Coffee No Cream - Ep 57 - Black Women Don't Have a Money Problem | Teri Williams, OneUnited Bank

Coffee No Cream - Ep 57 - Black Women Don't Have a Money Problem | Teri Williams, OneUnited Bank

What does it really mean to build wealth as a Black woman? In this episode of Coffee No Cream, I sit down with Teri Williams, President and COO of OneUnited Bank, the largest Black-owned bank in the United States, to talk about money, entrepreneurship, corporate America, purpose, and the lessons Black women need to hear about wealth. Teri shares the story of her great-grandmother, an entrepreneur who helped shape her understanding of success long before Brown University or Harvard Business School. We discuss the difference between income and wealth, why many Black women underestimate their financial strengths, and how discrimination continues to impact financial outcomes. We also talk about navigating corporate environments, responding to negativity with grace, finding your calling, and why success should be defined on your own terms. If you're a Black woman building a career, a business, or a life that reflects your values, this conversation is for you.In this episode: * Building wealth vs. building income * The legacy of Black entrepreneurship * Lessons from the largest Black-owned bank in America * Why Black women are often better with money than they realize * Corporate America, leadership, and navigating bias * The difference between your job and your calling * Responding to negativity without losing yourself * AI, technology, and opportunities for the future Open a OneUnited Bank Account 🌐 OneUnited Bank [https://www.oneunited.com]Watch Teri's podcast, Who's Your Ma Honey [https://www.youtube.com/@oneunitedbank] ☕ Coffee No Cream is a podcast dedicated to Black women sharing the moments, challenges, and lessons that shape our professional and entrepreneurial journeys. 📌 ⁠⁠Join the Coffee No Cream Community⁠⁠ [https://www.facebook.com/groups/coffeenocream] 📚 ⁠⁠Free Educational Resources [https://CoffeeNoCream.com/free]⏰Timestamps (00:00) Highlights (01:39) Introduction (03:23) Meet Teri Williams, COO of OneUnited Bank (05:56) The Great-Grandmother Who Shaped Her Success (09:35) From Indian Town to Brown University (12:59) Why Teri Left American Express (15:52) Black Women, Wealth & the Real Problem (19:58) Why We Need Black-Owned Banks (24:18) Homeownership and Building Wealth (29:37) Financial Advice for Young Black Women (33:10) Credit Scores, Debt & Financial Health (38:42) Entrepreneurship vs Corporate America (44:31) Your Job vs Your Calling (49:12) Navigating Corporate Spaces with Grace (55:43) Why Teri Is Optimistic About AI (1:00:14) Technology, Business & the Future (1:04:55) Final Advice for Black Women (1:08:01) Supporting Black-Owned Banks (1:09:48) Closing Thoughts

Coffee No Cream Ep 56 - Everybody Can't Consult | The Money You're Already Sitting On

Everybody's telling you to consult. But is that really the move?If you've been thinking about leaving corporate and someone told you to "just start consulting," this episode is for you. Consulting can be lucrative, but it's not a quick money grab, and it's not for everyone. It takes time, network, strategy, and a willingness to sell yourself. And a lot of us don't want to do all that. Here's what nobody's talking about: you're probably already sitting on something you could be monetizing right now. Something that has nothing to do with your degree or your corporate career. Something people are already coming to you for. Maybe even something you've been giving away for free.In this episode, we talk about three questions that can help you figure out what that is and how to start making moves. Important Links 📌 ⁠Join the Coffee No Cream Community⁠ [https://www.facebook.com/groups/coffeenocream] 📚 ⁠Free Educational Resources [https://CoffeeNoCream.com/free] (0:00) Consulting isn't the quick money grab (0:32) Meet my sister, the pianist who won't monetize (4:07) You don't have to jump ship, the misconception (5:49) The Gen X degree allegiance (9:11) Black women have always been enterprising (13:20) Three ways you're already sitting on money (13:32) Question 1: What problem annoys you enough to solve? (18:08) Question 2: What do people always come to you for? (20:44) Question 3: What are you giving away for free? (24:58) Goldman Sachs cohort, business doesn't have to look one way (26:12) Go forth. Do you.

Coffee No Cream Ep 55 - Yes, Claude... That Part. | Using AI to Find Your Value as a Black Woman

Black women are some of the most brilliant, capable professionals in any room...and we are chronically underselling ourselves. Not because we don't work hard. Because we've been conditioned to describe our tasks instead of our value. And those are two very different things. In this episode, I'm doing something I've never done before. I'm sitting down with Claude live, on screen, and walking you through exactly how I use AI to extract my value from the work I've already done. No fancy prompts. No special training. Just talking. You're going to see me describe two of my projects and watch Claude reflect back something I wasn't fully seeing about myself. And yes... that part hit. Whether you're trying to move up, move out, or move into your own thing...you cannot get to the bag until you know what you're actually worth. This is that exercise. 🔗 Listen to Episode 43 [https://spotifycreators-web.app.link/e/w8pEFpGZi3b] 📌 Join the Coffee No Cream Community [https://www.facebook.com/groups/coffeenocream] 📚 Free Educational Resources [https://CoffeeNoCream.com/free] TIMESTAMPS (00:00) What Claude Said About Me (01:28) Why Black Women Undersell Themselves (02:53) What We're Doing Today (04:33) Welcome to Coffee No Cream (06:00) You Don't Need Perfect Prompts (06:58) How I Set Up Claude to Challenge Me (08:31) Let's Get Into the Exercise (09:31) Project 1: The Grant Application That Wasn't a Form (14:00) Claude's Response — That's Not a Developer Skill (18:20) Project 2: 11 Years of Business Transformation (22:25) Claude's Response — You Kept a Company Alive (23:49) The Undercharging Moment (25:00) What Claude Saw Across Both Projects (28:00) You Are an Operational Architect (33:00) What This Means For You

