Melanin Money Show

Latest Episodes:

You Feel Overworked And Underpaid? Take More Risk and Make Millions! | Episode 255 Jul 06, 2026

Show notes

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

Order Teri's Book " A Risk Worth Taking " Here 👇 https://www.amazon.com/exec/obidos/ASIN/163763465X

What does it take to go from assistant principal to a 9-figure net worth trader? Teri Ijeoma is living proof that the biggest risk you'll ever take is the one you don't.

In this episode of the Melanin Money Show, recorded live at the New York Stock Exchange, we sit down with one of the most impactful Black women in the investing and trading space. Terry Latrice built a trading empire from scratch, helped create millionaires out of everyday people, and is now releasing her debut book — The Risk Worth Taking — to reach even more people who never thought the stock market was for them.

This is not your average trading conversation. This is a masterclass on risk, identity, wealth building, and what it really means to bet on yourself when everything is on the line.

In this episode you'll learn:

How Terri went from assistant principal to generating over a million dollars in a single trading day.

Why Black women are statistically the least likely to take financial risk — and how that fear is costing them generational wealth.

Why the strategies that build your wealth are completely different from the ones that will preserve it!

How to think about opportunity cost so that fear stops making your financial decisions for you

Why over 600,000 unemployed Black women are sitting on severance and savings that could be working for them right now!

and more!

Follow Teri Ijeoma on Instagram : https://www.instagram.com/teriijeoma?igsh=NTNrazh3cXdoY29w

Timecodes:

0:00 - Nine Figures From Nothing

1:05 - Welcome to Melanin Money Show

1:25 - Hotel Room to New York Stock Exchange

2:13 - Why She Wrote the Book

3:32 - From Principal to Million Dollar Trader

4:14 - Granny's Bet Changed Everything

5:24 - Million Dollars in One Day

6:18 - Amazon Driver Became a Millionaire

7:28 - Your Obedience Unlocks Someone's Destiny

8:38 - Why Black Women Avoid Risk

9:09 - Sacrifice Kills Your Risk Tolerance

10:09 - How to Take Smart Risk

11:14 - The Opportunity Cost of Fear

12:22 - How Terry Diversifies Her Wealth

13:00 - Real Estate Land and Venture Capital

14:05 - SpaceX Created 4000 Millionaires Today

14:28 - Save for Opportunities Not Emergencies

15:01 - The $24K Loss That Built Her

16:14 - Elon Gave SpaceX 10% Odds

17:29 - The Biggest Risk She's Taking Now

18:46 - Four Years to Write One Book

20:19 - Penguin Random House Called. She Almost Said No.

21:30 - Why She Made It a Love Story

23:34 - There's a Cute Guy in the Book

24:00 - The Secret Romance Nobody Knew

25:48 - Book Tour Hits Four Major Cities

26:30 - This Book Tour Feels Like Class

28:09 - What Black Billionaire Really Means

29:29 - Shattering Ceilings for the Next Generation

30:19 - 600K Black Women Fear Investing

31:00 - 100K Views Equals 100 Free Books

31:43 - Full Circle Moment at the NYSE

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If You Listen To Bad Money Advice, The Future You Pays! | Episode 254 Jun 24, 2026

Show notes

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

Let's break down the most costly retirement and tax mistakes people are making right now — including one financial advisor who told a client two years from retirement to withdraw $900K from her IRA and dump it all into an annuity.

That one recommendation would have triggered a $400K+ tax bill before she saw a single dollar of guaranteed income. We break down exactly why that advice was dead wrong and what she should have done instead.

We also cover:

— Whether you can contribute to a backdoor Roth IRA if you already have a Roth 401K with your employer

— The difference between a self-directed IRA and a regular IRA and which one is right for you as you approach retirement

— S Corp vs C Corp — which entity structure saves you more when your business is generating millions in profit

— The CPA mistake that could cost you an entire year of S Corp tax savings without you even knowing

— Why going 1099 instead of W2 might actually be the smartest retirement move you haven't considered yet

Whether you're trying to protect your retirement savings, reduce your tax bill, or just make sure your money is working as hard as you are — this episode is exactly what you need to hear before you make another financial move.

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Your Job Will Never Make You Wealthy - Until You Do This! | Episode 253 Jun 17, 2026

Show notes

Most people are one wake-up call away from building real wealth in the stock market — they just haven't had theirs yet. In this episode, filmed live at the New York Stock Exchange, we sat down with Chris, a 6-year trading veteran who spent 15 years grinding through corporate America before discovering the stock market changed everything.

