Melanin Money Show

Latest Episodes:

YOU COULD Leave YOUR KIDS MILLIONS and Still LEAVE Them BROKE! Oct 09, 2026

Show notes

https://www.joinwealthworkshop.com/register-a?el=videocrissain&utm_medium=yt&utm_source=yt

You could leave your kids millions and still leave them unprepared. Mielle Organics founders Monique and Melvin Rodriguez explain what they're building IN their children, not just FOR them, and what every entrepreneur needs to know about scaling, stewardship, and exiting a business to create real generational wealth.

Monique went from labor and delivery nurse to founder of one of the world's fastest-growing textured hair care brands. She started with one product in her kitchen, and the company was acquired by Procter & Gamble (P&G). In this live panel at Urban Golf Weekend, moderated by Melanin Money co-founders George Acheampong and Carter Cofield, CPA, the Rodriguezes break down what it really takes to build, scale, and sell a business, and how to protect the wealth after the exit.

In this video, you'll learn:

- Why the team that gets you to $1M won't get you to $10M or $100M

- The profitability mistake (EBITDA) that almost caused Mielle to grow itself out of business

- Why you shouldn't pull money out of your business if you want an exit

- Why selling your business isn't "selling out," and how backlash hurts Black founders' access to capital

- How to shift from wealth accumulation to wealth preservation after a big payday

- The values they're teaching their kids so the money doesn't run out in one generation

- How Monique wrote "sold to P&G" in her journal before the deal ever happened

"We don't want to leave something FOR them. We want to leave something IN them."

If you're a business owner, a parent, or someone building a legacy, this conversation will change how you think about wealth.

https://www.instagram.com/cofield_advisor/?hl=en

https://www.instagram.com/georgeacheampongjr/?hl=en

MILLIONAIRES Treat MARRIAGE Like a Business. Here's Why That's WRONG ! w/ Tony Gaskins Oct 02, 2026

Show notes

https://www.joinwealthworkshop.com/register-a?el=videocrissain&utm_medium=yt&utm_source=yt

From his own journey of going from a broke womanizer making $20,000 a year to a multi-millionaire after committing to one woman, Tony breaks down why marriage is not a business decision, how choosing character over status changes everything, and why so many successful men fall into the same trap of chasing status instead of substance.

George and Carter sit down with relationship expert and matchmaker Tony Gaskins for one of the most unfiltered conversations this show has ever had.This episode blends relationships and wealth in a way you won't hear anywhere else.

What You'll Learn:

Why Tony believes marriage is a love decision, not a business decision

The "8th grade test" for knowing if she's really the one

Why choosing a woman for her character changes your entire trajectory

How redirecting energy from chasing women into entrepreneurship changed Tony's life

The difference between a woman who chose you on the climb vs. after you made it

Red flags and green flags for successful men navigating relationships

Why being a 100% provider (not a 50/50 business partner) builds a stronger marriage

What it means to be a "melanin millionaire" beyond just the money

Disclaimer: This content is for educational and entertainment purposes only and reflects the personal views and experiences of the guest. It should not be considered professional relationship or financial advice.

https://www.instagram.com/cofield_advisor/?hl=en

https://www.instagram.com/georgeacheampongjr/?hl=en

Terrence J: The Role He Almost Didn't Get (Then Made Millions) Sep 23, 2026

Show notes

Join Our Wealth Workshop : https://www.joinwealthworkshop.com/register?el=videocrissain&utm_source=direct_to_ticket&utm_medium=yt

Actor, host, and entertainment veteran Terrence J joins George and Carter for another great episode of the Melanin Money Show!

From bombing his first audition for 106 & Park (and getting a second shot anyway) to almost losing his breakout role in Think Like a Man, Terrence opens up about the moments that changed his life, the financial mistakes he wishes someone had warned him about, and the strategy behind building an 8-figure real estate portfolio. This is a masterclass in resilience, financial literacy, and knowing when to bet on yourself.

What You'll Learn:

How Terrence turned a bombed audition into his big break on 106 & Park

The real story behind almost losing his role in Think Like a Man (and the check that changed his life)

A costly real estate mistake that taught him the power of due diligence

Why getting audited was one of the best things that ever happened to his finances

How he built an 8-figure real estate portfolio investing in properties he simply liked

The 4 buckets his portfolio is broken into today (and why real estate isn't always the answer)

Daymond John's advice that shaped his entire career: "Don't give up your dirty water until you have clean water"

Why he made the strategic financial move from LA to Miami

Disclaimer: This content is for educational purposes only and should not be considered financial or investment advice. Please consult with a licensed financial advisor before making investment decisions.

https://www.instagram.com/cofield_advisor/?hl=en

https://www.instagram.com/georgeacheampongjr/?hl=en

The Banks Are Using AI Against You - Here's How To Use It Back! | Episode 262 Sep 09, 2026

Show notes

Join Our Wealth Workshop : https://www.joinwealthworkshop.com/register?el=videocrissain&utm_source=direct_to_ticket&utm_medium=yt

Connect with Herman : https://urlgeni.us/youtube/channel/TbhIE3

AI Is Deciding Who Gets Approved For Funding — Here's How To Beat It

In this clip from the Melanin Money Show, funding expert Herman breaks down how artificial intelligence has completely changed the game when it comes to business credit, bank approvals, and even tax audits. Banks are now using AI to scan applications in real time, separating serious business owners from people just posting about money online — and if your business isn't structured the right way, you could be getting denied or approved for way less than you deserve.

