Support the show Follow Coach R.L. on all Social Platforms @coachrlsimmons and don't forget, Change Your Mind, Change Your Money, Change Your Life.

In this episode of The 7th Cents Podcast, Mike Macklin and Coach R.L. Simmons get real about one of the biggest financial questions today: Is homeownership still the American Dream—or just an expensive illusion? They unpack: 🏠 Why owning a home was once the ultimate goal—and why that’s changing 📉 Rising costs, interest rates, and generational shifts in priorities 💰 Is renting really “throwing money away”? 🧠 The mindset difference between buying a home vs. building we...

In this thought-provoking episode of The 7th Cents Podcast, Mike Macklin and Coach R.L. Simmons challenge one of the most widely accepted personal finance rules: Do emergency funds actually help—or do they keep us stuck in a scarcity mindset? They dig into: 💸 The psychology behind saving for “just in case” 🧠 How fear-based financial advice can block abundance 🏦 When emergency funds are wise—and when they’re limiting 🧾 The difference between being prepared and being par...

Support the show Follow Coach R.L. on all Social Platforms @coachrlsimmons and don't forget, Change Your Mind, Change Your Money, Change Your Life.

Support the show Follow Coach R.L. on all Social Platforms @coachrlsimmons and don't forget, Change Your Mind, Change Your Money, Change Your Life.

In this raw and revealing episode, Coach RL and Money Mike take the mask off Flex Culture — exposing how the pressure to look rich is keeping too many people broke. 💸 They dive into the psychological traps, childhood programming, and social pressures that push people to live beyond their means. From maxed-out credit cards to luxury lifestyles built on lies, this episode challenges listeners to ask: Is your flex worth your freedom? This is more than just a financial conversation — it’s about...

In this eye-opening episode of The 7th Cents Podcast, Mike Macklin and Coach R.L. Simmons break down a hard truth: why A students often end up working for C students—and what it says about our education system, mindset, and definitions of success. They explore: 🔍 The difference between academic intelligence and entrepreneurial hustle 💼 Why grades don’t always translate to real-world financial success 📚 How school rewards perfection while business rewards risk 👨🏾‍🏫 Why ...

In this episode of The 7th Cents Podcast, Mike Macklin and Coach R.L. Simmons dive deep into the conversation around supporting Black-owned businesses. Is buying Black a revolutionary act or just a trendy phrase? They explore: ✔️ The real economic impact of circulating the dollar in Black communities ✔️ Common misconceptions and barriers to supporting Black businesses ✔️ The difference between support, loyalty, and accountability ✔️ How quality, pricing, and service fa...

In this eye-opening episode, Coach RL and Money Mike unpack the real story behind the wealth gap — not just the numbers, but the narratives that shape them. This isn’t just about income inequality; it’s about ownership, mindset, behavior, and collective power. 🔥 We challenge the myths, explore the role of behavioral finance, and dive into how cultural and educational systems contribute to economic disparity. From generational wealth to community-driven solutions, this episode gives you the m...

In this episode of Facts Plus Tax, Coach RL and Kalecia break down how to turn tax season into goal season 💸. Whether you're getting a big refund or just a little back, this conversation is all about strategy over spending. They’re giving you real-life ways to leverage your tax refund — from building an emergency fund to starting that business you've been dreaming about. Even if you’re someone who owes instead of receives, don’t worry — they’ve got perspective and planning tips for you too! 🎯...

In this must-listen episode of the Veteran's Growing America Podcast, hosts Donnell Johns and R.L. Simmons have an engaging conversation with Rick Robinson, a former Marine turned celebrated filmmaker and educator. Discover Rick's transformative journey from the discipline and camaraderie of the Marine Corps to the creative echelons of Hollywood. 🌟 Episode Highlights: Marine Foundations: Delve into Rick's experiences in the Marine Corps, understanding how his service shaped his values, work e...