Chris went from making $11/hour at Citibank with a $6 raise over nine years, to trading his way to $84,000 in a single day. This conversation is raw, real, and packed with lessons you won't hear from most finance influencers — including how he almost blew up his account chasing AMD, why he compares his trading strategy to a relationship, and the powerful moment his wife's car title became the turning point that changed his family's financial future forever.

Whether you're brand new to investing, curious about options trading and technical analysis, or trying to figure out how to make your money work harder than you work for it — this episode is for you.

Timecodes :

00:00 — Build Wealth While Clocking In

01:02 — Welcome to the NYSE | Meet Chris Jackson

03:23 — Nine Years. Six Dollar Raise. He Snapped

06:00 — How Corporate America Keeps You Broke

08:03 — The Car Title That Changed Everything

11:11 — A Wine Tasting That Sparked His Trading Career

14:50 — The Strategy That Makes Trading Make Sense

21:33 — Behind the Numbers | His $84K Day

24:27 — The $5K Loss That Woke Him Up

26:24 — Why Faith and Finances Are Connected

33:07 — How He's Teaching Others to Trade Free

34:55 — What It Means to Be a Melanin Millionaire

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You Selling Your Stocks Is Actually the Wrong Move! ( DO THIS INSTEAD) | Episode 252 Jun 10, 2026

Show notes

Get Your Tickets To Wealth Weekend 2026 Here : http://wealthweekend2026.com/?el=yt_mms60326&utm_source=yt&utm_medium=mms60326

The stock market just exposed millions of investors — and most don't even know it yet!

Whether you're just getting started or you've been investing for years, these five mistakes will cost you significantly if you keep making them — and knowing them now could change the trajectory of your entire financial future!

Timecodes:

00:00 – Stop Selling Gains!

01:28 – Stop Timing The Market

03:15 – Carter's Palantir Story (Real Talk)

04:36 – Missing 10 Days Cuts Returns 50%

05:18 – Base Hits Build Wealth

07:28 – Stop Chasing The Next Hot Stock

09:06 – Dollar Cost Averaging Wins

11:06 – Diversification Saves Portfolios

12:46 – The Quote That Changes Everything

14:10 – Borrow Don't Sell

15:24 – Keep Your Portfolio AND Buy More

17:14 – Flip These Mistakes Into Strategies

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If You Don't Have Wealth by 2030, It May Be Too Late! | Episode 251 May 28, 2026

Show notes

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

If you're not actively building wealth right now, the window to do it may be closing faster than you think.

With AI eliminating millions of jobs, the cost of living skyrocketing, and the wealth gap widening every single year — the next five years will determine your financial future for the rest of your life. We sit down with Xavier Miller — Air Force veteran, real estate investor, digital asset investor, and founder of the Millionaire Mindset Podcast with over 10 million downloads — to break down exactly what it takes to go from a broke mindset to a millionaire mindset, why 2030 is the deadline you need to take seriously, and the specific moves you need to make right now to protect your financial future.

Timecodes:

[0:00] Intro – Xavier Miller [1:51] Broke Mindset vs. Millionaire Mindset [3:01] How to Maintain Desire When Life Hits [4:09] Discipline Your Environment [7:30] How the Military Forced Xavier's Wake-Up Call [9:24] The Moment He Decided to Change [10:29] How to Bring Future Pain Into the Present [13:22] Why Most People Start Too Late [15:01] Write Your Will — The Exercise That Humbles You [18:32] It's Never Been Easier to Make Money or Do Nothing [19:44] Why Getting Wealthy Is About to Get Much Harder [22:05] The Mouse, the Cheese & the Cat (Why Fear Motivates) [25:29] Where to Start If You Feel Overwhelmed [29:52] Crypto vs. Real Estate — Xavier's Bet [34:39] Why Black People Can't Afford to Wait [39:23] Top Traits of Ultra-Successful People [44:04] You Cannot Be Soft in Business [46:23] Tough Conversations Make You Richer [50:09] What Being a Melanin Millionaire Means

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What To Do With Your First Six Figures (Before You Blow It) | Episode 250 May 20, 2026

Show notes

Join us for the 5-Day Wealth Workshop and learn how to apply what you’ve heard on the show.

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

You finally crossed six figures — now what? In this episode of the Melanin Money Show, wealth manager George Acheampong and financial strategist Carter Cofield go head to head in a versus format, answering your most pressing money questions live.

They break down the exact financial moves you should make once you hit six figures, why having $275,000 sitting in a bank account is actually a risky move, and the real difference between an S Corp and a C Corp for business owners doing a million dollars in revenue.

They also tackle RSUs and what to do before they vest, whether a revocable trust actually protects your business, and the W2 versus 1099 debate that every high earner needs to understand before making the switch.

Every Black Family Should Know This About Protecting Their Money | Episode 249 May 15, 2026

Show notes

Join us for the 5-Day Wealth Workshop and learn how to apply what you’ve heard on the show.

