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 paralyzed
📈 How to build a mindset of growth, not lack

If you’ve ever felt like your money is just sitting still “just in case,” this episode will help you shift from survival mode to wealth mode.

👉 Watch, subscribe, and drop your thoughts below:
Is your emergency fund empowering or holding you back?
#7thCentsPodcast #EmergencyFund #ScarcityMindset #MoneyPsychology #AbundanceOverFear #FinancialFreedom #MoneyMindset

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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.

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 mindset, self-esteem, and real freedom.

🔑 Key Takeaways:

Flexing is often a cover-up for internal insecurity.

Lifestyle ≠ income — and that mismatch causes stress and debt.

Debt is a modern-day form of slavery.

Childhood influences shape how we spend as adults.

Instant gratification leads to long-term financial pain.

Self-worth should never be based on material status.

The path to freedom starts with self-awareness and financial literacy.

You don’t have to impress people who aren’t paying your bills.

👇 Comment below:
Have you ever felt pressure to flex? How did it impact your money moves?

📲 Follow us for more real talk:

#FlexCulture #The7thSense #MoneyMindset #DebtFreeJourney #FinancialFreedom #StopTheFlex #LiveBelowYourMeans

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 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 mindset, creativity, and networking matter more than GPA
💡 What parents and students should really be teaching the next generation

If you've ever felt like school didn’t prepare you for real life—this one’s for you.

👉 Tap in, drop a comment, and tell us your GPA story.
Would you rather be book smart or business smart?
#7thCentsPodcast #StudentSuccess #EntrepreneurMindset #EducationReform #FinancialFreedom #BlackExcellence #MoneyMindset

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 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 factor into the conversation
✔️ What it really means to build wealth through collective economics

Whether you're passionate about Black entrepreneurship or curious about where your dollars go, this episode challenges the norm and breaks down what “support” really looks like in today’s economy.

👉 Watch, Like, and Subscribe
🗣 Drop a comment: Do you support Black-owned businesses? Why or why not?
#7thCentsPodcast #BuyBlack #BlackOwnedBusiness #EconomicEmpowerment #SupportBlackBusiness #FinancialFreedom #MoneyMindset

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 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 mindset and the moves to make a difference.

🔑 Episode Takeaways:

Wealth is about what you own, not just what you earn.

Mindset and behavior shape financial success.

Community wealth is built through collaboration and shared strategy.

Financial literacy is a non-negotiable tool in the fight against poverty.

Generational wealth provides a head start — and it’s within reach.

Education, relocation, and collective action can bridge the wealth divide.


👇 Drop your thoughts in the comments:
How has your mindset or environment shaped your wealth journey?

📲 Stay connected:

#TheWealthGap #The7thSense #FinancialFreedom #BehavioralFinance #GenerationalWealth #MoneyMindset #EconomicJustice

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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 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!

🎯 Learn how to:

• Set financial goals with your refund
• Invest in your future instead of blowing the bag
• Build a foundation for long-term success
• Shift your tax-time mindset from spending to scaling

Don’t just get a refund — get a plan.

🎧 Tap in, take notes, and turn this season into a step toward your financial greatness.

#FactsPlusTax #CoachRLSimmons #KaleciaSimmons #TaxSeasonTips #FinancialGoals #MoneyMindset #TaxRefund #WealthBuilding #SmartMoneyMoves #LevelUpSeason #TheGOATBusiness #FinancialLiteracy

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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.