Coffee No Cream Ep 54 - Black Women: Your Algorithm is NOT Reality

One year ago this week, I launched the Coffee No Cream podcast to create community, conversation, and support for Black women navigating life, business, work, relationships, and the unique experiences we carry every day. But one year later, I think we need a reset. In this anniversary episode, I’m talking about mental hygiene, overstimulation, algorithms, emotional exhaustion, online discourse, discernment, and how social media may be shaping the way we think more than we realize. This conversation is not anti-awareness, anti-community, or anti-social media. It’s about protecting our peace, thinking from within self, and making sure we don’t lose ourselves inside the noise. 👉🏿 Algorithms and emotional overload 👉🏿 Internet “experts” and chosen voices of influence 👉🏿 Why your feed is not reality 👉🏿 Overconsumption of discourse and outrage 👉🏿 Mental clutter and overstimulation 👉🏿 Why your mind needs quiet 👉🏿 Black women, discernment, and emotional boundaries 👉🏿 The difference between feeling seen and becoming psychologically trapped If you’ve been feeling mentally noisy, emotionally overwhelmed, overstimulated, or exhausted lately… this episode is for you. Subscribe for new episodes and conversations.------ ⁠Join our private Facebook community⁠⁠⁠⁠⁠ [https://www.facebook.com/groups/coffeenocream] ⁠⁠⁠⁠⁠Get almost 2,000 Free Educational Resources⁠⁠⁠⁠⁠ [https://coffeenocream.com/free] ⁠⁠⁠⁠⁠Need help with your next move? Book a motion session with me.⁠⁠⁠⁠ [https://coffeenocream.com/motion] (00:00) One year later… why Black women need a reset (03:15) Mental hygiene and emotional overstimulation (08:42) Checking our response to what we consume online (15:27) Feeling seen vs absorbing everyone else’s pain (21:06) Your chosen voices of influence matter (28:41) Charisma, internet experts & discernment (35:02) “Your algorithm is not reality” (42:18) Relationship discourse, race discourse & online narratives (50:34) Are you thinking for yourself or repeating the internet? (58:40) Checking what deserves your mental energy (1:06:12) Comments, outrage culture & emotional investment (1:13:47) The Goldman Sachs reset realization (1:19:55) Your mind needs quiet (1:25:21) Walking in silence & turning the noise off (1:31:06) Protecting your peace without disconnecting from reality (1:36:22) Final reflections on discernment, clarity & mental hygiene

Coffee No Cream Ep 53 - Your Trauma Made You Powerful | A Conversation Black Women Need

Some Black women don’t just survive trauma. They develop what Courageous calls “trauma upgrades.” In this episode of Coffee No Cream, Erin Braxton sits down with Courageous for a powerful conversation about survival, self-protection, emotional conditioning, healing, and the ways Black women learn to adapt in environments that were never designed to protect us. Together, they unpack the hidden cost of constantly being strong, the pressure to overperform, and how trauma can shape everything from relationships to business to identity. But they also explore how some of those same survival skills can become tools for transformation when we finally recognize what’s happening. This conversation is honest, emotional, reflective, and deeply familiar for many Black women. If you know, you know. ☕ Topics discussed: • Trauma upgrades • Survival patterns in Black women • Emotional conditioning • Overgiving and self-sacrifice • Healing and self-awareness • Identity and protection • Black women and resilience • The cost of always being “strong” Coffee No Cream is a podcast unapologetically dedicated to Black women navigating life, work, identity, and the unique experiences that come with being a Black woman in the world. Connect with Courageous Fire Facebook [https://www.facebook.com/courageousaccess] Instagram [https://www.instagram.com/courageousaccess/] TikTok [https://www.tiktok.com/@courageousaccess] YouTube [https://www.youtube.com/@courageousaccess] ⏰ TIMESTAMPS (00:00) Trauma upgrades + generational wealth (00:57) Introduction to Courageous Fire (03:46) Surviving domestic violence (05:58) Why Black women develop “x-ray vision” (09:20) Trauma upgrades explained (14:22) Learning survival skills through trauma (18:41) Why Black women overperform (24:48) The danger of constantly serving others (30:54) Black women, protection, and emotional labor (36:40) Mammy, Jezebel, Sapphire, and stereotypes (42:58) “They study Black women and then steal” (48:11) Why healing changes everything (54:30) Building safe spaces for Black women (58:55) The Homecoming event for Black women (1:04:48) Final thoughts + encouragement