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

Most people spend their entire lives building wealth. Almost nobody learns how to protect it.

In this episode of the Melanin Money Show, live from the New York Stock Exchange, we sit down with Chanise Anderson— wealth attorney and asset protection strategist — to have the conversation most Black families never get access to.We're talking trusts, LLCs, holding companies, estate planning, and the legal infrastructure that separates families who build generational wealth from families who lose it all by the third generation!

Timecodes:

00:00 — Why We Skip Estate Planning

03:45 — Build Wealth Like Legos

08:20 — The $250,000 Avoidable Mistake

14:10 — What's Inside a Real Estate Plan

19:30 — Advanced Trusts for High Earners

25:15 — When You Die: Your Business

31:40 — Holding Company vs Parent Company

37:00 — The LLC That Actually Protects

43:20 — Your Home and Taxes Truth

48:45 — Who Needs Offshore Strategies

54:10 — Fund Your Trust Correctly

59:30 — Wealth That Lasts 6 Generations

1:05:00 — Hire Your Kids Legally

1:10:20 — What Your Kids Must Know

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Borrow & NEVER PAY TAXES! | Episode 248 May 06, 2026

Show notes

Join us for the 5-Day Wealth Workshop and learn how to apply what you’ve heard on the show.

https://www.joinwealthworkshop.com/register?el=video1032626&utm_source=direct_to_ticket&utm_medium=audio248

How does the buy, borrow, die strategy actually work for someone making six figures? Should you split your 401k contributions between Roth and Traditional — and by how much? On Part 2 of Ask an Advisor, Carter and George answer the real investing questions their workshop clients and wealth weekend attendees have been asking. No fluff. No oversimplification. Just expert-level answers in real time from two advisors who work with these strategies every single day.

This episode covers the buy, borrow, die strategy, brokerage account borrowing, the Roth vs Traditional 401k split, real estate vs REITs, and a masterclass on your four options for rolling over an old employer 401k. If you've ever had money sitting in an old retirement account and had no idea what to do with it — this episode is the one!

Most People Want To Retire Early- This Is How You Do It | Episode 247 Apr 30, 2026

Show notes

Most people say they want to retire early — but they're not making the decisions that get them there. In this episode, George sits down with Chris Sain, one of the fastest-growing finance creators in the game, live at the New York Stock Exchange. Chris breaks down exactly how he and his wife retired in their 40s on less than $100K combined income, built a 50,000-member investing community, and generated millions without running a single ad.

This conversation goes deep on the mindset shifts, money moves, and wealth-building strategies that most people overlook — including how to pick winning stocks before Wall Street catches on, why who you marry determines your net worth, and what it really takes to go from saving $13,000 a year to full financial freedom.

In this episode you'll learn:

The exact savings and investing framework Chris used to retire early
Why your spouse is your most important financial decision
How Chris identified Palantir at $8 before it hit $220
The difference between investing and trading — and which one to start with
Why the riskiest financial move is not being in the market at all
How NIL money is creating a financial literacy crisis for young athletes
The technical analysis strategy Chris uses inside the Quiet Wealth Club
What it means to build generational wealth starting at birth

Connect with Chris Sain: Quiet Wealth Club on Patreon | YouTube: @ChrisSain

Connect with Melanin Money: Website: melaninmoney.com | Instagram: @melaninmoney | YouTube: @melaninmoney

#MelaninMoney #ChrisSain #EarlyRetirement #WealthBuilding #StockMarket #BlackWealth #FinancialFreedom #Investing #QuietWealthClub #GenerationalWealth #PersonalFinance #FIRE #BlackEntrepreneurs #WallStreet #MoneyMindset

You're Tipping the IRS Every Year and Don't Even Know It! | Episode 246 Apr 23, 2026

Show notes

Your CPA might be costing you thousands — and you don't even know it. In this episode of the Melanin Money Show, Carter and George answer the real questions their top clients are asking, live and unfiltered.

From the $21,420 difference between an LLC and an S Corp, to why putting your rental property in an S Corp could cost your family $180,000 — this is the tax advice most people never get access to.

Plus: the art donation strategy billionaires use, how donor-advised funds let you give smart and save big, and why filing a tax extension might be the best financial move you make this year.

In this episode:

S Corp vs LLC — the real tax difference nobody talks about

Why your real estate should NEVER be in an S Corp

How to use a tax extension to max out retirement accounts

Donor-advised funds explained (and why they beat regular giving)

The art donation strategy used by billionaires

Private family foundations — what they are and who they're for

Stop tipping the IRS — invest it, give it, or keep it

Join our free 5-Day Wealth Workshop:

Timecodes

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