Financially Speaking

In this episode of Confidently Crypto, Dr. Tonya M Evans explains the major legal, regulatory, and cybersecurity risks shaping the digital asset economy. She shares what CFOs, GCs, and senior compliance leaders need to watch now, why proactive crypto compliance matters, and how to turn uncertainty into strategic advantage.

Visit Dr. Evans' website at: www.ProfTonyaEvans.com

Follow her socials: @IPProfEvans

To listen to more of Dr. Tonya Evans' Podcasts, Visit: https://proftonyaevans.com/podcasts/

Strategic Advisor | Digital Assets & Regulatory Policy

Advantage Evans, LLC

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As interest rates on high-yield savings accounts are declining, The Cashflow Coach delivers five alternatives that will keep your money making money. Tap in with host Tremell and guest Karen Hunter today!

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be difficult. Tune in weekly to unlock your full potential as an investor and make the most of your financial journey.

#MoneyCoach #WealthEnthusiast #CashflowCoach

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Every success story has a motivation behind it, and The Cashflow Coach is no different. In today’s episode, host Tremell McKenzie shares the reason this podcast exists and why it matters. She opens up about a moment many of us know too well: having to justify a bonus and wait for someone else to decide if we’re worthy of it. Recently, however, Tremell created a bonus for herself... no permission, no corporate gatekeepers, no waiting for validation. That shift is the heartbeat of this show. Your portfolio is your business. You are the CEO. And when you run...

Every part of your life has a rhythm, and your finances are no exception. On today's episode, “Just Like a Well‑Written Poem, Your Financial Life Has Its Own Rhythm," host Jacquette continues her exploration of the parallels between poetry and money. She shows how the same tools (meter, repetition, and pacing) poets use to shape meaning also show up in your money life. Your savings, investments, spending, earnings, pricing, etc., create a pattern...a beat. The real power lies in deciding whether that pattern is intentional or unrecognized and unwanted.

Financial Behaviorist Jacquette M. Timmons explores the p...

In this episode of "Confidently Crypto," Dr. Tonya M. Evans explores the complex landscape of cryptocurrency and its influence on politics. She discusses how the crypto industry uses super PACs to influence elections without transparency, highlighting the Maryland primary as a case study. Dr. Evans emphasizes the importance of understanding the distinction between crypto as a technology and the industry's political maneuvers. She encourages listeners to seek clarity and stay informed about the evolving regulatory environment, offering resources to help navigate the crypto space confidently.

Visit Dr. Evans' website at: www.ProfTonyaEvans.com

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In the wake of the “not guilty” verdict in the death of 14‑year‑old Cyrus Carmack‑Belton, many in the Black community are rethinking where, and with whom, they spend their money. On today's episode of The Cashflow Coach, host Tremell McKenzie and guest Karen Hunter discuss the fragile relationship between communities and the businesses that benefit from them. They explore what it means when profit is no longer guaranteed without genuine contribution and connection. At its heart, this is a conversation about the importance and the hidden power of reinvesting Black dollars into Black communities and yourself. Tune in!

Anthropic and SpaceX are dominating headlines right now, but what’s the real play behind these companies? On today’s episode of The Cashflow Coach, host Tremell McKenzie and guest Karen Hunter break down what it means for both companies to go public and whether investors should expect meaningful returns. With massive resources and early capital pouring in, are these IPOs the next Amazon, Apple, or Microsoft, or are we staring down another dot‑com‑style disaster? Spoiler: the outlook isn’t exactly rosy, but there are always more secure paths to consider.

Welcome to "The Cashflow Coach" wit...

Silence isn’t always empty; it can be information. In today’s episode, “With Poetry and Money, What You Leave Out Shapes Everything,” host Jacquette breaks down the power of omission and explains why the things we don’t say, don’t buy, or don’t react to can be just as powerful as the things we do. Poetry and money have more in common than you think, and the way you interpret the quiet moments can shape your entire lived experience. A silent choice is still a choice, and it can be the most intentional and powerful one you make.

Check out this #throwback episode of Confidently Crypto from 4.20.26! The crypto bros want the mic. The real story is someone else holding it. Dr. Tonya M. Evans takes you inside the unlikely Democratic coalition reshaping U.S. crypto policy, led by Senator Angela Alsobrooks of Maryland. A Banking Committee member, original GENIUS Act co-sponsor, and the lead Democrat who brokered the stablecoin yield compromise with Republican Senator Thom Tillis that just unlocked the market structure bill, Alsobrooks has built a record that centers consumer protection, community banks, and communities traditional finance has historically left behind.

Dr. Evans...

