Melanin Money Show

Latest Episodes:

How Golf Opens Doors for Black Professionals | Episode 225 Nov 20, 2025

Show notes

Join us on November 22nd as we host out 1 Day Workshop from 10am - 5pm EST as we teach you not only how to build wealth but to save on taxes 👇

https://www.joinwealthworkshop.com/register-now?el=video1112025

If you’ve ever felt like certain rooms, relationships, or opportunities were out of reach… this conversation will shift your perspective. Golf isn’t just a sport. It’s one of the most overlooked access points for Black professionals to build wealth, network with intention, and open doors that traditional paths can’t.

Timecodes

00:00 The Story Behind Eastside Golf

03:10 How Earl First Got Into Golf

05:00 What Golf Opens Up for Your Career

07:00 Changing the Mindset Around Golf

09:00 How Golf Expanded Earl’s Opportunities

12:00 From Golf Pro to Working in the Mayor’s Office

14:30 Building HBCU Week and Increasing Access

17:30 Making Golf Culturally Relevant

19:30 Why Representation in Golf Matters

21:00 The Birth of Eastside Golf

24:00 Creating a New Lane in Golf Culture

27:00 The Jordan Brand Collaboration Story

30:00 High-Level Partnerships and Brand Growth

33:00 Giving Back and Supporting HBCUs

36:00 Community Day and Expanding Access

39:00 Why Golf Is More Affordable Than People Think

41:00 Breaking Stereotypes in Golf

44:00 Building Loyalty Through Customer Care

47:00 The Power of Relationships in Business

50:00 What’s Next for Eastside Golf

52:00 Final Lessons for Entrepreneurs

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The Truth About Building an 8-Figure Company (You’re Not Ready) | Episode 224 Nov 14, 2025

Show notes

Want to learn the same tax-free wealth strategies used by high-net-worth clients?

Join the 5-Day Wealth Workshop.

https://www.joinwealthworkshop.com/register-now?el=video1111325

Most people see the highlight reel of entrepreneurship, but almost no one talks about the real price you pay on the way to building an 8-figure company. In this episode, we break down the pressure, responsibility, sacrifices, and tough conversations that come with leveling up from entrepreneur to true business owner. If you’ve ever wondered what success actually costs, this is the conversation you’ve been missing.

Timecodes

00:00 The Real Difference: Entrepreneur vs Business Owner

00:36 The Weight Behind Success

01:14 What It Actually Costs

02:08 The Highlight Reel Illusion

02:55 Low Lights You Never See

03:45 Shifting from Information to Implementation

04:41 Dark Seasons of Entrepreneurship

05:27 Payroll Pressure & Responsibility

06:42 The Realities of Leading a Team

07:04 Becoming a True Business Owner

08:17 Pressure, Standards & Seriousness

09:00 Building Real Infrastructure

10:08 Thinking Long-Term vs Short-Term

11:40 Partnerships Aren’t 50/50

12:33 When Your Team Depends on You

13:23 Value, Fulfillment & Appreciation

14:04 Your Business Only Grows as You Do

14:51 Missing Goals & Real Accountability

16:03 When Money Isn’t the Motivation

17:10 Contentment vs Chasing More

19:47 Freedom, Margin & Early Wins

21:17 Purpose Over Potential

22:31 The Dragons You Don’t Expect

23:50 The Hardest Part Is the Beginning

25:07 Fighting Bigger Battles with Better Tools

26:30 Why Partnership Matters

27:16 Your Gifts Fuel Others

28:06 How to Sustain a Partnership

29:25 Tough Conversations You Must Have

31:10 Why Partnerships Break

32:20 The Power of Alignment

33:06 Vulnerability in Leadership

35:02 There Is No 50/50

36:17 Carrying More When They Can’t

37:14 The Pressure of Being “The Strong One”

38:52 When Gratitude Turns Into Entitlement

41:02 The 3 Buckets Rule

43:20 Helping vs Hurting Someone

44:12 Why Most People Can’t Handle More

45:18 Winning the Game of Contentment

46:32 Setting Targets Before You Lose Yourself

47:19 What’s Being Squeezed Is YOU

48:37 The Real Price of “Success”

50:14 Why Some People Aren’t Willing to Pay It

51:34 Money Doesn’t Remove Problems

52:24 Getting Past Survival Mode

55:42 What This Journey Really Costs

56:09 Do You Actually Want This?

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Stop Using Your Investment Account Like This | Episode 223 Nov 07, 2025

Show notes

Join us on November 22nd as we host out 1 Day Workshop from 10am - 5pm EST as we teach you not only how to build wealth but to save on taxes 👇

https://www.joinwealthworkshop.com/register-now?el=video1110625

Most investors are using their accounts the wrong way, and it’s costing them thousands in lost growth and unnecessary taxes. In this video, we’re honored to film live from the floor of the New York Stock Exchange to show you how the wealthy actually use their investment accounts to access money without selling a single share.

