Advertise on podcast: Melanin Money Show

This is where the Melanin Money strategies come together. Join us for the 5-Day Wealth Workshop and learn how to apply what you’ve heard on the show. Sign up here ⬇️ https://www.joinwealthworkshop.com/register?el=video2020526&utm_source=direct_to_ticket&utm_medium=yt Timecodes 0:00 What Allowed You to See You'd Be a Millionaire on $36K Salary 1:01 Millionaire Mentors Showed Me How Real Millionaires Live 1:48 Common Mistakes People Make After Hitting $100K 2:21 People Focus on Income Not Wealth 3:01 It's Frugal to You Make It Not Fake It to Make It 3:42 How to Unwind Trauma Before It Destroys Your Financial Health 4:25 Our Mindset Was Infected in 1619 Like a Virus 5:16 Four Steps to Transform Your Mindset and Millionaire Values 6:29 You Have to Change Your Environment First 7:36 Change Your Programming Through What You Read and Watch 8:44 Practice Different Habits to See Different Results 10:12 It Takes Time to Change Your Mindset 12:48 The Strip Club Experiment Watching Money Get Thrown Away 19:06 Jermaine Dupri Was Spending $10K a Week at Strip Clubs 19:53 Jeff Bezos Wouldn't Throw Money Away He Knows Opportunity Cost 20:34 Being Wealthy Is More Important Than Looking Wealthy 21:33 We Need to Shift Our Values and Priorities 22:19 Everyday Millionaires Need to Be More Visible 23:33 Top Three Money Lessons From Wealthy Mentors 24:22 Listen to Your Mentors Even When You Don't Want To Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

AI stocks are currently at an all-time high, significantly impacting the entire stock market. We're live at the NYCE discussing if this surge indicates an AI bubble, and what it means for investing. This market analysis provides crucial insights into the current economy and the potential implications of this AI revolution. This is where the Melanin Money strategies come together. Join us for the 5-Day Wealth Workshop and learn how to apply what you’ve heard on the show. Sign up here ⬇️ https://www.joinwealthworkshop.com/register?el=video2012226&utm_source=direct_to_ticket&utm_medium=yt Timecodes 0:00 Are We in an AI Bubble in 2026? 0:34 New York Stock Exchange Texas 100th Listing 1:02 AI Valuations Continue to Climb at All Time Highs 1:49 PE Ratios at Record Highs and Companies Inflating Each Other 2:16 The Buffett Indicator Compares GDP to Stock Market 3:02 Stock Market Is Worth 2X More Than US Economy 3:28 2007 Housing Crisis Buffett Indicator Was 106% 4:01 2000 Dot Com Bubble Buffett Indicator Was 143% 4:32 2025 Buffett Indicator Hit 225% All Time High 5:29 You Have to Dance When the Music Is Playing 6:09 AI Companies Invested $500 Billion Made $50 Billion 7:21 Microsoft Spent $80 Billion on AI This Year 8:12 Meta Ordered 600000 Nvidia GPUs for AI 9:06 Nvidia PE Ratio Shows Massive Overvaluation 10:18 Most AI Revenue Is Companies Buying From Each Other 11:48 How to Survive and Thrive During Market Corrections 13:12 Keep 80% Invested and 20% in Opportunity Fund 15:06 Never Sell During Market Downturns Buy More 17:18 Lower Your Cost Basis During Corrections 19:27 More Money Lost Predicting Crashes Than Staying Invested 20:50 Buy High Value Stocks Only on Pullbacks 22:02 Allocate 20% to Underperforming Sectors 22:44 Automate Your Investments Monthly for Dollar Cost Averaging 24:18 Market Downturns Are the Biggest Wealth Building Opportunities Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

This is where the Melanin Money strategies come together. Join us for the 5-Day Wealth Workshop and learn how to apply what you’ve heard on the show. Sign up here ⬇️ https://www.joinwealthworkshop.com/register?el=vide2o011526&utm_source=direct_to_ticket&utm_medium=yt Timecodes 0:00 Most People Have an Allocation Problem Not Income Problem 0:32 Riches vs Wealth: Income Doesn't Create Wealth 1:22 Your Paycheck Is Your First Business Partner 2:16 The 3 Account System: Fixed Expenses Emergency Wealth 2:43 Past Commitments Account: 50% of Your Paycheck 3:31 Why Investment Transfers Should Come From Your Bill Account 4:02 Emergency Fund: Keep It Invested Not Cash 4:53 Should These Be Separate Bank Accounts? 5:38 How to Set Up Direct Deposit to Multiple Accounts 6:44 The Major Expense Bucket and Everyday Spending 8:12 Calculate Your Disposable Income After All Buckets 9:45 Why Most People Fail at Investing Consistently 11:24 Dollar Cost Averaging Beats Lump Sum Timing 13:42 The Opportunity Cost of Waiting to Invest 15:30 How to Use AI to Audit Your Spending Habits 17:36 Step 1: Audit Your Spending With AI Tools 19:24 Step 2: Automate Your Investing Every Month 21:14 Step 3: Max Out Roth IRA 401k and HSA 22:24 Step 4: Invest in a Flexible Brokerage Account 23:09 Borrow Against Your Portfolio to Buy Real Estate 24:25 Comment Blueprint for the Wealth Builder Guide Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