Herman shares his exact strategy for using AI to your advantage, including a specific ChatGPT prompt that analyzes your credit report and builds you a personalized blueprint of which banks to apply to, which cards to pay down, and which inquiries to remove before you even submit an application. He also breaks down how AI can be used to draft FCRA dispute letters to fight back against inaccurate items on your credit report — for free.

If you're trying to get funding in this new environment, this conversation could save you thousands of dollars and months of wasted applications.

🔑 What you'll learn in this clip:

How AI is screening business funding applications

How to structure your business so AI reads you as legitimate

The exact ChatGPT prompt to build your personal funding blueprint

How to use AI to dispute negative items on your credit report

👉 Subscribe to Melanin Money for more real conversations on credit, funding, and building wealth in the Black community.

https://www.instagram.com/cofield_advisor/?hl=en

https://www.instagram.com/georgeacheampongjr/?hl=en

5 Things YOU CAN BUY to MAKE MORE MONEY! | Episode 261 Aug 12, 2026

Show notes

Join Our Wealth Workshop : https://www.joinwealthworkshop.com/register?el=videocrissain&utm_source=direct_to_ticket&utm_medium=yt

George and Carter get real about lifestyle upgrades — which ones actually pay for themselves, and which ones are just lifestyle creep in disguise. From house managers to first class flights to luxury vehicles, they break down the exact math behind buying back your time, plus the upgrades they regret (designer clothes, too much house too soon) so you don't have to learn the hard way.

What You'll Learn:

How to calculate the real ROI on hiring a house manager or personal assistant

Why flying first class can pay for itself (and how to make it work for you)

The "job beneath the job" strategy for getting access to high-level rooms

Why buying too much house too soon can backfire, even if you can afford it

How to know when you're financially ready for a lifestyle upgrade

Why designer clothes are one of the worst ROI purchases you can make

Disclaimer: This content is for educational purposes only and should not be considered financial advice. Please consult with a licensed financial advisor before making investment decisions.

Timecodes

https://www.instagram.com/cofield_advisor/?hl=en

https://www.instagram.com/georgeacheampongjr/?hl=en

Stocks Reach ANOTHER Record High - Should You KEEP BUYING!?! | Episode 260 Aug 05, 2026

Show notes

Stocks Reach ANOTHER Record High - Should You KEEP BUYING!?!

Prices are climbing. Headlines are screaming. Everybody's panicking about the economy — but the wealthy aren't. In this episode, George and Carter break down how to think like an investor when the market feels unpredictable, why buying when others are fearful is the ultimate wealth move, and the one money move you need to make before the year is out.

Find out :

Why day-to-day news moves price, not value — and how to tell the difference

How to build an "opportunity fund" without sitting on the sidelines out of fear

The Peter Thiel quote that explains why market timing costs you more than crashes do

Why missing the 10 best trading days can cut your portfolio in half

The "buy Jordans on sale" mindset — and how to apply it to investing

The one financial audit that could unlock money you didn't know you had

⚠️ Disclaimer: This content is for educational purposes only and should not be considered financial advice. Please consult with a licensed financial advisor before making investment decisions.

Timecodes:

0:00] Stop Fearing the Market — Start Buying It

[0:40] Should Everyday Investors Worry About the News?

[7:33] How to Know When to Actually Make a Move

[9:17] How to Protect Your Portfolio Right Now

[11:43] Don't Wait for the Perfect Time — Here's Why

[13:02] Inflation & Taxes — What You Should Actually Buy

[14:31] Is There a Perfect Time to Get In?

[15:56] The Truth About Timing the Market

[18:06] Get Honest About Where Your Money Is Going

[19:07] Be Greedy When Everyone Else Is Scared

[20:06] You're Choosing Stuff Over Stocks — Be Honest

[21:11] Your Future Self Is Counting on You Now

https://www.instagram.com/cofield_advisor/?hl=en

https://www.instagram.com/georgeacheampongjr/?hl=en

If YOUR MONEY Doesn't Move IT ISN'T SAFE - Do This Now! | Episode 259 Jul 31, 2026

Show notes

If you are not moving your money around into healthy accounts, it WILL lose its value! In this Q&A episode, we're answering your biggest money questions — from investing basics to advanced tax and real estate strategy — straight from the Melanin Money community.

In this episode, you'll learn:

Whether you can write off business expenses paid with a personal credit card

How to start investing the right way (even if you're starting small)

How to legally pay your children from your business and fund a custodial Roth IRA

How to borrow against your brokerage portfolio without selling your investments

How to use an old 401(k) to fund a real estate remodel without paying taxes or penalties

How to structure a tax-efficient real estate strategy in retirement using cost segregation

This content is for educational purposes only and is not financial, tax, or legal advice. Always consult a licensed professional before making investment decisions.