Timecodes

00:00 You’re Using Your Investment Account Wrong

01:12 The Hidden Cost of Doing It Wrong

02:46 Why Most Investors Lose Without Realizing It

04:05 The Truth About “Long-Term” Investing

05:42 How the Wealthy Actually Use Their Accounts

07:10 Borrowing Against Assets: The Strategy Explained

08:53 Accessing Cash Without Selling Investments

10:26 The Tax Advantage Nobody Talks About

12:04 Real Example: How the Rich Stay Liquid

13:47 Why Advisors Don’t Teach You This

15:18 The Common Myths About Investment Accounts

16:40 How to Use This Strategy Safely

18:02 Building Wealth Without Losing Control

19:10 Stop Playing the Wrong Game

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Banks Are Cutting You Off — And You Don’t Even Know Why w/ Herman Dolcine | Episode 222 Oct 31, 2025

Show notes

Stop letting the IRS take more than it should. Join the 5-Day Wealth Workshop and learn the same tax strategies top entrepreneurs use to keep up to 100% of their income. Join the wealth work shop 👇

https://www.joinwealthworkshop.com/register?el=video2103125&utm_source=direct_to_ticket&utm_medium=yt

He’s helped entrepreneurs access over $100 million in funding — without relying on the banks. In this conversation, Herman Dolcine breaks down how AI is rewriting the rules of business credit, why banks are quietly cutting limits, and what you can do right now to make your business “bankable” in the age of AI lending. Watch before you apply for your next loan.

Chapters

00:00 The Great Pivot

00:27 The $100M Man Returns

01:39 Why Banks Are Tightening Up

03:14 Credit Line Cuts Everywhere

05:06 Think Like a Bank

06:13 How AI Is Changing Funding Forever

07:29 Build a Bankable Business Profile

08:36 Take the Bank on a Date

10:10 How to Get More Capital Without New Banks

11:03 The Mistakes That Burned the Play

13:02 The AI Funding Blueprint

15:08 Fix Your Credit with AI

17:22 You Won’t Do It Anyway

18:22 How the Wealthy Borrow Cheaper

21:06 The Billionaire’s Lesson on Taxes & Leverage

23:17 Live Off the Drip

25:22 The Same Game Works at Every Level

26:35 The Elon Musk Playbook

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Stocks You Should Invest In Before The End of 2025 | Episode 221 Oct 24, 2025

Show notes

https://www.joinwealthworkshop.com/register?el=video2102425&utm_source=direct_to_ticket&utm_medium=yt

Most investors think they’re diversified — but they’re not. The truth is, a handful of companies are carrying the entire market, and if you don’t own them, you’re falling behind. This video exposes why the S&P 500 keeps most people average, and what you can do before the end of 2025 to actually win.

Chapters

00:00 The Diversification Lie Everyone Believes

01:12 Why Most Investors Stay Average

02:40 The Truth About The S&P 500

04:03 How A Few Stocks Drive Everything

05:28 The Illusion Of “Safety” In Index Funds

07:06 What The Top 5 Stocks Are Actually Doing

08:51 How The Core-Satellite Strategy Works

10:37 The Difference Between Passive And Smart Investing

12:20 Why Concentration Beats Diversification

14:05 The Real Risk Of Following The Crowd

16:03 How To Build A Winning Portfolio In 2025

18:12 The 5 Stocks Leading The Market Boom

20:16 What Most People Still Don’t Understand

22:04 Why 2025 Could Change Everything

24:02 Final Thoughts And Action Plan

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Stop "Sitting" On Your Gift - THIS COULD MAKE YOU RICH | Episode 220 Oct 17, 2025

Show notes

This Is Your Chance To Shortcut Your Wealth-Building Journey By 10-20 Years 👇

https://www.joinwealthworkshop.com/register?el=video1101725&utm_source=direct_to_ticket&utm_medium=yt

Most people master business but never master themselves. In this conversation with Marcus Rosier, we break down how unchecked ego, emotional wounds, and comfort can quietly destroy your growth—even when your bank account says you’re winning. Watch this before success makes you soft.

