Financial State of Minds

Hosted by Darrin Harvey

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Jun 2026

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About the show

Want to get out of debt, build stronger credit, and make smarter money moves? Better money starts with a better financial state of mind. Financial State of Minds with Darrin Harvey, the Money Counselor™, helps listeners rethink how they use money, credit, cash flow, and capital to create more stability, more options, and more opportunity. From rebuilding personal credit and escaping the debt cycle to understanding business credit, getting funding, securing loans, saving smarter, investing with more awareness, and making money work with more strategy, each episode turns complex financial topics into clear guidance people can put to work immediately. Through solo episodes, expert interviews, real life money conversations, and listener Q&A, Darrin uses his perspective as a financial coach, business advisor, keynote speaker, founder, and member of the visually impaired community to make financial education more accessible, practical, and actionable. Financial State of Minds is built for professionals, startups, small business owners, entrepreneurs, and everyday people ready to make money clearer, credit smarter, and better financial decisions easier to make.

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60 recent

June 15, 2026Episode 9926 min

Is There Really Such a Thing as “Good Debt”?

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 into.About Darrin HarveyDarrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve money systems, increase revenue, and make smarter money moves through accessible financial education, coaching, and practical business guidance.As a Financial Education Coach, Keynote Speaker, Podcast Host, Founder, and Blind Entrepreneur, he is committed to making money conversations more practical, inclusive, and actionable for everyday people and growing businesses.Support The FSM Podcast & Connect With Darrin Harvey:Leave A Review & Rate The FSM PodcastConnect With Darrin On LinkedInFollow Darrin On InstagramSubscribe To FSM On YouTubeNeed Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

June 10, 2026Episode 9834 min

Your Financial Situation Is Your Responsibility

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 Darrin HarveyDarrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve money systems, increase revenue, and make smarter money moves through accessible financial education, coaching, and practical business guidance.As a Financial Education Coach, Keynote Speaker, Podcast Host, Founder, and Blind Entrepreneur, he is committed to making money conversations more practical, inclusive, and actionable for everyday people and growing businesses.Support The FSM Podcast & Connect With Darrin Harvey:Leave A Review & Rate The FSM PodcastConnect With Darrin On LinkedInFollow Darrin On InstagramSubscribe To FSM On YouTubeNeed Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

June 8, 2026Episode 9718 min

Stocks vs Real Estate: Why I Changed My Mind

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 wealtAbout Darrin HarveyDarrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve money systems, increase revenue, and make smarter money moves through accessible financial education, coaching, and practical business guidance.As a Financial Education Coach, Keynote Speaker, Podcast Host, Founder, and Blind Entrepreneur, he is committed to making money conversations more practical, inclusive, and actionable for everyday people and growing businesses.Support The FSM Podcast & Connect With Darrin Harvey:Leave A Review & Rate The FSM PodcastConnect With Darrin On LinkedInFollow Darrin On InstagramSubscribe To FSM On YouTubeNeed Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

June 5, 2026Episode 9612 min

What’s Your Why? The Real Reason You Want More Money

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.About Darrin HarveyDarrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve money systems, increase revenue, and make smarter money moves through accessible financial education, coaching, and practical business guidance.As a Financial Education Coach, Keynote Speaker, Podcast Host, Founder, and Blind Entrepreneur, he is committed to making money conversations more practical, inclusive, and actionable for everyday people and growing businesses.Support The FSM Podcast & Connect With Darrin Harvey:Leave A Review & Rate The FSM PodcastConnect With Darrin On LinkedInFollow Darrin On InstagramSubscribe To FSM On YouTubeNeed Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

May 28, 202629 min

The Origin of Financial State of Minds: A Conversation with Darrin Harvey

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 everyonAbout Darrin HarveyDarrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve money systems, increase revenue, and make smarter money moves through accessible financial education, coaching, and practical business guidance.As a Financial Education Coach, Keynote Speaker, Podcast Host, Founder, and Blind Entrepreneur, he is committed to making money conversations more practical, inclusive, and actionable for everyday people and growing businesses.Support The FSM Podcast & Connect With Darrin Harvey:Leave A Review & Rate The FSM PodcastConnect With Darrin On LinkedInFollow Darrin On InstagramSubscribe To FSM On YouTubeNeed Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

May 18, 2026Episode 9546 min

What to Know Before Starting a Business | Business Structures, Mindset & Strategy

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 HarveyDarrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve money systems, increase revenue, and make smarter money moves through accessible financial education, coaching, and practical business guidance.As a Financial Education Coach, Keynote Speaker, Podcast Host, Founder, and Blind Entrepreneur, he is committed to making money conversations more practical, inclusive, and actionable for everyday people and growing businesses.Support The FSM Podcast & Connect With Darrin Harvey:Leave A Review & Rate The FSM PodcastConnect With Darrin On LinkedInFollow Darrin On InstagramSubscribe To FSM On YouTubeNeed Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

May 12, 2026Episode 8858 min

Mindset, Burnout, and Resilience: A Conversation with Tarik Williams

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 HarveyDarrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve money systems, increase revenue, and make smarter money moves through accessible financial education, coaching, and practical business guidance.As a Financial Education Coach, Keynote Speaker, Podcast Host, Founder, and Blind Entrepreneur, he is committed to making money conversations more practical, inclusive, and actionable for everyday people and growing businesses.Support The FSM Podcast & Connect With Darrin Harvey:Leave A Review & Rate The FSM PodcastConnect With Darrin On LinkedInFollow Darrin On InstagramSubscribe To FSM On YouTubeNeed Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

May 4, 2026Episode 8931 min

Good Debt vs Bad Debt: What You Need to Know Before You Borrow

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 HarveyDarrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve money systems, increase revenue, and make smarter money moves through accessible financial education, coaching, and practical business guidance.As a Financial Education Coach, Keynote Speaker, Podcast Host, Founder, and Blind Entrepreneur, he is committed to making money conversations more practical, inclusive, and actionable for everyday people and growing businesses.Support The FSM Podcast & Connect With Darrin Harvey:Leave A Review & Rate The FSM PodcastConnect With Darrin On LinkedInFollow Darrin On InstagramSubscribe To FSM On YouTubeNeed Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

April 27, 2026Episode 8652 min

Are Credit Scores a Form of Economic Control? Understanding the System

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 HarveyDarrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve money systems, increase revenue, and make smarter money moves through accessible financial education, coaching, and practical business guidance.As a Financial Education Coach, Keynote Speaker, Podcast Host, Founder, and Blind Entrepreneur, he is committed to making money conversations more practical, inclusive, and actionable for everyday people and growing businesses.Support The FSM Podcast & Connect With Darrin Harvey:Leave A Review & Rate The FSM PodcastConnect With Darrin On LinkedInFollow Darrin On InstagramSubscribe To FSM On YouTubeNeed Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

April 20, 2026Episode 8549 min

Side Hustles You Can Start for Under $500 (And How to Use AI to Scale Them)

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 HarveyDarrin Harvey, aka the people's Money Counselor™, helps professionals, startups, and small businesses build credit, strengthen cash flow, improve money systems, increase revenue, and make smarter money moves through accessible financial education, coaching, and practical business guidance.As a Financial Education Coach, Keynote Speaker, Podcast Host, Founder, and Blind Entrepreneur, he is committed to making money conversations more practical, inclusive, and actionable for everyday people and growing businesses.Support The FSM Podcast & Connect With Darrin Harvey:Leave A Review & Rate The FSM PodcastConnect With Darrin On LinkedInFollow Darrin On InstagramSubscribe To FSM On YouTubeNeed Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!