Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams.

Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

🔑 Key Themes & Takeaways 1. OneUnited Bank’s Mission & Reach

• Formed by merging four Black-owned banks in Boston, Miami, and Los Angeles.
• First Black-owned digital bank (since 2005).
• Serves customers in all 50 states.
• Offers accessible, affordable financial services and promotes financial literacy.

2. Digital Banking for Underserved Communities

• OneUnited provides:
  • Mobile check deposit (via smartphone).
  • Early direct deposit (get paid 2 days early).
  • Access to 100,000+ surcharge-free ATMs (including Walgreens, 7-Eleven, Chase, Citibank).
• Designed to combat financial deserts and predatory check-cashing services in Black communities.

3. Financial Literacy & Trust

• Teri emphasizes the need for Black communities to trust Black-owned institutions.
• OneUnited is FDIC-insured and uses cutting-edge technology, including AI.
• Financial literacy is key to building generational wealth.

4. WiseOne AI Tool

• An AI-powered financial assistant that:
  • Tracks spending and subscriptions.
  • Offers insights on saving and debt reduction.
  • Aggregates data from multiple accounts to show net worth, cash flow, and financial health.

5. Youth Financial Literacy – “I Got Bank” Contest

• 15th annual contest for kids ages 8–12.
• Participants submit an essay or artwork based on a financial literacy book.
• Ten winners receive $1,000 savings accounts.
• Book: I Got Bank by Teri Williams (available free at oneunited.com/book).

6. OneTransaction Concept

• Focuses on six key financial transactions to build generational wealth:
  1. Homeownership
  2. Life Insurance
  3. Investments
  4. Profitable Business
  5. Credit Score
  6. Savings
• Encourages individuals to focus on just one to start their wealth-building journey.
• Learn more: oneunited.com/onetransaction

💬 Notable Quotes

• “We are a real bank, not a fintech. We are FDIC-insured.”
• “We are great with money. We just haven’t always had access.”
• “Focus on one transaction. That’s all it takes to start building generational wealth.”

#SHMS #STRAW #BEST #AMI

Support the show: https://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Dr. Leola Anifowoshe.

🎯 Purpose of the Interview

The interview aims to:

• Educate listeners on the science and solutions behind hair loss.
• Introduce Dr. Leola Anifowoshe’s work in functional medicine, trichology, and holistic hair restoration.
• Share her personal journey and expertise.
• Promote her clinic, products, and diagnostic approach to hair and scalp health.

🧠 Key Takeaways 1. Hair Loss is Treatable and Often Misunderstood

• Hair follicles may be dormant, not dead—where there’s life, there’s hope.
• Hair loss is often a symptom of deeper health issues, such as stress, inflammation, or liver dysfunction.

2. Holistic and Functional Approach

• Dr. Leola emphasizes testing over guessing.
• Her clinic uses microscopic scalp analysis, cell inflammation tests, and custom treatment plans.
• She avoids pharmaceuticals, relying on natural remedies and nutraceuticals.

3. Hair Loss as a Health Crisis

• Especially prevalent among Black women, often due to scarring alopecia from early perms.
• The American Hair Loss Association had not studied this demographic adequately.

4. Innovative Technology

• Her clinic developed a patented machine called the ResourciStation, which:
  • Diagnoses scalp conditions.
  • Removes debris.
  • Stimulates follicles.
  • Can transform salons into restoration centers.

5. Personal Story and Motivation

• Dr. Leola experienced hair loss due to sarcoidosis, a form of lupus.
• Her husband’s reaction to her baldness inspired her to create effective products.
• She was raised by blind family members, teaching her to rely on senses beyond sight, influencing her product development.

6. Product Highlights

• Ditch the Itch Shampoo: Detoxifies scalp.
• Smooth & Restore Conditioner: Nourishes hair strands.
• Awakening Complex: Stimulates dormant follicles using natural DHT blockers like pumpkin seed.
• Meltdown Scalp Oxygen Foam: Clears buildup and energizes follicles.

💬 Notable Quotes

• “Where there’s life, there’s hope—as it relates to hair follicles.”
• “Hair loss is a bully. You can’t fight it with a butter knife.”
• “We don’t guess—we test.”
• “Hair loss is a whistleblower—it tells you something deeper is wrong.”
• “I kill men back their wives. I give women back their husbands.”
• “I was born on the 4th of July. I was born for this.”
• “You can’t out-give God. Create a vacuum effect—give something to get something.”

🌱 Emotional and Cultural Impact

• Dr. Leola’s work is deeply rooted in community healing, especially for underserved populations.
• She challenges mainstream dermatology and beauty standards, advocating for natural, culturally aware solutions.
• Her clinic offers telehealth, making her services accessible nationwide.

#SHMS #STRAW #BEST

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

See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams.

Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

🔑 Key Themes & Takeaways 1. OneUnited Bank’s Mission & Reach

• Formed by merging four Black-owned banks in Boston, Miami, and Los Angeles.
• First Black-owned digital bank (since 2005).
• Serves customers in all 50 states.
• Offers accessible, affordable financial services and promotes financial literacy.

