September 25, 2024 • 23 mins
Two-time Emmy and three-time NAACP Image Award-winning, television Executive Producer, Rushion McDonald interviewed George Acheampong and Carter Cofield. They own Melanin Money, which aims to empower the Black community through financial literacy and wealth-building. They have been recognized for their innovative approach to bridging the wealth gap and fostering a culture of financial empowerment. Melanin Money has implemented the challenges they have had to overcome, as well as their advice for aspiring entrepreneurs.
The interview would cover topics such as:
- The inspiration behind founding Melanin Money
- Key milestones and achievements in your journey
- Strategies for promoting financial literacy within the Black community
- Personal stories of success and overcoming obstacles
- Future goals and projects for Melanin Money
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:05):
Welcome to the show. I'm Rashwan MacDonald, the host of
Money Making Conversations Masterclass, where we encourage people to stop
reading other people's success stories and start planning their own.
Listen up as I interview entrepreneurs from around the country,
talk to celebrities and ask them how they are running
their companies, and speak with dog profits who are making
(00:25):
a difference in their local communities. Now, sit back and
listen as we unlock the secrets to their success on
Money Making Conversations Masterclass. My guests created the Mellan Melon
of Money, Melon the Money. Their mission is to empower
the Black community through financial literacy and wealth building. They
have been recognized for their innovative approach to bridging the
(00:47):
wealth gap, which I talk about allowing this show. So
we're going to really find out what is that wealth gap,
you know, and fostering a culture financial empowerment. Please welcome
to the Money to Money Making Conversation Master Class. George
and Carter, owner of Melon the Money, and they want
to share the inspiring stories. Welcome to the show, my friends.
Thank you for having us. Well, you know, I always
like having people in the studio because I can look
(01:09):
it's always a cat and mouse game on the radio,
you can't really know how people are feeling about it.
So let's get just started here. Tell me about you
a little bit, my quick brother.
Speaker 2 (01:19):
Yeah, So, I have been a financial advisor and wealth
manager for the past twelve years and when I started
in the industry, there wasn't a lot of advisors that
looked like me.
Speaker 3 (01:28):
And which why is that?
Speaker 1 (01:29):
Why is that?
Speaker 3 (01:30):
Why is that? I think because well, for several reasons, right.
Speaker 2 (01:34):
I think if you don't see representation in a space,
then you assume that it's not for you, right, So
because of that, it's not a career path that people pursue.
They pursue being rappers, they pursue being athletes, they pursue
being entertainers because they believe that's what's for them, because
that's what they see. There wasn't a lot of representation,
and so a lot of our movement is to create
that representation.
Speaker 3 (01:54):
So that people know that they're worthy of wealth.
Speaker 1 (01:56):
Right.
Speaker 2 (01:56):
And so what I realized there wasn't a lot of
people in the space. I wanted to figure out how
I can serve and reach more people, and that's when
we started, you know, creating content online creating podcasts and
things of that nature so that we could really impact
and just show the world that, you know, building wealth
does a personal color is something that's possible for you too.
Speaker 1 (02:12):
That's a person of color. You know. We talk about money,
you know, the first level of money if you can
buy a house, and then when you start talking about stocks,
it it becomes like Spanish really, you know, And I
wish I was being comical because even I'm a person,
I still don't know what crypto is, so you know,
(02:33):
a big, bigcoin. You really got a brother over here here.
I got a show called money, Money Making comes. They
master colors, but I don't master that conversation, right, So
that's me and I supposed to know. So with that
being said, you guys became partners. How did that world happen?
For your full night?
Speaker 4 (02:51):
Carter Coolefield Okay, yeah, So I'm a CPA and I've
been a CPA for about ten years and we met
at the conference and he had clients he was helping
make a lot of money and they needed to help
saving on taxes. I had a bunch of clients I
was helping saving on taxes and they need to know
what to do with the extra money.
Speaker 1 (03:07):
Right.
Speaker 4 (03:07):
So we eventually came together because if you want to
build wealth, I think there's two major things you have
to do. Keep Uncle saying you saving tax Now, yeah,
I was helping them save in taxes, and he was
helping them take that money and invest it.
Speaker 5 (03:17):
Oh.
Speaker 1 (03:17):
I love that relationship.
Speaker 3 (03:18):
Yeah, keeping them money in the circle.
Speaker 4 (03:21):
Wise man was told me, if you want to make
a lot of money, teach people how to keep Uncle
saying out they pocket, and teach them how to make
money and they sleep. If you do those two things,
you mailbox money, mailbox money. Loved it, gotta love it.
So it was a perfect partnership because those are the
two things you need to do to build wealth. And
we came together so we can have a one stop
shot where people can save on taxes, make money from
investments so they can build a legacy for their family.
Speaker 1 (03:43):
Now, when you say, I hear that a lot little
legacy for the family, you know, because you know, in
the black community, the community of color, you know, they
tell you about a little savings account, you know, and
the saves account nowadays, the percentage is like you really
just got money just sitting there. You cannot save yourself
to wealth, right, put it in a mattress, you know, right, right, right?
(04:05):
You know, I can feed my money, baby, I can
feel my money, you know, like my mom used to do. Now.
But when you talk about that wealth gap, you know,
how does that work for you, George?
Speaker 2 (04:15):
Thinking about the wealth gap as a whole, Yes, sir, So,
our mission is to decrease the wealth gap by one
hundred billion.
Speaker 1 (04:22):
Dollars, right, and that's a big number.
Speaker 3 (04:24):
That's a big number.
Speaker 1 (04:25):
Yeah.
Speaker 2 (04:25):
So so our goal, our goal is to decrease the
wealth gap by one hundred billion dollars by helping one
hundred thousand people of color achieve their first one million
in networth.
Speaker 1 (04:34):
Right.
Speaker 2 (04:34):
But here's the thing, right to your point, absolutely absolutely right. Here,
here's the thing that we realize, right, Like, we realized
that marketing and society typically use marketing tactics to exploit
this tactic, but we used it for a good, right,
and that tactic is people would do.
Speaker 3 (04:49):
More for recognition than they will for money.
Speaker 2 (04:50):
The reason why people buy the Louis Vauton, they buy
the fancy cars because of the perceived status that that
gives them to the world. So we said, well, hey,
we don't want people to spend money, but how can
how can we hack that psychology?
