Featuring: Tiffany “The Budgetnista” Aliche, New York Times Best Selling Author of “Get Good with Money”   Tiffany picks up on the topic of credit and debt and the key to making any credit score “jump like Jordan.” She also explains how the first five steps all tie into each other and work copacetically. Tiffany also goes over the last five steps to achieving financial wholeness: investing, learn to earn (next level adulting), insurance, net worth, and estate planning. Rounding out the discussion, Tiffany explains that being financially free is not the same as being financially whole. Financial wholeness is the path to building and maintaining wealth.

Featuring: Tiffany “The Budgetnista” Aliche, New York Times Best Selling Author of “Get Good with Money”   Tiffany discusses her system for financial wholeness and explains how to get good with money. Explaining that financial wholeness is comprised of ten components that create a foundation to build a financial lifeline, Tiffany covers the first five steps of her plan; money mindset, budgeting, savings, debt, and credit; breaking down each component into easy-to-understand steps to help anyone achieve their financial goals.

Featuring: Kevin Cohee, Chairman and CEO, OneUnited Bank, largest Black-owned bank, and Calvin Martyr, founder of #BlackOutDay2020, #BlackOutDay2021, and I Am We Global. Kevin and Calvin discuss marketing tactics and the merits of a traditional corporate approach compared to a grassroots/word of mouth approach. Calvin shares how social media and community engagement has the ability to push massive social movement. The pair then talk about profitability and consumer loyalty, while explaining the importance of customer service, communication, and conflict resolution, even in the digital realm. They also discuss digital real estate, which includes domain ownership and trademarks, and how social media and the internet has quickly become a vital business tool and something that can help build generational wealth if adequately utilized.

Featuring: Kevin Cohee, Chairman and CEO, OneUnited Bank, largest Black-owned bank, and Calvin Martyr, founder of #BlackOutDay2020, #BlackOutDay2021, and I Am We Global.   This episode introduces Kevin and Calvin’s ties to various social justice movements, the parts they played, and how they have created successful branding. Centering anti-racism, they discuss digital marketing and recognizable branding as an essential tool.   Calvin also expertly explains social equity, its importance, and how to get it.   Kevin and Calvin discuss the difference between having a brand and building a business. Together they discuss the tools they used to build brands and get their desired messages out, while also sharing  the different ways in which their respective companies grew with their brand.

Featuring: Sharon Epperson, senior personal finance correspondent for CNBC, and Lori Douglass, Esq., estate planning attorney and founder partner of Douglass Rodemacher LLP. In this episode, Sharon and Lori talk about digital assets, the consequences of not having a will, and the different types of estate planning.  Sheri and Lori explain the importance of keeping documents up to date, especially in the case of a move, as estate planning laws are state-specific. Lori also highlights different taxes and rules to be aware of when creating their estate plan. They also discuss how to find an estate planner, how to avoid a “hot mess,” and reiterate the importance of estate planning to generational wealth.

Featuring: Sharon Epperson, senior personal finance correspondent for CNBC, and Lori Douglass, Esq., estate planning attorney and founder partner of Douglass Rodemacher LLP. Sharon and Lori discuss leaving a legacy of financial strength through estate planning. They explain how vital wills and estate planning are for building generational wealth, and how over the last two years, it has become apparent that not enough people are set up in the way they should be in the instance of a life-altering event.  Sharon and Lori also discuss the key components, the requirements, and when and how to start estate planning; noting that everyone over the age of eighteen, regardless of wealth, should have estate planning in place.   Lori rounds out the discussion by detailing what documents you may need depending on the situation, how to pick trusted people, and how to have delicate conversations with loved ones about estate planning.

Featuring: Karen Hunter, Pulitzer Prize-Winning Journalist and host of The Karen Hunter Show on SiriusXM Urban View, and Professor Mehrsa Baradaran, author of The Color of Money: Black Banks and the Racial Wealth Gap.   In this episode, Karen and Mehrsa continue their discussion about the racial wealth gap in the United States. They discuss a potential blueprint for a way forward and how change is possible.   They also consider how the racial wealth gap could be closed sooner than 200 years and how individuals can (and should) actively participate.   Additionally, Karen and Mehrsa discuss modern social movements, pushback, and the logistics of finding a way forward.

