The Money Variable Podcast

Many business owners start with one setup and never revisit it… even as their income grows. The result? You could be paying more in taxes simply because your structure isn’t aligned.It’s not just about how much you make.It’s about how it’s structured!

It’s not tax planning if it happens during tax season.If you’re only thinking about taxes when your return is being prepared, you’re reacting, not planning.Tax planning should show up in how you operate all year!

Business owners… this one is for you!We are still in the middle of tax season, and for many of you, things may feel stressful, confusing, or even overwhelming. But this is exactly why this conversation matters right now.This month on The Money Variable Podcast, Marjorie E. Roberts, BSBA Senior Accountant, is launching a 3-part series on Tax Planning for Business Owners.This series is not about complicated strategies. It is about understanding what is happening in your business right now and what needs to change moving forward, so taxes do not keep catching you off guard.Series Title: Tax Planning Is Not a Season… It’s a StrategyWe are kicking things off with:Part 1: What Tax Season Is Telling You About Your BusinessIf you are a business owner trying to stay on top of your finances, remain compliant, and avoid the same stress every year, this is for you.Let’s start making smarter moves with our money.

Join us for the final episode of our Day Trading Series: Futures Trading & Execution.This is where it all comes together. We’re breaking down the fundamentals of futures trading and showing you how trades are executed in real time. If you’ve been following the series, this final session will help you connect the dots and move with greater confidence.Whether you’re just getting started or ready to go deeper, this is an episode you do not want to miss.Let’s continue solving the equation for financial wellness. Link to the 'Million Dollar Strategy' e-book:https://milliondollar.gumroad.com/l/MDS...

The March Day Trading Series Continues!In this episode of The Money Variable Podcast, the March Day Trading Series continues with Day Trading Mentor Jewaun Washington as we take a deeper look into Options Trading and how trades are actually executed in the market. This installment builds on the foundation from Part 1 and focuses on what traders analyze before entering a trade.In this episode, we discuss: • How options trades are executed • What traders look for before entering the market • Key factors that influence trade decisions • The importance of preparation and strategy when trading optionsNo hype. No guessing. Just real strategy and financial education.

The March Day Trading Series Begins!In this episode of The Money Variable Podcast, we kick off the March Day Trading Series with Day Trading Expert Jewaun Washington. This session lays the foundation for understanding the world of day trading and is the first installment in a series focused on breaking trading concepts down from the ground up.In this episode, we discuss: • What day trading really is • The difference between trading and investing • How beginners can realistically get started • The mindset required to trade with discipline and consistencyNo hype. No guessing. Just real strategy and financial education.

 Preparing for Homeownership: From Offer to Keys: What Really HappensThe offer was accepted.You’re excited!Now what?This is the part nobody really talks about.Inspections Appraisals Underwriting More documentsWaitingAnd wondering if everything is still on trackIn this final episode of our series, we are breaking down what really happens between an accepted offer and closing day, so you are not caught off guard.We’re covering:• Earnest money • What underwriting actually does• Why lenders ask for documents again• What can delay your closing• What “Clear to Close” really means• The mistakes to avoid before you get the keys If you’re thinking about buying, are currently under contract, or just want clarity on the process, this episode is for you.This is real life.This is preparation.This is ownership.

You do not need 20% down.You need information.We’re breaking down: • Loan options• Down payment assistance• What lenders are really looking forLet’s solve the equation!

Homeownership starts long before you submit an application. It starts with understanding your numbers.In this episode, we are discussing:• What lenders look for in your credit profile• How income is evaluated• What debt-to-income really means• And how to determine whether you are financially positioned to move forwardIf you have ever asked yourself, “Am I ready?” — this conversation is for you.Preparation brings confidence. Clarity brings power.

Tonight, we are breaking down the myths and madness concerning homeownership. Our experts will provide tips, dispel myths, and address the fears that often prevent people from achieving homeownership.

In this episode, we dive into real, practical solutions for individuals and families affected by the SNAP crisis, job loss, or sudden financial setbacks. If you’re wondering where to turn when money is tight and the fridge is running low, this conversation is for you.