Speaker 1 (05:02):
Right?
Speaker 2 (05:02):
And so we every year we have an annual award
show where we're literally celebrating our clients.
Speaker 1 (05:08):
Okay, okay, award show. I had nothing about an awards.
What award show you got? You should lad with the
ward show. You gotta ward show awarding people.
Speaker 2 (05:16):
We got an award show celebrating people for their wealth fillding milestones. Right, So, like,
so if you have one hundred thousand, a networth, a
half a million, a million, five million, whatever, right, So
now what happens is this? Right, here's a crazy part.
When we launched this, my financial advisor friends though I
was crazy. No one's gonna feel comfortable talking about their
numbers or their money. Yes they will if you celebrate
them for it. Because here's the reality. Well, most people
(05:37):
leave high school. Everybody doesn't go to college. When's the
last time they walk across the straight stage to get celebrated.
When's the last time somebody is honoring them for something
that they're doing. Now, imagine you get you get celebrated
for fully funding your wrought iray, you get celebrated for
having one hundred thousand plus network. Now people are literally
racing to like get those investment accounts funded so they
can be up on stage. So now here's the good news.
(05:59):
We're not giving you awards for how much money you made.
We're not giving you awards for how much money you
spent to flex on the society. You can only get
an award from us if you actually have it, if
you kept it right. And so we have hacked psychology
when it comes to helping people build.
Speaker 1 (06:12):
Well, so I'm not just over get back to you.
That little program, little thing called the Hoodie Awards, Okay,
Hoodie Awards. That was meaning's Steve Harbor and we celebrated
small businesses, barbershops, churches, and school This feels like the
Hoodie Awards on steroids, something like something.
Speaker 2 (06:31):
Like, hey, listen, you hearing it from us. I'm not
sure what you got going on, but we love to
have you check it out. We'll let you get all
the information for a complimentary ticket. We love to have
you in the building.
Speaker 1 (06:39):
Okay, now, complimentary ticket. Now you know I'm a backstage guy.
I can't that, Brotherary.
Speaker 3 (06:48):
I just mean you don't have to pay anything. That's
what I mean.
Speaker 1 (06:51):
You with us, brother, You know, I'm excited because of
the fact that you're doing something that people say cannot
be done these type of award show because of the
fact that you're recognizing people of color, because that's not
done normally, because we're not supposed to be doing that.
We're not you know, like I said, you live with
the with the entertainment, the athleticism, those are the areas
(07:14):
that you know. That's why Lebron James said, don't call
my business partners a crew, you know when people tell
him stay just dribble a basketball. No, I do more
than that. Don't stereotype me, And so I consider this
event a non stereotypical event, which means it's worthy of promotion.
(07:34):
It's worthy of television stations showing up, it's worthy of
sitting on NBC Today, it's worthy sitting on Good Morning America.
Because we get stereotypes so much about what we cannot do.
It's annoying to me. So I get mad. I created
this show. I created this show, and I don't know
why I did it. Initially, when I started in twenty seventeen, Carter,
(07:58):
it was about celebrities. Okay, you know, I say, I
bring the celebrities on and they talk about their success.
Then I realize they're kind of boring, you know, Yeah, yeah, yeah,
because they are not talking about the everyday person's success
and people can't relate. Yeah right, you know, because, in
other words, they have using their brand to access something
(08:20):
that the everyday person can't access. They might get a
loan because they're famous. They might they might get a
T shirt deal because they're famous. They so, so they've
skipped a lot of steps that the basic everyday person
doesn't know anything about. So that's why it's important when
I bring individuals like you on the show, talk about
your role in all this.
Speaker 3 (08:39):
Yeah.
Speaker 4 (08:40):
So he had this idea before I came on, and
I just wanted to help magnify it.
Speaker 1 (08:44):
The CPA.
Speaker 4 (08:44):
It's a CPA, right, because you know, client's making all
this money. It was like, how can we make this
money tax free? How can we find creative strategies to
help our clients build wealth without having to give fifty
percent of their money to Uncle Sam?
Speaker 1 (08:55):
Right?
Speaker 4 (08:55):
Because most people, but they don't realize that when you
pay federal tax, state tax tax, self employment tax, property tax,
you're giving fifty percent of money to the government over
your lifetime. Right, and so if I can help them
keep that money, because some people actually say, like if
I make more money, they'll have to pay more taxes potentially,
But don't stop making the money first, you know what
I'm saying. So I think that our goal was just
(09:17):
really to come together and teach people that you can
make more money and save on taxes at the same time.
Speaker 5 (09:22):
Please don't go anywhere. We'll be right back with more
Money Making Conversations Masterclass. Welcome back to the Money Making
Conversations Masterclass hosted by Rashaan McDonald.
Speaker 1 (09:39):
One of the questions that was put submitted to me
was like milestones and journeys because we all you know,
I always tell people I basically am the same guy
at eighteen. I just had to learn that when I
became forty. Yeah, you know, you know, because I because
now I'm making all the tools and all the vision
I had when I was eighteen, then I'm actually making
(10:00):
money with it. I was an inspirational guy. I was
telling people people listen to me when I talk. I
would do events, they will show up, they will give
me money. So let me know, at the very early age,
I had some skill set that people went Okay, here's
five dollars. So now I'm looking at two young men,
which excite me because you're my future, you know. And
(10:21):
I always tell people you hit fifty, you know, there's
a fifty, there's no guaranteed the next fifty, first fifty,
there was no guarantee there, but I made the past fifty.
There you go. Yeah, so that's the journey that I
can tell you about. So what's your journey because you
have not hit fifty yet. Yeah, yeah, so my journey
is pretty just missed CPA talking calling CPA. That's money
(10:42):
man over there, yeah, CPA.
Speaker 3 (10:44):
Yeah, yeah, for sure.
Speaker 4 (10:46):
Unfortunately, so fortunately, unfortunately, I had a traumatic childhood. My
mom dad at fourteen. My dad died at sixteen, so
I was sixteen with no parents. But it also told
me to take my own life and my own financial
literacy into my own hands. Right, So, very early on,
I realized that we didn't have money, and I went
to know why because the people around me that have money,
but that we don't have it. So my curiosity for
(11:08):
money stem from a lack. And instead of saying a
scarcity of mindset, we you know, we don't have it,
I had an abundance mindset, so how can we achieve it?
