win the game of money.” 5. You can legally pay your kids and get major tax benefits Kids can perform tasks (in office or at home), earn up to $15–16k tax‑free, and you deduct the wages. “Instead of paying out of pocket, the government subsidizes raising your kids.” Some clients even invest those wages in Roth IRAs to create child millionaires by age 21. 6. Tax planning must be proactive, not reactive Plan taxes all year long—not at the deadline. “When you are doing tax planning, you design the end game before the start.” 7. Compounding interest + tax efficiency = true wealth Michael reinforces that compounding should start early—and taxes must be minimized to let compounding work. “Wealth is compounding interest minus taxes.” 8. Digital assets will play a major future role Michael predicts digital currencies (e.g., Bitcoin) will eventually surpass fiat currency due to scarcity and blockchain verification. 9. Fear stops people from gaining wealth Most people think advanced tax planning is “too good to be true,” which keeps them stuck. “You miss 100% of the shots you don’t take.” 10. Confidence and education are the foundation Rushion repeatedly emphasizes that Michael’s calm, confident clarity is essential for entrepreneurs who fear taxes. 🗣️ Notable Quotes from the Interview On Tax Code “The tax code was not written for the little guys… but if you understand the rules, you get the same benefits the big boys get.” “The tax code is one of the fastest ways to financial freedom.” On Wealth “Wealth cannot be delegated.” “Wealth is compounding interest minus taxes.” On Fear & Taxes “People avoid taxes all year and then try to win in April—You cannot win like that.” “You miss 100% of the shots you don’t take.” On Paying Kids “It’s a no brainer. The government is subsidizing your kids’ upbringing.” On Digital Currency “Digital assets are backed by supply and demand. It’s only a matter of time.” On His Confidence “I have nothing else to prove in my life at this point.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

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 Latrisha McIntosh and LaTasha Taylor. Founders of BSM Media Group and the award‑winning BSM Magazine. The conversation covers beauty standards, entrepreneurship, their journey from a one-page blog during the recession to becoming media entrepreneurs, the highs and lows of their career, their spiritual grounding, their historic interview with Oprah Winfrey, and their mission to create dignified, uplifting media. Purpose of the Interview The interview serves to: ⭐ Highlight the twins’ entrepreneurial journey How they built BSM Magazine and BSM Media Group from scratch during the 2008 recession. ⭐ Discuss their philosophy on beauty, representation, and purpose They emphasize inner beauty, authenticity, and rejecting societal pressure—values that shape their platform and interviews. ⭐ Inspire entrepreneurs Through transparency about lows (being undervalued) and highs (interviewing Oprah), they demonstrate resilience, faith, and consistency. ⭐ Showcase their impact Including discovering rising talent early (e.g., Tabitha Brown), providing media opportunities, and evolving into producers, writers, and content creators. Key Takeaways 1. The Origin of BSM Magazine Started as a one‑page business blog during the 2008 recession to serve rising entrepreneurs. They credit the magazine’s creation as “something that God gave us.”  Their natural creativity as twins carried over from childhood. 2. Inner Beauty and Authenticity They define beauty as inner strength, confidence, and embracing the way God created you. Social media culture magnifies appearance, but they insist “outer beauty must align with inner beauty.”  3. Sustaining Success Their differentiation comes from focusing on: Quality content Spotlighting overlooked talent Doing things mainstream outlets often ignore They interviewed Tabitha Brown before she became widely known and gave actress Essence Atkins her first magazine cover.  4. Challenges and Low Points Being undervalued and overlooked in the media industry. Being judged by numbers or pushed to the back of the line. Yet, they emphasize:“That ‘no’ comes back around … bigger and better.”  5. High Points Their divine‑timed interview with Oprah in April 2018: They put Oprah on a vision board in January. LaTasha tweeted her daily for six months. Oprah unexpectedly turned around on the red carpet and approached them for an interview.This became a milestone moment in their career. 6. Operating a Media Company as Twins They learned to respect each other’s strengths: LaTasha: writing, articles, layouts Latrisha: creative direction and balance Their partnership is spiritually rooted and purpose-driven. 7. Expanding Beyond a Magazine The magazine now lives under BSM Media Group, which produces: Celebrity content Corporate and government media The Twins a Media Show They evolved into scriptwriters, producers, and consultants. 8. Longevity Comes From Quality They prioritize: Clean, dignified media Positive storytelling Production standards They tell entrepreneurs not to focus on numbers—focus on quality, and longevity will follow.  Notable Quotes On Beauty “Inner beauty has such a powerful way of allowing us to be our true selves.” “Embrace your eyes, your nose, your hips—all the way God made you.” “Imagine if everybody operated in their own lane. That signifies beauty at its highest level.”  On Entrepreneurship “We realized we were in the business of seeing people—because we were the underdogs.” “Don’t worry about your numbers. Quality will always stand.” “Sometimes your visions are crazy, and they don’t make sense to people—but believe anyway.”  On Overcoming Doubt “A low point is being undervalued—but God has a sense of humor. That ‘no’ comes back around.” “We’ve heard it all. You need layers of skin to accept when someone thinks you're not good enough.”  On Their Oprah Moment “She turned around, walked past everyone, and came straight to us.” “Nobody but God—and a little effort from Tasha!”  On Partnership “God made us twins for a reason. I couldn’t do this journey without her.” “Working in business taught me more about my sister than growing up together ever did.”  #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.