2. Digital Banking for Underserved Communities

• OneUnited provides:
  • Mobile check deposit (via smartphone).
  • Early direct deposit (get paid 2 days early).
  • Access to 100,000+ surcharge-free ATMs (including Walgreens, 7-Eleven, Chase, Citibank).
• Designed to combat financial deserts and predatory check-cashing services in Black communities.

3. Financial Literacy & Trust

• Teri emphasizes the need for Black communities to trust Black-owned institutions.
• OneUnited is FDIC-insured and uses cutting-edge technology, including AI.
• Financial literacy is key to building generational wealth.

4. WiseOne AI Tool

• An AI-powered financial assistant that:
  • Tracks spending and subscriptions.
  • Offers insights on saving and debt reduction.
  • Aggregates data from multiple accounts to show net worth, cash flow, and financial health.

5. Youth Financial Literacy – “I Got Bank” Contest

• 15th annual contest for kids ages 8–12.
• Participants submit an essay or artwork based on a financial literacy book.
• Ten winners receive $1,000 savings accounts.
• Book: I Got Bank by Teri Williams (available free at oneunited.com/book).

6. OneTransaction Concept

• Focuses on six key financial transactions to build generational wealth:
  1. Homeownership
  2. Life Insurance
  3. Investments
  4. Profitable Business
  5. Credit Score
  6. Savings
• Encourages individuals to focus on just one to start their wealth-building journey.
• Learn more: oneunited.com/onetransaction

💬 Notable Quotes

• “We are a real bank, not a fintech. We are FDIC-insured.”
• “We are great with money. We just haven’t always had access.”
• “Focus on one transaction. That’s all it takes to start building generational wealth.”

#SHMS #STRAW #BEST #AMI

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

See omnystudio.com/listener for privacy information.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Dr. Leola Anifowoshe.

🎯 Purpose of the Interview

The interview aims to:

• Educate listeners on the science and solutions behind hair loss.
• Introduce Dr. Leola Anifowoshe’s work in functional medicine, trichology, and holistic hair restoration.
• Share her personal journey and expertise.
• Promote her clinic, products, and diagnostic approach to hair and scalp health.

🧠 Key Takeaways 1. Hair Loss is Treatable and Often Misunderstood

• Hair follicles may be dormant, not dead—where there’s life, there’s hope.
• Hair loss is often a symptom of deeper health issues, such as stress, inflammation, or liver dysfunction.

2. Holistic and Functional Approach

• Dr. Leola emphasizes testing over guessing.
• Her clinic uses microscopic scalp analysis, cell inflammation tests, and custom treatment plans.
• She avoids pharmaceuticals, relying on natural remedies and nutraceuticals.

3. Hair Loss as a Health Crisis

• Especially prevalent among Black women, often due to scarring alopecia from early perms.
• The American Hair Loss Association had not studied this demographic adequately.

4. Innovative Technology

• Her clinic developed a patented machine called the ResourciStation, which:
  • Diagnoses scalp conditions.
  • Removes debris.
  • Stimulates follicles.
  • Can transform salons into restoration centers.

5. Personal Story and Motivation

• Dr. Leola experienced hair loss due to sarcoidosis, a form of lupus.
• Her husband’s reaction to her baldness inspired her to create effective products.
• She was raised by blind family members, teaching her to rely on senses beyond sight, influencing her product development.

6. Product Highlights

• Ditch the Itch Shampoo: Detoxifies scalp.
• Smooth & Restore Conditioner: Nourishes hair strands.
• Awakening Complex: Stimulates dormant follicles using natural DHT blockers like pumpkin seed.
• Meltdown Scalp Oxygen Foam: Clears buildup and energizes follicles.

💬 Notable Quotes

• “Where there’s life, there’s hope—as it relates to hair follicles.”
• “Hair loss is a bully. You can’t fight it with a butter knife.”
• “We don’t guess—we test.”
• “Hair loss is a whistleblower—it tells you something deeper is wrong.”
• “I kill men back their wives. I give women back their husbands.”
• “I was born on the 4th of July. I was born for this.”
• “You can’t out-give God. Create a vacuum effect—give something to get something.”

🌱 Emotional and Cultural Impact

• Dr. Leola’s work is deeply rooted in community healing, especially for underserved populations.
• She challenges mainstream dermatology and beauty standards, advocating for natural, culturally aware solutions.
• Her clinic offers telehealth, making her services accessible nationwide.

#SHMS #STRAW #BEST

See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams.

Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

🔑 Key Themes & Takeaways 1. OneUnited Bank’s Mission & Reach

• Formed by merging four Black-owned banks in Boston, Miami, and Los Angeles.
• First Black-owned digital bank (since 2005).
• Serves customers in all 50 states.
• Offers accessible, affordable financial services and promotes financial literacy.