So that's where my curiosity for money came from, and
I studied it all through college and I became one
of the top CPAs in the country. And my goal
is simple. If I made it this far, I was
able to make money in my business and save a
lot of money on taxes. I have an obligation to
(11:30):
teach my own people how they can do it as well.
Speaker 1 (11:33):
Well. You know, when you say your own people, who
are you talking about?
Speaker 4 (11:36):
I'll talk with people of color, specifically black people, because
we're underserved. Right again, if somebody who's not black listens
to me, fine, I'm targeting my community to who has
been underserved with information intentionally for a very long time.
So I feel like a personal obligation to give us
the skills and the assets and the information and resources
for us to just not take our family to the
(11:57):
next level, but us take our friends and around us
as well.
Speaker 1 (12:01):
GOT be remiss not to complete the conversation about the
award show. Tell us about the war show when it's happening,
but also how can one participate it in.
Speaker 2 (12:09):
Absolutely so, the award show is a part of a
broader experience called wealth weekend and on Friday, this upcoming Friday,
we have a educational conference, right, because we don't we
want to make sure people get the actual information to
learn how to hit those milestones. Because this is an
event for our clients as well as it's open to
the public. So to your point, if you're not our client,
you might not yet know the strategies and insights on
how to improve your network. So if we first start
(12:31):
with the education, right, we have some powerhouse speakers, myself
and Carter will be some of them, but also some
other speakers on Friday, and then after people get a
chance to get all that information, right, we wanted to
give them a chance to digest it, get a chance
to connect with other people who were in the room.
Because the reason why this started and evolved to the
next level is we invested in ourselves and we went
to a conference, right, and we met at that conference,
and then that compounded into a friendship, a business partnership,
(12:55):
and our brotherhood. Right, So we want to get people
an opportunities to connect in a meaningful ways.
Speaker 3 (12:59):
We have a mixer after the conference.
Speaker 2 (13:02):
Then that Saturday is when we have the award show,
So early evening we have the award show, and it's
a two part award show, So we're celebrating our clients
who have achieved the milestones, but then also other pillars
of the community. Had we known about you, you probably would
have been celebrated as well. But pillars of the community
who are helping us in this mission. Because we know
that we're not the only two guys in the financial
(13:23):
literacy space pushing this narrative forward, so we want to
let them know that we see them too. Right, So
people who are educated about stocks, people who educate about
real estate and all the other different categories, they also
get celebrated and amplified as a part of this experience
because it's not for us hitting that one hundred thousand
peat Parson target. And we don't care if it all
comes through melon the money. We just want to be
the conduit to make it happen. Right, And then at
(13:46):
the end of that, we have another celebration, a sneaker ball, right,
so everybody comes suited and booted, they're all dressed up.
Speaker 3 (13:52):
They can take off the shoes that were hurting their feet.
They can pop on the sneakers and have a good
time for the rest of the evening.
Speaker 1 (13:57):
At I'm both these brothers in shape.
Speaker 5 (13:59):
You know.
Speaker 1 (14:00):
One of them guys look like he walked in with
a weight kit, health Way, health and Wealth. Well arm's gun.
That's gun, so he can't let me touch this better?
Oh boy, stock? How did this organization start the name that?
What does that name mean? It's important that we understand
their birth, understand their journey and all those during their future.
(14:20):
But you know, when I was reading your resume, it
was talking about innovative. When I hear that word innovative,
I don't know what that means, you know, invative ways
that you can build your wealth. Because let's be honest.
I got a credit card, I know about CDs, I
know about stock, I know about insurance. What's innovative? What
(14:43):
are I missing? George?
Speaker 3 (14:44):
Yeah, that's a great question.
Speaker 1 (14:46):
Right.
Speaker 2 (14:46):
So you know, I have this tagline that I like
to help people achieve financial freedom three times faster than
traditional financial advice, right, And it sounds like a good tagline.
But to your point, if I don't unpack that, you
might not know what that means. So the first thing
that comes with that is number one, understanding you know,
how anybody can invest in the stock market.
Speaker 3 (15:04):
Right, Like, how what does that look like?
Speaker 2 (15:06):
And so for me, I've always helped people understand what
I like to call the Burger King investment strategy and
what I mean by that. What I mean is McDonald
spends millions of dollars a year figuring out where they
want to put their next location.
Speaker 1 (15:16):
Right.
Speaker 2 (15:16):
They're in the real estate business as well, so they
put a lot of thought into where the next location
is going to go. Right, So the question becomes, well,
how does Burger King decide where they want to put
their next location? Well, they probably put it across the
street or in proximity to McDonald's, right, because if someone
wants McDonald's, they probably are also okay with Burger King.
So what does that mean with investing? What that means
is there's companies like Vanguard, black Rock, Right, these really
(15:37):
big companies that spend multimillion dollars on deciding the right
companies and investments that need to go in these things
called index funds and ETFs, right.
Speaker 3 (15:47):
And I'll explain what that means in a second.
Speaker 2 (15:49):
And so instead of me, even though I'm well researched
and I understand how the stock market works, an average
investor might not So what they can do is they
can piggyback right the research that these big companies have
already done and simply select the fund like a VOO
which is an index fund, or QQQ, and all the
research has already been done on if this fund makes sense, right,
(16:12):
And so when people know that, now they don't have
to be experts in the stock market. They don't necessarily
have to know everything about the inner workings of the
stock market. They know that Vanguard has spent millions of
dollars on research, They manage tradings dollars in assets, and
they're going to do their due diligence on picking the
right companies.
Speaker 1 (16:27):
Right.
Speaker 2 (16:28):
So now anybody can become an investor. Now take it
a step further, because you have the ability to look
inside of those funds. You can see, well, what are
the top five to ten companies in these funds? These
funds have five hundred different investments in them, Well what
are the top five to ten. Well I had this
aha moment to say, well, what happens if I piggyback
the research and invest in the index fund, but I
(16:49):
also select some of those top companies outside of that,
So now I get the performance of the top companies
while still having the security of the fund and doing
that strategy has allowed me to outperform the mart for
the past seven years.
Speaker 5 (17:02):
Right.
Speaker 2 (17:02):
So that's kind of the foundational level of what makes
the strategy innovative. Now beyond that, to Carter's point, a
lot of people pay money in taxes. So I said, well, shoot,
everybody talks about buying low and selling high. What they
don't tell you is when you sell high, even though
capital gains tax are lower than other ordinary income taxes.
