The Steve Harvey Morning Show for Friday, July 4th, 2025: Steve Harvey's Morning Inspiration | Show Open - Steve Harvey's Bathing Routine | Run That Prank Back: "You Have A Warrant" | Ask The CLO | A Steve Harvey Morning Show Road Trip | Would You Rather | Childhood Summer Games | Nephew Tommy's Prank - "Can You Breastfeed My Baby?" | Strawberry Letter - "She's Too Phony & Bony Now" | Breaking Up On Vacation | Social Media Advice | Steve Harvey's Voicemail | Would You Rather | Steve Harvey's Closing Remarks

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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Fears.

First Vice President and Financial Advisor at Morgan Stanley. She leads The Fears Group, a wealth management team specializing in alternative investments, retirement planning, and financial education.

🔑 Key Themes & Highlights

Building a Legacy Through Family Business

• Fears built a family practice at Morgan Stanley with her two daughters.
• She emphasized the importance of generational wealth and passing financial knowledge down.

Financial Education & Wealth Management

• Many in the Black community lack access to financial education, leading to lost wealth.
• Fears stressed that financial literacy is available to everyone, not just those with advanced degrees.

High-Yield Savings & Investment Strategies

• Traditional banks offer low interest rates, while Morgan Stanley’s Preferred Savings Program provides 4.6% on cash deposits.
• She explained how banks use deposited money for overnight lending, profiting more than account holders.

Power of Compound Interest

• Fears illustrated how starting early leads to significantly higher returns over time.
• She compared two individuals saving at different ages, showing how early investment grows exponentially.

529 Plans & Roth IRAs for College Savings

• A 529 plan helps families save for college, and unused funds can be rolled into a Roth IRA.
• Roth IRAs allow tax-free growth, making them a powerful tool for long-term wealth building.

Name, Image & Likeness (NIL) Financial Planning

• Young athletes earning NIL money need financial education to manage their earnings wisely.
• The Fears Group provides guidance for athletes and their families to ensure long-term financial stability.

📘 About Sonia Fears
Sonia Fears is a leading financial expert specializing in stocks, savings programs, compounded interest portfolios, and lines of credit. She has over 17 years of experience in wealth management, previously working at Merrill Lynch before joining Morgan Stanley.

She is a Global Sports & Entertainment Director, helping clients in sports, entertainment, and business navigate financial success.

#AMI

#BEST

#STRAW

#SHMS

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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Audreanna Ayala.

🎙️ Episode Summary

She shares her inspiring journey from corporate finance professional to creative entrepreneur and founder of Ayala Balloon Events. Specializing in balloon décor and modern bounce house rentals, she has carved a niche in gender reveal events, blending artistry, family inspiration, and business savvy to create unforgettable experiences.

🔑 Key Points 👩‍💼 Background & Business Launch

• Works full-time in financial services while building her balloon décor business.
• Started in 2018 after becoming a mother and wanting to create unique party experiences for her children.
• Learned balloon artistry through Pinterest inspiration and formal balloon décor classes.

“I’m an artist—a balloon décor artist—not a balloon twister.”

🎈 Business Focus: Balloon Décor & Bounce Houses

• Offers custom balloon installations for weddings, birthdays, and corporate events.
• Provides modern bounce house rentals—elegant, white, and photo-friendly for adult events like bridal showers.
• Known for gender reveal setups with fireworks, detonators, and personalized backdrops.

“I’m creating core memories for every event in your life.”

💡 Creative Process & Client Experience

• Clients often bring inspiration photos, which she adapts with her own artistic flair.
• Emphasizes originality and refuses to replicate others’ designs exactly.
• Offers consultation, setup, and follow-up to ensure satisfaction.

“I want people to know me for my technique—not someone else’s.”

📣 Marketing & Branding

• Promotes primarily through Instagram, showcasing videos, stories, and behind-the-scenes content.
• Leverages her identity as a mother and perfectionist to connect with clients emotionally.

“I know what it’s like to be a mom. I want everything to be perfect.”

🚩 Challenges & Pain Points

• Corporate Events: Time constraints and setup logistics.
• Gender Reveals: Ensuring the correct gender color and managing firework safety.
• Last-Minute Changes: Accommodated when possible, but with additional fees.

“I don’t wear pink or blue to gender reveals—I stay neutral so I don’t give anything away.”

💰 Pricing & Operations

• Prices based on:
  • Materials and equipment
  • Labor and setup time
  • Insurance and safety
  • Additional staff for large events
• Emphasizes the importance of insurance and safety protocols, especially for fireworks and bounce houses.

🚀 Vision & Expansion

• Plans to expand gender reveal services beyond Georgia.
• Inspired by trends in Miami and aims to become a national leader in gender reveal experiences.
• Encouraged by Rushion to own her niche and market herself as the go-to expert.

“You are the queen of gender reveals. Own it.” — Rashawn McDonald

📌 Quotes to Highlight

• “Life doesn’t always go in order, but we can still create core memories.”
• “I’m not in the business of replicating someone else’s art.”
• “I want to be at the head of the gender reveal movement.”

#SHMS #STRAW #BEST

Support the show: https://www.steveharveyfm.com/

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