Ever feel like you’re grinding so hard just to survive, you forgot what it feels like to actually live? In this powerful episode of The 7th Cents Podcast, Coach RL and Money Mike dive deep into the silent struggle of being in survival mode—especially in communities where being strong, available, and successful is expected 24/7. 💬 We talk: 💰 The hidden cost of "being everything to everybody" 💔 How survival mode kills joy, dreams, and emotional health 🧠 The mindset shift from ...

Ever feel like you’re grinding so hard just to survive, you forgot what it feels like to actually live? In this powerful episode of The 7th Cents Podcast, Coach RL and Money Mike dive deep into the silent struggle of being in survival mode—especially in communities where being strong, available, and successful is expected 24/7. 💬 We talk: 💰 The hidden cost of "being everything to everybody" 💔 How survival mode kills joy, dreams, and emotional health 🧠 The mindset shift from ...

In this episode of Facts Plus Tax, Robert and Kalecia dive deep into the art of relentless goal setting — the kind that doesn’t just live in your head, but shows up in your habits, your calendar, and your bank account. 💼📅💰 They break down why simply thinking about your goals isn’t enough and how real transformation comes when you align your actions with a clear, measurable plan. From personal growth to business building, they share how goal setting has shaped their success as a powerhouse cou...

Welcome to another insightful episode of the Veteran's Growing America Podcast, hosted by the dynamic duo Donnell Johns and R.L. Simmons. In this episode, we sit down with the remarkable Andre Connell, a distinguished veteran who has seamlessly transitioned from military service to the challenging world of entrepreneurship. 🌟 Episode Highlights: Andre's Valiant Military Service: Dive deep into Andre's experiences and lessons learned during his time in the military. Discover the values and ski...

In this thought-provoking episode of The 7th Cents Podcast, hosts Mike Macklin (Money Mike) and Rob Lee Simmons (Coach RL) break down the sunken cost fallacy — and not just in your wallet, but in your relationships, careers, and everyday decisions. They explore: What the sunken cost fallacy is and how it shows up in real lifeWhy we stay stuck in bad investments — emotional, financial, or otherwiseThe mindset shift needed to walk away without guiltHow to recognize when you're holding on to som...

🎙️ Welcome to the first episode of Facts Plus Tax with Coach RL and Kalecia! 🎙️ In today's episode, Being Fearless in Failure, Rob and Kalecia dive into the REAL conversations around fear, failure, and the fear of failing again. 🔥 Failure is part of the journey — but staying stuck in fear doesn't have to be. 💥 In this raw and empowering discussion, they break down actionable steps you can take when you're feeling paralyzed by fear, overwhelmed by past mistakes, or struggling to move forward. ...

In the inaugural episode of "The Veterans Growing America Podcast," hosts Donnell Johns and R.L. Simmons are honored to welcome Leroy Brown, a Marine Veteran and the creative force behind Leroy Brown Art. Delve into the captivating story of how Leroy's military journey has shaped his entrepreneurial spirit and fueled his passion for art. Leroy opens up about his unique experiences in the Marines, shedding light on the discipline, resilience, and perspectives he gained during his service. He ...

In this episode of The 7th Cents Podcast, hosts Mike Macklin (Money Mike) and Rob Lee Simmons (Coach RL) dive deep into one of the most debated topics in parenting and finance: Should you pay for your kids' college education? They explore: The cultural pressures and expectations around college Whether trade skills might be a smarter investment Personal stories on financial lessons and family dynamics The importance of financial literacy from a young age Why building financial independen...

In this informative episode of The Greatness Academy Podcast, we’re joined by international real estate investors Chris Anderston and Rafeal Hughley. Together, we delve into the world of real estate investment, discussing strategies, challenges, and opportunities that come with operating in global markets. Episode Highlights: Real Estate Fundamentals: Chris and Rafeal share essential principles that every investor should know when entering the real estate industry.Global Investment Strategies...