Speaker 3 (17:20):
You might pay, it's still taxes.
Speaker 1 (17:22):
Yes, it is right.
Speaker 2 (17:23):
So what happens when you can have investments benefit from
the growth and not have to sell right by leveraging
that investment account and basically becoming your own bank borrowing
against the value of the account. So, for example, if
you had one hundred thousand dollars invested, a lot of
people don't realize you can go to Charles Swab, you
can go to Fidelity and say, hey, look, you see
I have the money invested. Could you give me a
(17:44):
lot of credit based upon the value of my account?
Speaker 3 (17:46):
Sure?
Speaker 2 (17:46):
Why wouldn't we see you have the money invested, So
now your money gets to remain invested. You now get
to avoid the taxes, and then we're we're gonna teach
you to get that money, not to go buy.
Speaker 1 (17:55):
Stuff the interest they do charge you interest, get.
Speaker 4 (17:58):
Your fan back interest too yourself.
Speaker 1 (18:02):
Okay, right, thought I had your taxman came in exact thing, right,
all the hoop, Right, So then you take that money.
Speaker 3 (18:10):
But here's the here's the kicker.
Speaker 2 (18:11):
Even if you weren't paying the interest back to yourself,
you're only going to borrow the money once you've identified
an investment opportunity that's going to exceed the interest that
you would owe. That's the infinite money glitch.
Speaker 1 (18:21):
Right.
Speaker 2 (18:22):
If I can borrow money at six percent, right, go
and buy investment property that's going to produce higher than
the cost of that capital, and then take that cash
flow and put it back in my investment accouncil can
compound even further. That's that's what we like to call
it infinite money glitch.
Speaker 1 (18:36):
Right.
Speaker 2 (18:37):
Most people are just so used to hearing the term
borrowing and associating it with debt, buying clothes, buying cars,
buying liabilities. Right, when you take that same equation but
use it to buy investments, it's a totally different ball game.
People just have to get on the right side of
the equation.
Speaker 1 (18:52):
Wow, this relationship being a money man and being a CPA.
So that's that's what I see here. You know, it's
a good combo because in the end, you know, taxes
kill us. All taxes can you know, can put you
in jail if you don't follow them. We'll discover that
famous actor plenty of them out there told us that.
(19:15):
So when you do you have an innovative plan. He's
told us an innovative plan when it comes to making money.
Seven year plans, worked, strategized, UCPA highly rated, topping the class.
Let's go what makes you special? Well?
Speaker 4 (19:32):
I teach entrepreneurs how to basically have the irs help
pay their bills. Right, So, if you start a business,
right podcast whatever, you buy that lab. If you don't
have a business, you buy that laptop, that's a personal expense, absolutely.
If you start a business and you buy that laptop,
that's a business expense absolutely. So the IRS will now
give you a tax deduction for you buying something you're
(19:53):
already going to buy anyway. Right, So now you can
now that you know that, you look around your house
and say, what other personal expense can I turn into
a legitimate tax deduction?
Speaker 3 (20:02):
If you have a business.
Speaker 4 (20:03):
That you operate from home, the IRS lets you take
advantage of the home office deduction, which will allow you
to write off a portion of your rent or your
mortgage every single month. Again, any utilities and utilities and internet,
and these are things you're already paying for, So why
not get the IRS to step in and help give
you a tax deduction so you can lower the amount
that you're trying to pay. So step number one is
how can we turn our personal expenses into tax deductible
(20:26):
business expenses? Step number two is how can we leverage
assets to help us save on taxes. So now that
we're saving on taxes, we might get a refund check
because we turn we now increased our write offs. So
you might get some money back from the IRS if
you use some of that refund to, let's say buy
a real estate property. Real estate allows you to earn
money in your bank account while losing money on your
tax return, so you can actually cast fow from that
(20:48):
real estate and not pay any taxes. Not to mention,
the losses on your tax return from your real estate
property gets to get subtracted from other income you make
at work or your other businesses. So you're making tax
free money in real estate and you're lessening your tax
bill and your W two job. And then the last
step is like, all right, how are there other ways
that we can invest in not pay the irs we use?
(21:10):
So we take advantage of tax advantage accounts like iras
roth iras, or we can lever strategies like George mentioned,
by investing in our investment account and then borrowing from
my assets to buy other assets. The wealthiest people in
the country, they buy assets, they use that to buy assets,
and they use the money from the assets to pay
off the debts, and then they borrow from the debts
(21:34):
tax free to go buy other assets.
Speaker 1 (21:37):
This is a wealth game, and if you're gonna.
Speaker 3 (21:38):
Play the game, you need to play the reals.
Speaker 1 (21:40):
I love it, you know. I smile because you know
lots of the stuff I know naturally. It's always good
to hear it come back at you and realize, hey,
the model works. Stick to a rashan, you know, because
there is a long term model. Because a lot of
times we want to win the lotto, witch stock. It's
the plan. The stock game, which is a plan and
a goal or in its system. As we wrap up
(22:02):
the call, and I will be at your war show. Okay, okay,
let y'all know, okay, and I will yeah, pe access
he got a step us one right now, this ain't
even nothing worried worry, you said, sneakers, right, I gotta
have a join you so much the regular shoes and
then and then when the when the when the war
show is over, then you can transition to your sneaker,
(22:23):
same outfit. Though. This is all good, It's all good,
I got it, he said. Let's I know the war
shows happening, but tell us again about the website and
so people can reach out to you in the.
Speaker 2 (22:31):
Future one hundred percent. So the website is meling money
dot com. That's spelled m e l A n I
N money. I hope you're not spelled money meling in
money dot com.
Speaker 1 (22:41):
Uh.
Speaker 2 (22:41):
That's where you can find all our resources. And I
also would encourage you to use that same name that
searches on YouTube. Find our YouTube channel, subscribe. We dropping
an amazing content every single week and we can't wait
for you to be a part.
Speaker 3 (22:50):
Of the community.
Speaker 1 (22:51):
Guys, you're fantastic. Thank you for coming in my studio
and we will talk soon. I appreciate y'all.
Speaker 3 (22:55):
Thank you.