Life insurance isn’t just for funerals — it's one of the most powerful wealth-building tools available. In this episode, we break down how strategic life insurance planning can help you build generational wealth, create tax-free retirement income, access cash-value for investing, fund your business, protect your family, and shift your entire financial legacy. From insurance policies used by high-net-worth families, we uncover real strategies the wealthy use — and how everyday families and entrepreneurs can do the same.This episode features Michelle Pendleton-Johnson, Founder & CEO of Eternity Insurance Agency — a veteran insurance broker and wealth strategist with 30+ years helping individuals, families, and business owners secure financial freedom through smart insurance solutions.Hosted by Marjorie E. Roberts, Senior Accountant, CEO of Roberts Mangum & Bennett Consulting, and Founder of The Money Variable, who is dedicated to advancing financial literacy, business preparedness, and wealth education in underserved communities, particularly entrepreneurs and small business owners.If you're serious about financial freedom, protecting your family, building Black wealth, or using insurance to create real lifetime income and long-term security — this conversation is for you.

In this powerful episode, Dr. Nikisha Ware — Chief Impact Strategist and founder of Divergent Life Solutions — breaks down the truth about using life insurance as a tool for wealth-building, emotional stability, and generational legacy. Dr. Ware explains how women — especially mothers, professionals, and entrepreneurs — can leverage whole life, term life, and IUL (Indexed Universal Life) insurance to build cash value, fund business growth, pay off debt, create tax-free retirement income, and protect their children and household. She also dives into key person insurance, buy-sell agreements, retirement rollovers, beneficiary planning, mental and emotional wellness around money, and building a family legacy through life insurance and trusts.Dr. Ware sits down with Marjorie E. Roberts, Senior Accountant/CEO of Roberts Mangum & Bennett Accounting Firm and Founder of The Money Variable Non-Profit, for a transformational conversation designed to give clarity and confidence to women looking to secure their financial future, build generational wealth, and approach money with peace instead of fear — while highlighting the importance of guidance, strategy, and emotional support on the journey to financial freedom.Keywords:Financial literacy for women, life insurance for entrepreneurs, whole life vs. term life insurance, IUL life insurance explained, Indexed Universal Life policy benefits, life insurance for mothers, financial planning for women, retirement rollover strategies, tax-free retirement income, wealth-building for Black women, generational wealth strategies, business succession planning, key person insurance, buy-sell agreement life insurance, cash-value life insurance, self-funding with life insurance, financial wellness and mental health, women entrepreneurs and money, financial empowerment for women, legacy planning and family trust, life insurance wealth strategy, faith-based financial education, financial podcast for women, Black women and wealth building.

This episode breaks down the real-life financial pitfalls entrepreneurs face when they blend personal spending with business bank accounts — and how unresolved financial trauma often influences those decisions. Many business owners struggle to separate business and personal money, and the truth is, your personal spending habits will always show up in your business.In this episode, Marjorie E. Roberts, Senior Accountant & CEO of Roberts Mangum & Bennett Accounting Firm, explains why using your business account like a personal wallet can sabotage your bookkeeping, tax planning, payroll, and long-term business stability. She also shares practical strategies to build healthier money habits, set up proper financial systems, pay yourself the right way, and avoid emotional spending disguised as “business decisions.”Whether you're a new entrepreneur or growing your business, this conversation will help you create financial discipline, protect your business account, and build a solid foundation for long-term wealth — both personally and professionally.Key Topics:Untangling business vs. personal financesFinancial trauma and emotional spending triggersCommon business banking mistakes and how to prevent themHow to properly pay yourself as a business ownerSetting up systems for taxes, payroll, and accountabilityWhy mixing accounts harms business growth and planning

Licensed professional counselor Leona Bishop, Eds, LPC-S joins The Money Variable Podcast to unpack how financial trauma and emotional patterns shape the way we earn, spend, and save. With over 30 years of experience in trauma-informed therapy, EMDR, and Internal Family Systems (IFS), Leona shares how unhealed money wounds can create fear, avoidance, and overspending—and how true healing begins within.Hosted by Marjorie E. Roberts, Senior Accountant, CEO of Roberts Mangum & Bennett Consulting, and Founder of The Money Variable Nonprofit Organization, this episode bridges mental health, money mindset, and financial freedom. Learn how to regulate emotions, reframe scarcity thinking, and take control of your financial story.