Today on The Cashflow Coach, host Tremell McKenzie wraps up the deep dive into Scott Galloway’s "The Algebra of Wealth." In the formula (Focus + Stoicism × Time × Diversification = Wealth), diversification may come last, but it’s far from least. Tremell breaks down why diversifying both inside and outside the stock market is essential, and why having backup plans for your backup plans is key. Diversification won’t eliminate every hit, but it will keep the inevitable losses from knocking you out. Tune in for a look inside and outside of your portfolio.

Welcome to "The Cashflow Coach" with Tre...

They say time wasted is time well spent, but so is time invested. Today on The Cashflow Coach, host Tremell McKenzie and guest Karen Hunter continue their breakdown of Scott Galloway’s "The Algebra of Wealth." After covering focus and stoicism, they now zero in on the power of time.

Tune in to learn why money invested early can travel farther than you ever imagined. In the game of compounding investment, patience can pay-off...big time!

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be difficult. Tu...

No one has a crystal ball, but everyone wants to know… will the market crash? On today’s episode of The Cashflow Coach, Tremell McKenzie and Karen Hunter dig into that question. With signs of heavy market manipulation, here’s the spoiler: it will crash; we just don’t know when or how hard.

So, the real question becomes: what’s your plan when it does? This conversation breaks down strategy, cash‑flowing assets, and how buying in a downturn can be a real gamechanger. Tap in!

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast...

Ready to choose better over familiar? You’re in the right place. Welcome back to part two of “Are You Letting Life Chase You?”

Host Jacquette and executive relationship coach Janis Vogel pick up right where they left off, this time diving deeper into Janis’ 12‑week program, The Love Method. It’s a framework for becoming a secure haven for yourself, with more financial parallels than you might expect.

They also explore healthy daily practices, emotional grounding, and so much more. You don’t want to miss this!

Financial Behaviorist Jacquette M. Timmons explores the p...

The clock on stablecoin regulation is already running, and most legal, compliance, and financial professionals can't hear it ticking. In this episode, Dr. Tonya Evans breaks down the GENIUS Act compliance timeline in plain English: what the federal stablecoin law actually requires, the deadlines that matter most including the FDIC comment window closing June 9, and the three things you can control today no matter what Washington does. If you advise on digital assets or sit anywhere near a compliance or risk function, this is your map.

Visit Dr. Evans' website at: www.ProfTonyaEvans.com

Few things feel better than turning what seemed like a sure loss into a solid win. Today on The Cashflow Coach, Tremell McKenzie and Karen Hunter talk about how Karen’s over-purchase of Nike shares became a profitable move thanks to strategy, patience, and Tremell’s advice. This episode is proof that there are always "options" and the right mindset can turn mistakes into money. Tune-in!

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be difficult. Tune in weekly to unlock your full potential as an investor and make...

We’ve all wondered: “How did they get wealthy? No really… what’s the secret?” Well, what if it’s a formula, and you can follow it too. On today’s episode of The Cashflow Coach, host Tremell McKenzie and guest Karen Hunter explore Scott Galloway’s "The Algebra of Wealth," with a spotlight on the variable that separates dreamers from doers: Focus.

They unpack why pushing past “no,” rejecting fear, and building confidence are essential to growing your money. Tune in and learn how to let “no” inspire your next move and not stop it. 

Welcome to "The Cashflo...

Let’s talk stock, and today, it’s all about Nvidia. On this episode of The Cashflow Coach, host Tremell McKenzie and guest Karen Hunter break down the company’s incredible 2,400% dividend increase and what that kind of move really says about its future. Tune in for insights, context, and why this move could signal a powerful opportunity for long‑term investors!

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be difficult. Tune in weekly to unlock your full potential as an investor and make the most of your fin...

Life can come at you fast, and it feels even faster when you’re running away from experiences instead of toward them.

In today’s episode, “Are You Letting Life Chase You?” host Jacquette sits down with executive relationship coach Janis Vogel to explore the difference between living life and simply reacting to it. In part one of this two‑part conversation, they dive into Janis’ journey to creating her 12‑week program, The Love Method, and unpack the difference between being stuck and being afraid, the power of authenticity, generational patterns, and the traits that both help and hinder hig...

The New York Stock Exchange is putting stocks on the blockchain, and Computershare, which keeps the ownership records for half the S&P 500, is doing the same. Dr. Tonya M. Evans answers a listener's question about what "tokenized stocks" actually mean, the one risky type to watch out for, and the questions to ask your financial advisor before they catch up. Plus, the latest on the CLARITY Act and how the same shift is playing out across the U.S. and West Africa.