Speaker 1 (22:56):
This has been another edition of Money Making Conversation Masterclass
hosted by me Rushaun McDonald. Thank you to our guests
on the show today, and thank you for listening to
the audience now. If you want to listen to any
episode I want to be a guest on the show,
visit Moneymakingconversations dot com. Our social media handle is money
Making Conversation. Join us next week and remember to always
(23:17):
leave with your gifts. Keep winning.
Welcome to the show. I'm Rashwan MacDonald, the host of
Money Making Conversations Masterclass, where we encourage people to stop
reading other people's success stories and start planning their own.
Listen up as I interview entrepreneurs from around the country,
talk to celebrities and ask them how they are running
their companies, and speak with dog profits who are making
(00:25):
a difference in their local communities. Now, sit back and
listen as we unlock the secrets to their success on
Money Making Conversations Masterclass. My guests created the Mellan Melon
of Money, Melon the Money. Their mission is to empower
the Black community through financial literacy and wealth building. They
have been recognized for their innovative approach to bridging the
(00:47):
wealth gap, which I talk about allowing this show. So
we're going to really find out what is that wealth gap,
you know, and fostering a culture financial empowerment. Please welcome
to the Money to Money Making Conversation Master Class. George
and Carter, owner of Melon the Money, and they want
to share the inspiring stories. Welcome to the show, my friends.
Thank you for having us. Well, you know, I always
like having people in the studio because I can look
(01:09):
it's always a cat and mouse game on the radio,
you can't really know how people are feeling about it.
So let's get just started here. Tell me about you
a little bit, my quick brother.
Speaker 2 (01:19):
Yeah, So, I have been a financial advisor and wealth
manager for the past twelve years and when I started
in the industry, there wasn't a lot of advisors that
looked like me.
Speaker 3 (01:28):
And which why is that?
Speaker 1 (01:29):
Why is that?
Speaker 3 (01:30):
Why is that? I think because well, for several reasons, right.
Speaker 2 (01:34):
I think if you don't see representation in a space,
then you assume that it's not for you, right, So
because of that, it's not a career path that people pursue.
They pursue being rappers, they pursue being athletes, they pursue
being entertainers because they believe that's what's for them, because
that's what they see. There wasn't a lot of representation,
and so a lot of our movement is to create
that representation.
Speaker 3 (01:54):
So that people know that they're worthy of wealth.
Speaker 1 (01:56):
Right.
Speaker 2 (01:56):
And so what I realized there wasn't a lot of
people in the space. I wanted to figure out how
I can serve and reach more people, and that's when
we started, you know, creating content online creating podcasts and
things of that nature so that we could really impact
and just show the world that, you know, building wealth
does a personal color is something that's possible for you too.
Speaker 1 (02:12):
That's a person of color. You know. We talk about money,
you know, the first level of money if you can
buy a house, and then when you start talking about stocks,
it it becomes like Spanish really, you know, And I
wish I was being comical because even I'm a person,
I still don't know what crypto is, so you know,
(02:33):
a big, bigcoin. You really got a brother over here here.
I got a show called money, Money Making comes. They
master colors, but I don't master that conversation, right, So
that's me and I supposed to know. So with that
being said, you guys became partners. How did that world happen?
For your full night?
Speaker 4 (02:51):
Carter Coolefield Okay, yeah, So I'm a CPA and I've
been a CPA for about ten years and we met
at the conference and he had clients he was helping
make a lot of money and they needed to help
saving on taxes. I had a bunch of clients I
was helping saving on taxes and they need to know
what to do with the extra money.
Speaker 1 (03:07):
Right.
Speaker 4 (03:07):
So we eventually came together because if you want to
build wealth, I think there's two major things you have
to do. Keep Uncle saying you saving tax Now, yeah,
I was helping them save in taxes, and he was
helping them take that money and invest it.
Speaker 5 (03:17):
Oh.
Speaker 1 (03:17):
I love that relationship.
Speaker 3 (03:18):
Yeah, keeping them money in the circle.
Speaker 4 (03:21):
Wise man was told me, if you want to make
a lot of money, teach people how to keep Uncle
saying out they pocket, and teach them how to make
money and they sleep. If you do those two things,
you mailbox money, mailbox money. Loved it, gotta love it.
So it was a perfect partnership because those are the
two things you need to do to build wealth. And
we came together so we can have a one stop
shot where people can save on taxes, make money from
investments so they can build a legacy for their family.
Speaker 1 (03:43):
Now, when you say, I hear that a lot little
legacy for the family, you know, because you know, in
the black community, the community of color, you know, they
tell you about a little savings account, you know, and
the saves account nowadays, the percentage is like you really
just got money just sitting there. You cannot save yourself
to wealth, right, put it in a mattress, you know, right, right, right?
(04:05):
You know, I can feed my money, baby, I can
feel my money, you know, like my mom used to do. Now.
But when you talk about that wealth gap, you know,
how does that work for you, George?
Speaker 2 (04:15):
Thinking about the wealth gap as a whole, Yes, sir, So,
our mission is to decrease the wealth gap by one
hundred billion.
Speaker 1 (04:22):
Dollars, right, and that's a big number.
Speaker 3 (04:24):
That's a big number.
Speaker 1 (04:25):
Yeah.
Speaker 2 (04:25):
So so our goal, our goal is to decrease the
wealth gap by one hundred billion dollars by helping one
hundred thousand people of color achieve their first one million
in networth.
Speaker 1 (04:34):
Right.
Speaker 2 (04:34):
But here's the thing, right to your point, absolutely absolutely right. Here,
here's the thing that we realize, right, Like, we realized
that marketing and society typically use marketing tactics to exploit
this tactic, but we used it for a good, right,
and that tactic is people would do.
Speaker 3 (04:49):
More for recognition than they will for money.
Speaker 2 (04:50):
The reason why people buy the Louis Vauton, they buy
the fancy cars because of the perceived status that that
gives them to the world. So we said, well, hey,
we don't want people to spend money, but how can
how can we hack that psychology?
Speaker 1 (05:02):
Right?
Speaker 2 (05:02):
And so we every year we have an annual award
show where we're literally celebrating our clients.
Speaker 1 (05:08):
Okay, okay, award show. I had nothing about an awards.
What award show you got? You should lad with the
ward show. You gotta ward show awarding people.
Speaker 2 (05:16):
We got an award show celebrating people for their wealth fillding milestones. Right, So, like,
so if you have one hundred thousand, a networth, a
half a million, a million, five million, whatever, right, So
now what happens is this? Right, here's a crazy part.