Featuring: Karen Hunter, Pulitzer Prize-Winning Journalist and host of The Karen Hunter Show on SiriusXM Urban View, and Professor Mehrsa Baradaran, author of The Color of Money: Black Banks and the Racial Wealth Gap.   Racism within the systems of the United States has led to a wealth gap that some reports claim will take over 200 years to close. In this episode, Karen and Mehrsa discuss the reality of the racial wealth gap, what that looks like, and why it exists.    Mehrsa spent over a decade studying and debunking the myths around the racial wealth gaps and the exceptions we have made rules. With Karen, she discusses her findings, frustrations, the reality of American history, and its impact on finance today.    Karen and Mehrsa also examine how violence, domestic terrorism, and legal looting as a means of control and suppression are utilized against the Black community and prevent wealth growth.    The pair round out the discussion with the legacy of events like the Red Summer and the passage of the New Deal have left behind.

Featuring: Chris Browning, podcast host and producer of the award-winning Popcorn Finance, and Sherri Brewer, SVP/Chief Retail Officer, OneUnited Bank, the largest Black-owned bank.   Sherri joins Chris to discuss how the bank looks at a credit or loan application. The pair share how banks weigh risks, how they read a credit report, and additional factors that play into their decision.   Sherri and Chris explain the different types of loans and how one kind of credit can impact another.  Additionally, Sherri talks about the advancement of automation in credit decisions reducing human oversight on applications.   They also debunk some common credit myths that are actively harming people’s scores.

Featuring: Chris Browning, podcast host and producer of the award-winning Popcorn Finance, and Sherri Brewer, SVP/Chief Retail Officer, OneUnited Bank, the largest Black-owned bank. In this episode, Chris Browning explains how credit scores work, how they came to be, and how they are constructed. Credit scores are not indicative of how good a person is with money, just how good they are at loaning money and paying it back. They are a relatively new concept designed to help banks make decisions about loan applications. Chris discusses how credit bureaus calculate scores and what information goes into them. Chris also talks about what a credit score number means and how lenders view it - describing the different factors that impact a credit score and how to manage each one.

Featuring: Michelle Singletary, personal finance columnist (Washington Post) and author of the book “What to Do with Your Money When Crisis Hits” and Ross Mac, Revolt TV “Maconomics” creator and personal finance expert.   Ross and Michelle dive into spending habits within the Black community and how it impacts wealth distribution and the community as a whole. They talk about how wealth and freedom from debt lift families from generation to generation. Bringing it back to homeownership, they discuss property taxes and school funding.   A significant barrier for most home buyers is a lack of or low credit. Ross and Michelle discuss how homeownership is possible with a less than ideal credit score and some steps to take in that situation. Further, they discuss first-time buyer programs, HUD-approved programs, and FHA options.   Conclusively, they discuss how generational wealth provides choices and freedom for those that possess it.

Featuring: Michelle Singletary, personal finance columnist (Washington Post) and author of the book “What to Do with Your Money When Crisis Hits” and Ross Mac, Revolt TV “Maconomics” creator and personal finance expert.   Buying a home can be overwhelming, confusing, and, at times, seem near impossible. In this episode, Ross and Michelle break down what it takes to buy a property, how to figure out the right time to do so, and how to qualify for a mortgage. They also share some good financial habits that will help keep buyers in their homes, including budgeting with a cushion and avoiding new debts. Through lived experience and shared expertise, Ross and Michelle detail home and loan selection. They discuss the impact neighborhoods can have on property values, how value appreciation works in redlined areas, and the importance of investing in the Black community. Additionally, Ross and Michelle talk about hesitancy in the market, especially focusing on the recent property boom throughout the country. Over-excitement is leading to overspending, which is causing avoidable mistakes or problems for buyers. In recognizing the issues of America’s past and the impact on America’s present, Ross and Michelle seek to highlight the path to generational wealth with homeownership.

Welcome to The OneTransaction Podcast.  In this podcast, we’ll help you find the one transaction that could start you down your path of building systemic, generational wealth. We’ll talk to experts, authors, and award-winning journalists and financiers about homeownership, building credit, budgeting, brand building, and closing the racial wealth gap. What will your one transaction be?