2. Digital Banking for Underserved Communities

• OneUnited provides:
  • Mobile check deposit (via smartphone).
  • Early direct deposit (get paid 2 days early).
  • Access to 100,000+ surcharge-free ATMs (including Walgreens, 7-Eleven, Chase, Citibank).
• Designed to combat financial deserts and predatory check-cashing services in Black communities.

3. Financial Literacy & Trust

• Teri emphasizes the need for Black communities to trust Black-owned institutions.
• OneUnited is FDIC-insured and uses cutting-edge technology, including AI.
• Financial literacy is key to building generational wealth.

4. WiseOne AI Tool

• An AI-powered financial assistant that:
  • Tracks spending and subscriptions.
  • Offers insights on saving and debt reduction.
  • Aggregates data from multiple accounts to show net worth, cash flow, and financial health.

5. Youth Financial Literacy – “I Got Bank” Contest

• 15th annual contest for kids ages 8–12.
• Participants submit an essay or artwork based on a financial literacy book.
• Ten winners receive $1,000 savings accounts.
• Book: I Got Bank by Teri Williams (available free at oneunited.com/book).

6. OneTransaction Concept

• Focuses on six key financial transactions to build generational wealth:
  1. Homeownership
  2. Life Insurance
  3. Investments
  4. Profitable Business
  5. Credit Score
  6. Savings
• Encourages individuals to focus on just one to start their wealth-building journey.
• Learn more: oneunited.com/onetransaction

💬 Notable Quotes

• “We are a real bank, not a fintech. We are FDIC-insured.”
• “We are great with money. We just haven’t always had access.”
• “Focus on one transaction. That’s all it takes to start building generational wealth.”

#SHMS #STRAW #BEST #AMI

See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams.

Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:

🔑 Key Themes & Takeaways 1. OneUnited Bank’s Mission & Reach

• Formed by merging four Black-owned banks in Boston, Miami, and Los Angeles.
• First Black-owned digital bank (since 2005).
• Serves customers in all 50 states.
• Offers accessible, affordable financial services and promotes financial literacy.

2. Digital Banking for Underserved Communities

• OneUnited provides:
  • Mobile check deposit (via smartphone).
  • Early direct deposit (get paid 2 days early).
  • Access to 100,000+ surcharge-free ATMs (including Walgreens, 7-Eleven, Chase, Citibank).
• Designed to combat financial deserts and predatory check-cashing services in Black communities.

3. Financial Literacy & Trust

• Teri emphasizes the need for Black communities to trust Black-owned institutions.
• OneUnited is FDIC-insured and uses cutting-edge technology, including AI.
• Financial literacy is key to building generational wealth.

4. WiseOne AI Tool

• An AI-powered financial assistant that:
  • Tracks spending and subscriptions.
  • Offers insights on saving and debt reduction.
  • Aggregates data from multiple accounts to show net worth, cash flow, and financial health.

5. Youth Financial Literacy – “I Got Bank” Contest

• 15th annual contest for kids ages 8–12.
• Participants submit an essay or artwork based on a financial literacy book.
• Ten winners receive $1,000 savings accounts.
• Book: I Got Bank by Teri Williams (available free at oneunited.com/book).

6. OneTransaction Concept

• Focuses on six key financial transactions to build generational wealth:
  1. Homeownership
  2. Life Insurance
  3. Investments
  4. Profitable Business
  5. Credit Score
  6. Savings
• Encourages individuals to focus on just one to start their wealth-building journey.
• Learn more: oneunited.com/onetransaction

💬 Notable Quotes

• “We are a real bank, not a fintech. We are FDIC-insured.”
• “We are great with money. We just haven’t always had access.”
• “Focus on one transaction. That’s all it takes to start building generational wealth.”

#SHMS #STRAW #BEST #AMI

See omnystudio.com/listener for privacy information.

KevOnStage (Kevin Fredricks) sits down with entertainers, athletes, entrepreneurs and comedians to explore their "Not My Best Moment." The low points in life or career that unexpectedly led to growth, blessings or major wins.

Listen here and subscribe to Not My Best Moment with KevOnStage on the iHeartRadio app or wherever you get your podcasts!

Support the show: https://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

KevOnStage (Kevin Fredricks) sits down with entertainers, athletes, entrepreneurs and comedians to explore their "Not My Best Moment." The low points in life or career that unexpectedly led to growth, blessings or major wins.

Listen here and subscribe to Not My Best Moment with KevOnStage on the iHeartRadio app or wherever you get your podcasts!

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

See omnystudio.com/listener for privacy information.

KevOnStage (Kevin Fredricks) sits down with entertainers, athletes, entrepreneurs and comedians to explore their "Not My Best Moment." The low points in life or career that unexpectedly led to growth, blessings or major wins.

Listen here and subscribe to Not My Best Moment with KevOnStage on the iHeartRadio app or wherever you get your podcasts!

See omnystudio.com/listener for privacy information.