When we launched this, my financial advisor friends though I
was crazy. No one's gonna feel comfortable talking about their
numbers or their money. Yes they will if you celebrate
them for it. Because here's the reality. Well, most people
(05:37):
leave high school. Everybody doesn't go to college. When's the
last time they walk across the straight stage to get celebrated.
When's the last time somebody is honoring them for something
that they're doing. Now, imagine you get you get celebrated
for fully funding your wrought iray, you get celebrated for
having one hundred thousand plus network. Now people are literally
racing to like get those investment accounts funded so they
can be up on stage. So now here's the good news.
(05:59):
We're not giving you awards for how much money you made.
We're not giving you awards for how much money you
spent to flex on the society. You can only get
an award from us if you actually have it, if
you kept it right. And so we have hacked psychology
when it comes to helping people build.
Speaker 1 (06:12):
Well, so I'm not just over get back to you.
That little program, little thing called the Hoodie Awards, Okay,
Hoodie Awards. That was meaning's Steve Harbor and we celebrated
small businesses, barbershops, churches, and school This feels like the
Hoodie Awards on steroids, something like something.
Speaker 2 (06:31):
Like, hey, listen, you hearing it from us. I'm not
sure what you got going on, but we love to
have you check it out. We'll let you get all
the information for a complimentary ticket. We love to have
you in the building.
Speaker 1 (06:39):
Okay, now, complimentary ticket. Now you know I'm a backstage guy.
I can't that, Brotherary.
Speaker 3 (06:48):
I just mean you don't have to pay anything. That's
what I mean.
Speaker 1 (06:51):
You with us, brother, You know, I'm excited because of
the fact that you're doing something that people say cannot
be done these type of award show because of the
fact that you're recognizing people of color, because that's not
done normally, because we're not supposed to be doing that.
We're not you know, like I said, you live with
the with the entertainment, the athleticism, those are the areas
(07:14):
that you know. That's why Lebron James said, don't call
my business partners a crew, you know when people tell
him stay just dribble a basketball. No, I do more
than that. Don't stereotype me, And so I consider this
event a non stereotypical event, which means it's worthy of promotion.
(07:34):
It's worthy of television stations showing up, it's worthy of
sitting on NBC Today, it's worthy sitting on Good Morning America.
Because we get stereotypes so much about what we cannot do.
It's annoying to me. So I get mad. I created
this show. I created this show, and I don't know
why I did it. Initially, when I started in twenty seventeen, Carter,
(07:58):
it was about celebrities. Okay, you know, I say, I
bring the celebrities on and they talk about their success.
Then I realize they're kind of boring, you know, Yeah, yeah, yeah,
because they are not talking about the everyday person's success
and people can't relate. Yeah right, you know, because, in
other words, they have using their brand to access something
(08:20):
that the everyday person can't access. They might get a
loan because they're famous. They might they might get a
T shirt deal because they're famous. They so, so they've
skipped a lot of steps that the basic everyday person
doesn't know anything about. So that's why it's important when
I bring individuals like you on the show, talk about
your role in all this.
Speaker 3 (08:39):
Yeah.
Speaker 4 (08:40):
So he had this idea before I came on, and
I just wanted to help magnify it.
Speaker 1 (08:44):
The CPA.
Speaker 4 (08:44):
It's a CPA, right, because you know, client's making all
this money. It was like, how can we make this
money tax free? How can we find creative strategies to
help our clients build wealth without having to give fifty
percent of their money to Uncle Sam?
Speaker 1 (08:55):
Right?
Speaker 4 (08:55):
Because most people, but they don't realize that when you
pay federal tax, state tax tax, self employment tax, property tax,
you're giving fifty percent of money to the government over
your lifetime. Right, and so if I can help them
keep that money, because some people actually say, like if
I make more money, they'll have to pay more taxes potentially,
But don't stop making the money first, you know what
I'm saying. So I think that our goal was just
(09:17):
really to come together and teach people that you can
make more money and save on taxes at the same time.
Speaker 5 (09:22):
Please don't go anywhere. We'll be right back with more
Money Making Conversations Masterclass. Welcome back to the Money Making
Conversations Masterclass hosted by Rashaan McDonald.
Speaker 1 (09:39):
One of the questions that was put submitted to me
was like milestones and journeys because we all you know,
I always tell people I basically am the same guy
at eighteen. I just had to learn that when I
became forty. Yeah, you know, you know, because I because
now I'm making all the tools and all the vision
I had when I was eighteen, then I'm actually making
(10:00):
money with it. I was an inspirational guy. I was
telling people people listen to me when I talk. I
would do events, they will show up, they will give
me money. So let me know, at the very early age,
I had some skill set that people went Okay, here's
five dollars. So now I'm looking at two young men,
which excite me because you're my future, you know. And
(10:21):
I always tell people you hit fifty, you know, there's
a fifty, there's no guaranteed the next fifty, first fifty,
there was no guarantee there, but I made the past fifty.
There you go. Yeah, so that's the journey that I
can tell you about. So what's your journey because you
have not hit fifty yet. Yeah, yeah, so my journey
is pretty just missed CPA talking calling CPA. That's money
(10:42):
man over there, yeah, CPA.
Speaker 3 (10:44):
Yeah, yeah, for sure.
Speaker 4 (10:46):
Unfortunately, so fortunately, unfortunately, I had a traumatic childhood. My
mom dad at fourteen. My dad died at sixteen, so
I was sixteen with no parents. But it also told
me to take my own life and my own financial
literacy into my own hands. Right, So, very early on,
I realized that we didn't have money, and I went
to know why because the people around me that have money,
but that we don't have it. So my curiosity for
(11:08):
money stem from a lack. And instead of saying a
scarcity of mindset, we you know, we don't have it,
I had an abundance mindset, so how can we achieve it?
So that's where my curiosity for money came from, and
I studied it all through college and I became one
of the top CPAs in the country. And my goal
is simple. If I made it this far, I was
able to make money in my business and save a
lot of money on taxes. I have an obligation to
(11:30):
teach my own people how they can do it as well.
Speaker 1 (11:33):
Well. You know, when you say your own people, who
are you talking about?
Speaker 4 (11:36):
I'll talk with people of color, specifically black people, because
we're underserved. Right again, if somebody who's not black listens
to me, fine, I'm targeting my community to who has
been underserved with information intentionally for a very long time.
