Financial State of Minds
Want to get out of debt, build stronger credit, and make smarter money moves? Better money starts with a better financial state of mind. Financial State of Minds with Darrin Harvey, the Money Counselor™, helps listeners rethink how they use money, credit, cash flow, and capital to create more stability, more options, and more opportunity. From rebuilding personal credit and escaping the debt cycle to understanding business credit, getting funding, securing loans, saving smarter, investing with more awareness, and making money work with more strategy, each episode turns complex financial topics into clear guidance people can put to work immediately. Through solo episodes, expert interviews, real life money conversations, and listener Q&A, Darrin uses his perspective as a financial coach, business advisor, keynote speaker, founder, and member of the visually impaired community to make financial education more accessible, practical, and actionable. Financial State of Minds is built for professionals, startups, small business owners, entrepreneurs, and everyday people ready to make money clearer, credit smarter, and better financial decisions easier to make.
Episodes
Darrin and Maurice Shabazz discuss what future business owners need to consider before officially starting a business. From business entities and structures to online vs brick-and-mortar businesses, this episode breaks down the mindset, strategy, and awareness required for entrepreneurship.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit,...
Darrin sits down with mindset empowerment coach Tarik Williams for a powerful conversation on burnout, resilience, and personal growth. The two discuss their shared experiences as legally blind African-American professionals and why mindset plays a critical role in overcoming adversity and finding purpose.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small business...
Darrin and Maurice Shabazz break down the difference between good debt and bad debt, explaining how credit can be used as a tool to build wealth or become a financial burden. Learn how to make smarter borrowing decisions and leverage debt the right way.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve money s...
Darrin, Maurice Shabazz, and Cash “The Motivator” Wilson discuss whether credit scores are a form of economic control. They break down how lenders evaluate borrowers, why some loans are easier to obtain, and how financial literacy and discipline can help you navigate the system.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen ...
Darrin and Maurice Shabazz break down side hustles you can start for under $500 and how to use AI to build and scale them. From content creation to consulting and marketing, this episode highlights practical business ideas and why now is the best time to start.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve mone...
Darrin and Maurice Shabazz continue their discussion on financial freedom by exploring what happens after you reach your financial freedom number. From “F You money” to giving back and building legacy, this episode focuses on how wealth can be used to create impact beyond yoursel
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen...
Darrin and Maurice Shabazz break down the concept of the financial freedom number — the amount of money you need so you no longer have to work. Learn how to calculate your number, why it matters, and the strategies you can use to reach financial independence.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve m...
Darrin and Maurice Shabazz reflect on their experience speaking at the Black Student Organization Summit at Pittsburg High School. They discuss student reactions, key lessons, and why teaching financial literacy early can create life-changing advantages for the next generation.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen c...
Darrin and Maurice Shabazz break down how banks work and how they make money from their customers. From fees and lending to credit card partnerships and investing your deposits, this episode explains the hidden mechanics behind the banking system and how you can become more financially awar
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit,...
Darrin and Maurice Shabazz debate the pros and cons of physical and digital assets. From real estate and tangible investments to cryptocurrency and digital businesses, the two financial experts break down how each asset type generates value and why diversification may be the smartest strategy for building wealth
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small bu...
Darrin and Maurice Shabazz break down why renting and subscription-based services can cost more than ownership over time. From housing to everyday services, they explore how the subscription economy works, why companies prefer recurring payments, and how building ownership can strengthen your financial future.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small busi...
Darrin and Maurice Shabazz break down how to start investing even if you feel broke. From investing as little as $50 a month using beginner-friendly platforms like Acorns to understanding compounding and building strong financial habits, this episode proves you don’t need a lot of money to start building wealth — just discipline and consistency.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps pro...
Darrin sits down with therapist and friend Keashia Renee to discuss how she went from Section 8 housing to becoming a homeowner in California as a single African-American mother. They break down mindset, qualification, saving strategies, and why homeownership in the Bay Area is possible with preparation and discipline.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and s...
Darrin and Maurice Shabazz dive into the topic of financial boundaries and why lending money to friends and family can permanently change relationships. Drawing from personal experiences, they break down borrower psychology, repayment dynamics, and practical strategies for protecting your financial peace without damaging meaningful connections.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps prof...
Darrin welcomes back Kenya Aissa for a candid and insightful conversation about her new book, Independent Wife: Reclaiming Your Power, Passion, and Pleasure. The two discuss why many married women feel unfulfilled, the real reasons behind divorce beyond finances and infidelity, and how money, independence, intimacy, and power dynamics intersect within modern marriages.
About Darrin Harvey
Darrin Harvey, aka the people's Mon...
Darrin is joined by Maurice Shabazz and Wesley Alexander, owner of CoBiz Richmond, for a powerful discussion on Black entrepreneurship, economic empowerment, and community responsibility. The three explore why safe spaces for education and business matter, the challenges facing the Black community, and how collective support and small actions—like supporting the Hidden Genius Project—can drive long-term change.
About Darrin Har...
Darrin sits down with insurance broker and author Will Brown for a wide-ranging conversation on entrepreneurship, faith, finance, and investing. The two discuss Will’s journey from the legal industry to writing Christian-inspired literature, his path into life insuranc
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, impr...
Darrin sits down with his “adopted” sister and close friend Stephanie Riddell for a personal and insightful conversation about entrepreneurship, mindset, and resilience. Drawing from their shared experience in the legal sales industry, the two discuss entrepreneurial habits, navigating business challenges, and what it’s like for Darrin to build a business as a legally blind entrepreneur.
About Darrin Harvey
Darrin Harvey, a...
Darrin is joined by financial expert Maurice Shabazz for a powerful conversation on real versus fake millionaires. The two break down how social media has distorted perceptions of wealth, the differences in mindset and behavior between real and performative wealth, and what it actually takes to achieve financial independence—especially within the Black community.
About Darrin Harvey
Darrin Harvey, aka the people's Mone...
The Realities of Entrepreneurship: Challenges, Mindset, and Wearing Every Hat (with Maurice Shabazz)
Darrin welcomes back Maurice Shabazz for an honest conversation about the real challenges of entrepreneurship. The two break down the differences between working a W-2 job and owning a business, the many hats solo entrepreneurs must wear, the importance of building systems, and the mental and emotional toll that comes with being your own boss.
About Darrin Harvey
Darrin Harvey, aka the people's Money Counselor™, helps ...
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