Financial State of Minds with Darrin Harvey

Hosted by Darrin Harvey

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Oct 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

October 29, 2026Episode 1041 hr 0 min

More Than Pizza: How Sonia Mani Built a Community Business | Business Spotlight Ep. 1

In the debut episode of Business Spotlight, Darrin Harvey visits Straw Hat Pizza in Hayward, California, to interview owner Sonia Mani. Discover how she spent 13 years building a community-centered restaurant while managing employees, raising two children, and launching a second business. Sonia shares practical lessons about franchising, business finances, customer loyalty, and entrepreneurship. About Darrin Harvey Darrin Harvey, aka the 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, 3x 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: Rate & Review the Podcast Connect on LinkedIn Follow on Threads Follow on Instagram Subscribe on YouTube Need Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

October 15, 20261 hr 7 min

The Great American Retirement Myth: Is Everything We Know About Retirement Wrong?

Is everything we've been taught about retirement planning still relevant? Financial industry professional and author Jim Capuano joins Darrin Harvey to challenge conventional retirement advice and discuss what he calls The Great American Retirement Myth . Together, they explore Social Security, Medicare, retirement taxes, 401(k)s, Roth accounts, annuities, life insurance, reverse mortgages, and alternative ways to prepare for retirement. Plus, Darrin shares his personal perspective on Social Security Disability Insurance (SSDI) and why financial education matters at every stage of life. Are you preparing for retirement—or simply following the same financial advice everyone else has followed for decades? Tune in and join the conversation! About Darrin Harvey Darrin Harvey, aka the 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, 3x 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: Rate & Review the Podcast Connect on LinkedIn Follow on Threads Follow on Instagram Subscribe on YouTube Need Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

July 23, 202640 min

Turning Pain Into Purpose: My Journey to Financial Security (Live Keynote)

In this special live episode, Darrin shares the deeply personal story that inspired his lifelong passion for financial security and the creation of Financial State of Minds. Recorded during a keynote speech at the Silicon Valley Council of the Blind, Darrin reflects on becoming legally blind, caring for his father through Alzheimer’s disease, and the life experiences that taught him why preparing financially is one of the greatest gifts you can give your loved ones. This motivational talk is a reminder that financial security isn’t just about money—it’s about protecting the people you love. About Darrin Harvey Darrin Harvey, aka the 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, 3x 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: Rate & Review the Podcast Connect on LinkedIn Follow on Threads Follow on Instagram Subscribe on YouTube Need Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

June 30, 202646 min

The Five Pillars of Personal Finance | A Live Financial Literacy Workshop

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 responsibility is the foundation of long-term financial success. About Darrin Harvey Darrin Harvey, aka the 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, 3x 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: Rate & Review the Podcast Connect on LinkedIn Follow on Threads Follow on Instagram Subscribe on YouTube Need Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

June 19, 2026Episode 1001 hr 1 min

Juneteenth Special: Money, Mindset & Motivation Through the Lens of Black Men (Part 1)

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 conversation. About Darrin Harvey Darrin Harvey, aka the 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, 3x 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: Rate & Review the Podcast Connect on LinkedIn Follow on Threads Follow on Instagram Subscribe on YouTube Need Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

June 17, 2026Episode 1011 hr 10 min

If You Had to Spend $50,000 in 48 Hours, What Would You Do?

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 money. React and engage with Darrin's viral thread. About Darrin Harvey Darrin Harvey, aka the 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, 3x 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: Rate & Review the Podcast Connect on LinkedIn Follow on Threads Follow on Instagram Subscribe on YouTube Need Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!

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 Harvey Darrin Harvey, aka the 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, 3x 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: Rate & Review the Podcast Connect on LinkedIn Follow on Threads Follow on Instagram Subscribe on YouTube Need 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 Harvey Darrin Harvey, aka the 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, 3x 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: Rate & Review the Podcast Connect on LinkedIn Follow on Threads Follow on Instagram Subscribe on YouTube Need 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 wealt About Darrin Harvey Darrin Harvey, aka the 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, 3x 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: Rate & Review the Podcast Connect on LinkedIn Follow on Threads Follow on Instagram Subscribe on YouTube Need 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 Harvey Darrin Harvey, aka the 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, 3x 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: Rate & Review the Podcast Connect on LinkedIn Follow on Threads Follow on Instagram Subscribe on YouTube Need Personal Or Business Financial Coaching, A Keynote Speaker, Or Want To Sponsor The Podcast? Click Here To Contact Darrin's Team!