Have a money question of your own? Drop it in the comments — we may answer it in a future episode. And if you want personalized strategy, join us for Wealth Week and get direct access to our team.

Timecodes:

https://www.instagram.com/cofield_advisor/?hl=en

https://www.instagram.com/georgeacheampongjr/?hl=en

Your Money Habits Are Working Against You! ( Here's Why) | Episode 258 Jul 29, 2026

Show notes

Join Our Wealth Workshop : https://www.joinwealthworkshop.com/register?el=videocrissain&utm_source=direct_to_ticket&utm_medium=yt

You could be actively working against your own wealth without even realizing it — and the habits that are pushing money away from you are more common than you think!

In this episode, you'll learn:

Why saving alone will never make you wealthy (and what to do instead)

The mindset shift millionaires make between treating money as a "tool" vs. a "pool"

How to identify the habits quietly sabotaging your financial growth

What it actually means to make your money work for you

This content is for educational purposes only and is not financial, tax, or legal advice. Always consult a licensed professional before making investment decisions.

Ready to stop guessing and start building real wealth? Join us for the Multiply Your Money workshop and learn the exact strategies wealthy people use to grow and protect their money.

Timecodes:

0:00 Cash Flow Over Bank Balances

1:20 Revenue Advice By Income Level

2:08 Why Wealthy Pay Less Tax

3:40 Five-Part Wealth Building Blueprint

5:08 Three Levels Of Tax Savings

7:43 Biggest Mistake High Earners Make

12:31 Cash Flow Now Vs Equity

14:06 Right Business Entity Structure

16:06 Passive Beats Active Income

19:49 Wealth Triangle And Risk Mindset

22:16 Trump's New Tax Bill

27:19 Avoid Passing Down Tax Bills

https://www.instagram.com/cofield_advisor/?hl=en

https://www.instagram.com/georgeacheampongjr/?hl=en

How to Pick Winning Stocks: Buy the Business, Not the Ticker | Episode 257 Jul 15, 2026

Show notes

Most people pick stocks based on price. Smart investors pick stocks based on the business behind them. In this episode, Carter Cofield (CPA) and George Acheampong break down the 5 business principles they use to run their own company — and show you how applying those same principles to stock picking can make you a far better investor.

In this episode you'll learn:

📊 Why reviewing your P&L and balance sheet tells you more about a stock than the news does

🎯 Why "hire slow, fire fast" applies directly to picking (and dropping) stocks

🚀 Why innovation is the difference between the next Apple and the next Blockbuster

💰 How diversifying revenue streams in a business mirrors diversifying your portfolio

📈 Why keeping your top-performing stocks (and avoiding unnecessary capital gains tax) builds real long-term wealth

🏢 The Warren Buffett principle behind it all: don't buy the stock, buy the business

This is a must-watch if you've ever picked a stock based on price alone and wondered why it didn't perform.

⚠️ This is not financial advice. Please consult a licensed advisor for your specific situation.

Extra Income? Don't Day Trade It, Do This Instead ! | Episode 256 Jul 08, 2026

Show notes

Get Your Tickets To Wealth Weekend 2026 Here : http://wealthweekend2026.com/?el=yt_mms60326&utm_source=yt&utm_medium=mms080726

You're earning well and sitting on extra capital — but is day trading actually the smartest way to grow it?

In this episode of the Melanin Money Show, Carter Cofield (CPA & Financial Advisor) and George Acheampong (Financial Advisor) break down why concentrating on your career or business — not chasing short-term trades — is the real wealth-building lever for high earners with surplus income. We'll also cover:

Should you day trade or invest long-term with your extra income? — The "wealth triangle" framework: concentrate to get rich, diversify to stay rich. Plus how to use long-term options (LEAPS) if you still want to scratch the trading itch.

Should you borrow against your whole life insurance policy to invest? — How non-direct recognition loans work, why your $100K cash value keeps earning interest while you invest it elsewhere, and the real break-even timeline most agents won't tell you.

How many LLCs do you need for 3 rental properties? — The $250K equity-per-LLC rule, how a Wyoming holding company gives you full anonymity, and why Texas series LLCs can save you thousands in annual fees.

Did your CPA cost you a $150K tax deduction? — Why skipping the cost segregation study on your short-term rental could mean leaving six figures on the table, and how to fix it with an amended return before the October 15 deadline.

Should you still contribute to a 401K if your employer gives you a 5% match for free? — The exact order to stack your accounts: employer match → Roth IRA → HSA → brokerage → 401K.

⚠️ This is not financial advice. Please consult a licensed advisor for your specific situation.

https://www.instagram.com/cofield_advisor/?hl=en

https://www.instagram.com/georgeacheampongjr/?hl=en

Our TOPPODCAST Picks

Follow Us

Stay Connected

Related Podcasts

Links

Stay Connected