This is where the Melanin Money strategies come together. Join us for the 5-Day Wealth Workshop and learn how to apply what you’ve heard on the show. Sign up here ⬇️ https://www.joinwealthworkshop.com/register?el=video010826&utm_source=direct_to_ticket&utm_medium=yt Timecodes 0:00 Top Stock Picks of 2026 from the NYSE 0:32 Educational Disclaimer and Research Context 0:54 Key Market Trends to Watch in 2026 1:44 Why Small Caps May Recover This Year 2:11 Energy and Infrastructure Demand Rising 2:39 Why We Picked Stocks Across Different Sectors 3:06 Avoiding Concentrated Risk in the Magnificent 7 3:37 Pick #1: Semiconductor Leaders 4:03 Why Nvidia Remains the AI Infrastructure Backbone 4:55 Nvidia's Long-Term Position in Accelerated Computing 5:50 Multiply Your Money Challenge Announcement 6:16 Pick #2: AMD as the Nvidia Alternative 7:12 Pick #3: Cloud Computing Giants 8:06 Why Microsoft Dominates Enterprise AI 9:00 Amazon Web Services Growth Potential 9:48 Pick #4: AI Beneficiaries Beyond Tech 10:36 Utility Stocks Powering AI Data Centers 11:24 Southern Company's Energy Infrastructure Play 12:12 Pick #5: Energy Transition Leaders 13:00 NextEra Energy's Renewable Power Dominance 13:48 Why Clean Energy Demand Will Surge 14:36 Pick #6: Small Cap Recovery Plays 15:24 IJR Russell 2000 ETF Explained 16:12 Small Caps as the G-League of Investing 17:00 IWN Russell 2000 Value ETF Alternative 17:54 Pick #7: International Growth Markets 18:18 Why You Need Global Exposure in Your Portfolio 18:39 VXUS International Equities ETF Breakdown 19:31 How International Holdings Smooth Out Volatility 20:16 The Portfolio Allocation Strategy Breakdown 21:05 40% Big Tech and Infrastructure Allocation 21:52 20% AI Beneficiaries for Innovation Exposure 22:18 20% Small Caps and 20% International Split 23:14 Subscribe and Share for More Equity Conversations Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

This is where the Melanin Money strategies come together. Join us for the 5-Day Wealth Workshop and learn how to apply what you’ve heard on the show. Sign up here ⬇️ https://www.joinwealthworkshop.com/registerel=video2122525&utm_source=direct_to_ticket&utm_medium=yt Learn more about Rahkim's Work " Overcoming Financial Trauma" https://www.overcomingfinancialtrauma.com Money decisions aren’t just about numbers — they’re shaped by experiences, stress, and emotional patterns most people never notice. In this episode, we explore how financial trauma forms, how it shows up in everyday money behavior, and why people often repeat the same patterns even when they know better. If money feels heavier or more emotional than it should, this conversation helps explain why — and where those reactions come from. Timecodes 00:00 Why Money Is Not Your Worth 01:08 Introducing Rahkim Sabree 02:56 Experiencing Financial Trauma in Real Time 04:18 What Financial Trauma Really Is 05:43 Financial Trauma in the Black Community 08:13 Net Worth vs Self-Worth 10:40 First-Generation Success and Envy 13:08 The Six Sources of Financial Trauma 17:18 Institutional and Systemic Trauma 26:30 Healing Without Letting Trauma Define You 36:12 Emotional Spending and Self-Sabotage 56:44 Final Thoughts on Financial Healing Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

This is where the Melanin Money strategies come together. Join us for the 5-Day Wealth Workshop and learn how to apply what you’ve heard on the show. Sign up here ⬇️ https://www.joinwealthworkshop.com/register?el=video2122525&utm_source=direct_to_ticket&utm_medium=yt A look back at the conversations, lessons, and moments that defined Melanin Money in 2025. Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

If you want to learn how high earners legally multiply their money and keep more of it, watch the free training here. It breaks down the exact tax and wealth strategies most people never get access to. https://www.cofieldspeaks.com/optinxdx5e5vf?el=video2121825 Most people don’t have an income problem. They have a spending problem that quietly kills long term wealth. Timecodes 00:00 The Hidden Cost of Everyday Spending 01:21 The Opportunity Cost Most People Ignore 02:39 Amazon Purchases vs Owning Amazon Stock 04:41 Upgrading iPhones vs Owning Apple 07:20 Status Spending and the Wealth Delay 10:13 The Tesla Example That Changes Everything 12:44 Spend First or Invest First 13:31 Why Opportunity Cost Changes Every Decision 14:48 Trading Money vs Trading Your Life Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