So I feel like a personal obligation to give us
the skills and the assets and the information and resources
for us to just not take our family to the
(11:57):
next level, but us take our friends and around us
as well.
Speaker 1 (12:01):
GOT be remiss not to complete the conversation about the
award show. Tell us about the war show when it's happening,
but also how can one participate it in.
Speaker 2 (12:09):
Absolutely so, the award show is a part of a
broader experience called wealth weekend and on Friday, this upcoming Friday,
we have a educational conference, right, because we don't we
want to make sure people get the actual information to
learn how to hit those milestones. Because this is an
event for our clients as well as it's open to
the public. So to your point, if you're not our client,
you might not yet know the strategies and insights on
how to improve your network. So if we first start
(12:31):
with the education, right, we have some powerhouse speakers, myself
and Carter will be some of them, but also some
other speakers on Friday, and then after people get a
chance to get all that information, right, we wanted to
give them a chance to digest it, get a chance
to connect with other people who were in the room.
Because the reason why this started and evolved to the
next level is we invested in ourselves and we went
to a conference, right, and we met at that conference,
and then that compounded into a friendship, a business partnership,
(12:55):
and our brotherhood. Right, So we want to get people
an opportunities to connect in a meaningful ways.
Speaker 3 (12:59):
We have a mixer after the conference.
Speaker 2 (13:02):
Then that Saturday is when we have the award show,
So early evening we have the award show, and it's
a two part award show, So we're celebrating our clients
who have achieved the milestones, but then also other pillars
of the community. Had we known about you, you probably would
have been celebrated as well. But pillars of the community
who are helping us in this mission. Because we know
that we're not the only two guys in the financial
(13:23):
literacy space pushing this narrative forward, so we want to
let them know that we see them too. Right, So
people who are educated about stocks, people who educate about
real estate and all the other different categories, they also
get celebrated and amplified as a part of this experience
because it's not for us hitting that one hundred thousand
peat Parson target. And we don't care if it all
comes through melon the money. We just want to be
the conduit to make it happen. Right, And then at
(13:46):
the end of that, we have another celebration, a sneaker ball, right,
so everybody comes suited and booted, they're all dressed up.
Speaker 3 (13:52):
They can take off the shoes that were hurting their feet.
They can pop on the sneakers and have a good
time for the rest of the evening.
Speaker 1 (13:57):
At I'm both these brothers in shape.
Speaker 5 (13:59):
You know.
Speaker 1 (14:00):
One of them guys look like he walked in with
a weight kit, health Way, health and Wealth. Well arm's gun.
That's gun, so he can't let me touch this better?
Oh boy, stock? How did this organization start the name that?
What does that name mean? It's important that we understand
their birth, understand their journey and all those during their future.
(14:20):
But you know, when I was reading your resume, it
was talking about innovative. When I hear that word innovative,
I don't know what that means, you know, invative ways
that you can build your wealth. Because let's be honest.
I got a credit card, I know about CDs, I
know about stock, I know about insurance. What's innovative? What
(14:43):
are I missing? George?
Speaker 3 (14:44):
Yeah, that's a great question.
Speaker 1 (14:46):
Right.
Speaker 2 (14:46):
So you know, I have this tagline that I like
to help people achieve financial freedom three times faster than
traditional financial advice, right, And it sounds like a good tagline.
But to your point, if I don't unpack that, you
might not know what that means. So the first thing
that comes with that is number one, understanding you know,
how anybody can invest in the stock market.
Speaker 3 (15:04):
Right, Like, how what does that look like?
Speaker 2 (15:06):
And so for me, I've always helped people understand what
I like to call the Burger King investment strategy and
what I mean by that. What I mean is McDonald
spends millions of dollars a year figuring out where they
want to put their next location.
Speaker 1 (15:16):
Right.
Speaker 2 (15:16):
They're in the real estate business as well, so they
put a lot of thought into where the next location
is going to go. Right, So the question becomes, well,
how does Burger King decide where they want to put
their next location? Well, they probably put it across the
street or in proximity to McDonald's, right, because if someone
wants McDonald's, they probably are also okay with Burger King.
So what does that mean with investing? What that means
is there's companies like Vanguard, black Rock, Right, these really
(15:37):
big companies that spend multimillion dollars on deciding the right
companies and investments that need to go in these things
called index funds and ETFs, right.
Speaker 3 (15:47):
And I'll explain what that means in a second.
Speaker 2 (15:49):
And so instead of me, even though I'm well researched
and I understand how the stock market works, an average
investor might not So what they can do is they
can piggyback right the research that these big companies have
already done and simply select the fund like a VOO
which is an index fund, or QQQ, and all the
research has already been done on if this fund makes sense, right,
(16:12):
And so when people know that, now they don't have
to be experts in the stock market. They don't necessarily
have to know everything about the inner workings of the
stock market. They know that Vanguard has spent millions of
dollars on research, They manage tradings dollars in assets, and
they're going to do their due diligence on picking the
right companies.
Speaker 1 (16:27):
Right.
Speaker 2 (16:28):
So now anybody can become an investor. Now take it
a step further, because you have the ability to look
inside of those funds. You can see, well, what are
the top five to ten companies in these funds? These
funds have five hundred different investments in them, Well what
are the top five to ten. Well I had this
aha moment to say, well, what happens if I piggyback
the research and invest in the index fund, but I
(16:49):
also select some of those top companies outside of that,
So now I get the performance of the top companies
while still having the security of the fund and doing
that strategy has allowed me to outperform the mart for
the past seven years.
Speaker 5 (17:02):
Right.
Speaker 2 (17:02):
So that's kind of the foundational level of what makes
the strategy innovative. Now beyond that, to Carter's point, a
lot of people pay money in taxes. So I said, well, shoot,
everybody talks about buying low and selling high. What they
don't tell you is when you sell high, even though
capital gains tax are lower than other ordinary income taxes.
Speaker 3 (17:20):
You might pay, it's still taxes.
Speaker 1 (17:22):
Yes, it is right.
Speaker 2 (17:23):
So what happens when you can have investments benefit from
the growth and not have to sell right by leveraging
that investment account and basically becoming your own bank borrowing
against the value of the account. So, for example, if
you had one hundred thousand dollars invested, a lot of
people don't realize you can go to Charles Swab, you
can go to Fidelity and say, hey, look, you see
I have the money invested. Could you give me a
(17:44):
lot of credit based upon the value of my account?