Chapters

00:00 Who Is Marcus Rosier

02:14 Why Most Entrepreneurs Never Evolve Past Their Trauma

06:42 Building Success Without Losing Yourself

10:25 The Trap of Performing for Validation

14:10 When Business Growth Hides Personal Brokenness

18:37 Why Self-Awareness Is the Real Wealth

23:05 How Marcus Rebuilt His Identity from Scratch

28:20 Discipline vs. Comfort – The War Within

33:56 The Illusion of Balance and the Cost of Overworking

38:19 Why Money Exposes, Not Fixes, Character

43:02 The Difference Between Purpose and Productivity

48:10 Breaking Generational Patterns of Weakness

53:45 Why You Can’t Heal What You Hide

58:12 Final Thoughts – Building From Wholeness, Not Hustle

01:03:27 Closing – How to Connect with Marcus Rosier

How the Wealthy Legally Avoid Taxes (Live at NYSE) | Episode 219 Oct 10, 2025

Show notes

This FREE TRAINING will teach you how TO SAVE $25K IN TAXES & EARN $25K FROM INVESTMENTS IN 2025! https://class.melaninmoney.com/optin1745249338810?el=video1

Most investors miss these 5 accounts and lose thousands every year. We filmed this at the NYSE to show you exactly how the wealthy protect and multiply their money.

Chapters

00:00 Introduction from the NYSE

01:25 Why This Conversation Matters in 2025

03:10 The Five Accounts Every Investor Needs

05:45 Understanding How Each Account Works

08:20 The Psychology Behind Wealth Building

10:05 Tax Advantages the Wealthy Never Skip

12:48 How to Structure Accounts for Growth

15:22 Mistakes Most Investors Make Early On

17:35 Roth vs Traditional Explained Clearly

19:58 Why Diversification Still Matters

22:12 How to Legally Reduce Your Tax Burden

24:05 Setting Up Multiple Accounts the Right Way

26:10 Building Long-Term Financial Independence

28:05 Closing Thoughts from the NYSE Floor

Why Strong Credit Could Save You in 2026 ! w/ Kenney Conwell | Episode 218 Oct 02, 2025

Show notes

Join Our Multiply Your Money Worksop : class.melaninmoney.com?el=video1

How should you use credit to build real wealth? In this episode, with our guy Kenney Conwell, we break down why your credit profile could be your biggest asset going into 2026. If the economy takes a hit, strong credit gives you options while others are stuck.

We’ll talk about how credit can help you buy income-producing assets, why using it the right way matters, and simple steps to boost your fundability score. You’ll also learn our WEALTH framework (Wisdom, Equity, Assets, Leverage, Taxes, Hedge)—a simple way to think about building long-term security.

If you want to strengthen your credit, prepare for uncertain times, and put yourself in position to grab opportunities when they come, this episode is for you.

Don't Start A Business : Why Now Is the Best Time to Buy an EXISTING Business w/ Gamal Codner | Episode 217 Sep 25, 2025

Show notes

Join Our Multiply Your Money Worksop : class.melaninmoney.com?el=video1

Why start from scratch when you can hit the ground running? In our latest episode, we dive deep into why buying an established business can be a game-changer in wealth building. Say goodbye to startup struggles and hello to instant cash flow and reduced risk! Our Guest , Gamal Codner, dives deep into the world of business ownership. In this episode, we unpack the strategic advantages of buying an existing business versus starting one from the ground up.

Discover why purchasing an established business could save you from the high failure rates that plague new startups.
Learn how stepping into a business with a history allows you to bypass common pitfalls like product-market fit issues and cash flow struggles.
Understand the current market dynamics that make now a prime time to purchase businesses at a discount – with retiring baby boomers creating a surplus of opportunities.
Find out how you can start at the "finish line," entering into a business with immediate cash flow and established customer relationships.

and so much more!

"He Became A Millionaire Making Sandwiches!" w/ Derrick Hayes| Episode 216 Sep 19, 2025

Show notes

What if the key to a legacy worth millions began with a simple cheesesteak in a gas station? Discover the inspiring journey of Derrick Hayes, the man who turned a second chance into an opportunity, transforming lives and redefining success in the food industry! In this episode we will dive into:

The Power of Perseverance: Derrick shares how a pivotal moment at a Wendy’s drive-thru taught him the importance of financial independence, paving the way for his entrepreneurial path.
Building Big Dave's Cheesesteaks: Discover how starting from a modest gas station location evolved into a nationally recognized cheesesteak chain.
Family & Legacy: Hayes emphasizes the significance of family and how it drives a legacy of integrity and success.
Financial Foundations: Insights on the critical importance of understanding your business's bottom line and how to scale with financial literacy.
Franchise Models: Learn about Derrick’s approach to franchising and his aspirations for expanding Big Dave's globally.
Balancing Health, Wealth, and Family: Derrick talks about balancing personal life with professional obligations, investing in properties, and instilling entrepreneurship in his children.

and so much more!

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