Want to learn more from Larry Jones? Join his Stock Up University by clicking the link below. Use code "money" for a special discount! 👇 https://stock-up-u.teachable.com/ Financial success isn’t random — it’s the predictable result of clear decisions, long-term thinking, and avoiding the traps that most people fall into. Larry Jones ( @STOCKUPwithLarryJones ) breaks down the exact principles that helped him turn setbacks into wealth: understanding valuations, using retirement accounts strategically, building consistency with ETFs, avoiding lifestyle inflation, and keeping emotions out of investing. But this conversation also reveals the darker side of money — the patterns that keep people stuck no matter how much they earn. If you’ve ever felt behind or unsure of what to do next, Larry’s insights cut through the noise and show where most people go wrong. Timecodes 00:00 Intro Mindset Rich vs Poor 02:01 How Larry Started From Zero in 2020 03:31 Where He Thinks the Market Goes in 2026 04:41 Swing Trades vs Long-Term Investing 06:25 The 1700 Percent Trade Story 08:21 How He Turned Profits Into Tax-Free Wealth 09:50 Breaking Down Backdoor and Mega Backdoor Roths 12:34 Taxes, Wealth, and Thinking Long-Term 14:42 Lifestyle Choices That Actually Build Wealth 17:07 Why Anyone Can Still Win in the Market 22:58 The Blueprint to Your First 1 Million 27:33 Why Side Hustles Matter More Than People Think 30:34 How to Use Opportunity Funds the Right Way 32:37 Understanding Market Cycles the Smart Way 33:48 What Being a Melanin Millionaire Means 35:51 How to Get Started With Larry’s Framework Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

Book a strategy session with the team: https://www.cofieldspeaks.com/optinxdx5e5vf?el=video2120425 Boutique hotels are the most overlooked asset in real estate right now. Here’s how outdated mom-and-pop properties get transformed into real cash-flow machines. Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en Chapters 00:00 Why Big Hotels Are Losing Travelers 00:28 Why Rich Chose Boutique Hotels 01:19 How Regular Investors Buy Hotels 02:04 Seller Financing Explained Simply 03:12 Why He Pivoted From Airbnbs 04:16 The First Boutique Hotel Deal 05:06 Doubling Revenue With Better Systems 06:02 The Baby Boomer Hotel Opportunity 07:33 How Airbnb Regulations Create Hotel Demand 08:50 The Levers That Increase Hotel Revenue 09:14 How AI Boosts Hotel Income 10:07 The AI Concierge Model 11:01 The Subscribe CTA Moment 11:51 How Boutique Hotels Compete With Big Brands 12:41 Influencer Stays As a Growth Strategy 13:34 Using Data to Improve the Guest Experience 14:22 Additional Revenue Streams in Hotels 15:35 Amenity Fees and Pricing Power 16:27 Forcing Appreciation Through Operations 17:22 Unlocking Manager Units for Extra Income 18:38 Removing On-Site Managers to Increase NOI 19:30 How Rich’s Hotel Fund Works 20:18 The Hotel Investing Community 21:35 The Tax Benefits of Hotel Ownership 22:54 The Risks of Hotel Investing 23:51 How the Community Sources Deals 24:51 Exit Strategy and Long-Term Plan 26:56 Why Boutique Hotels Are a Wealth Vehicle 33:33 What Being a Melanin Millionaire Means 34:29 How to Find and Follow Rich Somers 35:16 Rich’s Favorite Hotel To Stay At

Book a strategy session with the team: https://www.cofieldspeaks.com/optinxdx5e5vf?el=video2112625 If you want to win in 2026, you need the right plan. This video breaks down the mistakes to avoid and the shifts to make before the next cycle hits. Timecodes 00:00 Start 00:42 Why Most Investors Lose by Default 01:28 The Two Rules of Wealth 02:05 How Accounts Shape Your Wealth 03:10 IRA vs Roth IRA Explained Simply 04:32 The Biggest IRA Mistake People Make 05:46 How a 401k Really Works 07:26 How to Maximize Your Employer Match 08:40 The Solo 401k Advantage 10:05 How Business Owners Can Save 70k in Taxes 11:24 Why Entrepreneurs Need Their Own Retirement Plan 12:36 Borrowing From vs Borrowing Against Investments 14:15 The Line of Credit Strategy That Changes Everything 15:39 How to Invest Without Triggering Taxes 17:02 Interest Rate Arbitrage Explained 18:20 Why Billionaires Never Sell Their Assets 19:17 What Ordinary Investors Can Learn From Elon Musk 20:05 Understanding the Rules of the Wealth Game 21:21 Why Money Is Neutral Until You Use It 22:12 Inside the Index Strategy 23:30 Why ETFs Work 24:19 Bet More on the Winners 25:30 Stock Breakdown: Palantir 26:22 Stock Breakdown: Oracle 27:35 Why Your Money Should Be Working Harder Than You Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

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 Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

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? Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

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 Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

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 Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en

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=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 Follow us for more value https://www.instagram.com/cofield_advisor/?hl=en https://www.instagram.com/georgeacheampongjr/?hl=en