Speaker 3 (17:46):
Sure?
Speaker 2 (17:46):
Why wouldn't we see you have the money invested, So
now your money gets to remain invested. You now get
to avoid the taxes, and then we're we're gonna teach
you to get that money, not to go buy.
Speaker 1 (17:55):
Stuff the interest they do charge you interest, get.
Speaker 4 (17:58):
Your fan back interest too yourself.
Speaker 1 (18:02):
Okay, right, thought I had your taxman came in exact thing, right,
all the hoop, Right, So then you take that money.
Speaker 3 (18:10):
But here's the here's the kicker.
Speaker 2 (18:11):
Even if you weren't paying the interest back to yourself,
you're only going to borrow the money once you've identified
an investment opportunity that's going to exceed the interest that
you would owe. That's the infinite money glitch.
Speaker 1 (18:21):
Right.
Speaker 2 (18:22):
If I can borrow money at six percent, right, go
and buy investment property that's going to produce higher than
the cost of that capital, and then take that cash
flow and put it back in my investment accouncil can
compound even further. That's that's what we like to call
it infinite money glitch.
Speaker 1 (18:36):
Right.
Speaker 2 (18:37):
Most people are just so used to hearing the term
borrowing and associating it with debt, buying clothes, buying cars,
buying liabilities. Right, when you take that same equation but
use it to buy investments, it's a totally different ball game.
People just have to get on the right side of
the equation.
Speaker 1 (18:52):
Wow, this relationship being a money man and being a CPA.
So that's that's what I see here. You know, it's
a good combo because in the end, you know, taxes
kill us. All taxes can you know, can put you
in jail if you don't follow them. We'll discover that
famous actor plenty of them out there told us that.
(19:15):
So when you do you have an innovative plan. He's
told us an innovative plan when it comes to making money.
Seven year plans, worked, strategized, UCPA highly rated, topping the class.
Let's go what makes you special? Well?
Speaker 4 (19:32):
I teach entrepreneurs how to basically have the irs help
pay their bills. Right, So, if you start a business,
right podcast whatever, you buy that lab. If you don't
have a business, you buy that laptop, that's a personal expense, absolutely.
If you start a business and you buy that laptop,
that's a business expense absolutely. So the IRS will now
give you a tax deduction for you buying something you're
(19:53):
already going to buy anyway. Right, So now you can
now that you know that, you look around your house
and say, what other personal expense can I turn into
a legitimate tax deduction?
Speaker 3 (20:02):
If you have a business.
Speaker 4 (20:03):
That you operate from home, the IRS lets you take
advantage of the home office deduction, which will allow you
to write off a portion of your rent or your
mortgage every single month. Again, any utilities and utilities and internet,
and these are things you're already paying for, So why
not get the IRS to step in and help give
you a tax deduction so you can lower the amount
that you're trying to pay. So step number one is
how can we turn our personal expenses into tax deductible
(20:26):
business expenses? Step number two is how can we leverage
assets to help us save on taxes. So now that
we're saving on taxes, we might get a refund check
because we turn we now increased our write offs. So
you might get some money back from the IRS if
you use some of that refund to, let's say buy
a real estate property. Real estate allows you to earn
money in your bank account while losing money on your
tax return, so you can actually cast fow from that
(20:48):
real estate and not pay any taxes. Not to mention,
the losses on your tax return from your real estate
property gets to get subtracted from other income you make
at work or your other businesses. So you're making tax
free money in real estate and you're lessening your tax
bill and your W two job. And then the last
step is like, all right, how are there other ways
that we can invest in not pay the irs we use?
(21:10):
So we take advantage of tax advantage accounts like iras
roth iras, or we can lever strategies like George mentioned,
by investing in our investment account and then borrowing from
my assets to buy other assets. The wealthiest people in
the country, they buy assets, they use that to buy assets,
and they use the money from the assets to pay
off the debts, and then they borrow from the debts
(21:34):
tax free to go buy other assets.
Speaker 1 (21:37):
This is a wealth game, and if you're gonna.
Speaker 3 (21:38):
Play the game, you need to play the reals.
Speaker 1 (21:40):
I love it, you know. I smile because you know
lots of the stuff I know naturally. It's always good
to hear it come back at you and realize, hey,
the model works. Stick to a rashan, you know, because
there is a long term model. Because a lot of
times we want to win the lotto, witch stock. It's
the plan. The stock game, which is a plan and
a goal or in its system. As we wrap up
(22:02):
the call, and I will be at your war show. Okay, okay,
let y'all know, okay, and I will yeah, pe access
he got a step us one right now, this ain't
even nothing worried worry, you said, sneakers, right, I gotta
have a join you so much the regular shoes and
then and then when the when the when the war
show is over, then you can transition to your sneaker,
(22:23):
same outfit. Though. This is all good, It's all good,
I got it, he said. Let's I know the war
shows happening, but tell us again about the website and
so people can reach out to you in the.
Speaker 2 (22:31):
Future one hundred percent. So the website is meling money
dot com. That's spelled m e l A n I
N money. I hope you're not spelled money meling in
money dot com.
Speaker 1 (22:41):
Uh.
Speaker 2 (22:41):
That's where you can find all our resources. And I
also would encourage you to use that same name that
searches on YouTube. Find our YouTube channel, subscribe. We dropping
an amazing content every single week and we can't wait
for you to be a part.
Speaker 3 (22:50):
Of the community.
Speaker 1 (22:51):
Guys, you're fantastic. Thank you for coming in my studio
and we will talk soon. I appreciate y'all.
Speaker 3 (22:55):
Thank you.
Speaker 1 (22:56):
This has been another edition of Money Making Conversation Masterclass
hosted by me Rushaun McDonald. Thank you to our guests
on the show today, and thank you for listening to
the audience now. If you want to listen to any
episode I want to be a guest on the show,
visit Moneymakingconversations dot com. Our social media handle is money
Making Conversation. Join us next week and remember to always
(23:17):
leave with your gifts. Keep winning.
The Steve Harvey Morning Show News
Hosts And Creators
Steve Harvey
Shirley Strawberry
Thomas "Nephew Tommy" Miles
Carla Ferrell
Kier "Junior" Spates
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