Financial State of Minds

Experience one of Darrin Harvey’s live financial literacy workshops, originally presented for the Warriors Development Institute and moderated by Troy Sandidge. In this practical session, Darrin introduces his Five Pillars of Personal Finance —budgeting, emergency funds, credit, debt management, and investing—while sharing his personal journey into financial literacy and why personal responsibilit...

In this special Juneteenth episode, Darrin Harvey is joined by Tarik Williams and Troy Sandidge for a powerful conversation about money, mindset, motivation, and empowerment from an African-American perspective. The three discuss financial literacy, personal growth, representation, accountability, and the importance of creating opportunities for future generations. This is Part 1 of a two-part con...

What would you do if you had to spend $50,000 in the next 48 hours? Darrin Harvey and TEDx speaker Troy Sandidge react to some of the most memorable, emotional, and thought-provoking responses from a viral Threads post. From paying off debt and helping family members to investing and pursuing dreams, this episode explores what our answers reveal about our priorities, values, and relationship with...

Is there really such a thing as “good debt”? In this solo episode, Darrin Harvey challenges one of the most common ideas in personal finance. While mortgages, student loans, and business loans are often labeled as good debt, Darrin argues that the reality is far more nuanced. Learn why debt should be evaluated based on outcomes, risk, and personal circumstances—not simply by the category it falls...

In this raw and motivational solo episode, Darrin discusses why personal accountability is one of the most important traits for financial success. While your current financial situation may not be entirely your fault, Darrin argues that it is ultimately your responsibility to improve it. Learn why accountability, acceptance, and ownership are the foundations of lasting financial growth. About Darr...

In this solo episode, Darrin shares why he shifted from being firmly on “Team Real Estate” to preferring stock market investing. He explains why liquidity, diversification, accessibility, and passive investing ultimately changed his perspective on building wealt About Darrin Harvey Darrin Harvey, aka the Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen...

In this personal and motivational solo episode, Darrin challenges listeners to identify their financial “why.” Drawing from his own experiences and motivations, he explains why understanding the purpose behind your financial goals is often more important than the money itself. Learn why Darrin’s goal of becoming a multi-millionaire is rooted in freedom, impact, and opportunity—not just wealth. Abo...

In this previously unreleased interview recorded at Chabot College, Darrin Harvey shares the story behind Financial State of Minds, discusses the basics of creating a financial plan, and explains how business credit can help entrepreneurs grow. This episode offers a behind-the-scenes look at Darrin’s mission to make financial literacy accessible to everyon About Darrin Harvey Darrin Harvey, aka th...

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 Money Counselor™, helps professionals, startups, and small busine...

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 Money Counselor™, helps professionals, startups,...

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 Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flo...

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 Money Counselor™, helps professionals, startups, and small businesses build c...

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 Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen...

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 Money Counselor™, helps professionals, startups, and small businesses build...

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 Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen ca...

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 Money Counselor™, helps professionals, startups, and small businesses build cr...

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 Money Counselor™, helps professionals, startups, and small busine...

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 Money Counselor™, helps professionals, star...

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 Money Counselor™, helps professionals, startu...

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 Money Cou...

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 Money Counselor™, helps professional...

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 Money Coun...

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 H...

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 lon...

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 Money Counselor™, helps professionals, startups, and small businesses build credit, str...