New episodes every Tuesday. Resources at ProfTonyaEvans.com.

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Everyone knows gold gets all the attention, but what about silver?

Today on The Cashflow Coach, host Tremell McKenzie and guest Karen Hunter dig into that very question. After receiving a DM about using silver to build wealth, Tremell breaks down why that strategy can actually limit your earning potential. Tune in to hear why they both agree: while silver can be a solid place to store money, real growth comes from investments that actually generate income.

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be...

Today on The Cashflow Coach, Tremell McKenzie and Karen Hunter unpack the layered and often overlooked story of Annie Malone. She’s celebrated as the first Black millionaire — but the truth behind her success isn’t as straightforward as it seems. Tremell asks the question: "What was she selling?" Was it beauty? Was it assimilation? Or was it a reflection of the times she lived in? This conversation opens the door to a larger dialogue about conformity, social acceptance, and the financial consequences of striving to meet external standards. You don’t want to miss it!

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It’s normal to look forward to payday, most of us do, but should a paycheck be something you rely on so heavily that its timing dictates your life? On today’s episode of The Cashflow Coach, Tremell McKenzie and Karen Hunter break down why the paycheck cycle can feel so comforting… and why that comfort can become your downfall. When your income depends on someone else’s timing, you’re not actually in control. Listen in to learn how investing and intentional money management can shift you from waiting on payday to creating your own.

Welcome to "The Ca...

Waiting for the “perfect moment” is the fastest way to lose momentum. Things rarely settle, align, or behave the way we want. So, why keep telling yourself they will? In today’s episode, “Here’s What Makes the Myth of ‘Once Things Settle Down’ So Powerful,” Jacquette breaks down how this mindset tricks you into believing that more time, more energy, and more clarity are coming… eventually. Life, however, doesn’t happen in isolation; it happens in motion. Learning to move with that motion is where your real power lives. Your moment isn’t later. It’s right here.

Financial Behavior...

The CLARITY Act passed the Senate Banking Committee 15 to 9 on May 14, 2026, sending the bill to the Senate floor where it needs 60 votes. Senators Elizabeth Warren and Angela Alsobrooks, both Democrats, took opposite approaches: block versus engage. Dr. Tonya M. Evans, digital asset regulatory strategist and Forbes contributor, breaks down the markup, the failed Van Hollen ethics amendment, and what four days at the Bermuda Digital Finance Forum reveal about the future of U.S. crypto regulation.

Visit Dr. Evans' website at: www.ProfTonyaEvans.com

Follow her socials: @IPProfEvans

To listen to m...

Who controls your money? On today’s episode of The Cashflow Coach, Tremell reminds us why the person who cares most about your money, aka You, should also be the one managing it. She shares a friend’s eye‑opening experience with a long‑time advisor who saw her as just another number, and why that moment changed everything. Tune in to learn how getting guidance while still taking ownership of your wealth can be the most powerful strategy of all.

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be di...

On today’s episode of The Cashflow Coach, Tremell McKenzie is joined by Karen Hunter for a conversation about building empowerment through your portfolio, and they highlight the inspiring story of an elementary school teacher who did exactly that! Her story shows that with the right strategy; retirement becomes a future you can look forward to. So, tune in as Tremell offers a book pick and more insight as to why she sees the stock market as one of the fairest paths to steady, long‑term income.

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that...

Today on The Cashflow Coach, the money talk is all about annuities. They’re meant to provide steady income in retirement, but are they really a smart investment? Host, Tremell, shares an email she received asking that exact question and explains why; after digging into the details, she’s not a fan. From inflation to limited access to what happens if you don’t use it all, she breaks down the pitfalls. Tune in to explore smarter alternatives.

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be difficult. Tune i...

It’s what you asked for, right? Change. You felt stuck, knew there had to be a better way, or you simply weren't satisfied. So, you pursued change, but that doesn’t make the growing pains any easier. In today’s episode, “Here’s Why What’s Familiar Feels Better Than the Actual Process of Change,” Jacquette teases a conversation from a future episode while unpacking why familiar doesn’t always mean better, especially with money. Tune in to learn why the discomfort between where you are and where you want to be may be the most transformative part of your journey...

On Thursday, May 14, the Senate Banking Committee marks up the CLARITY Act in Washington. On the same day, hundreds of Bermudian residents will spend digital dollars at local merchants in Hamilton. One country is still arguing about whether stablecoins are allowed to compete with bank deposits. The other has been quietly running the answer for eight years.

In this episode, Dr. Tonya M. Evans walks through what's actually in the Section 404 compromise that Senators Tillis and Alsobrooks finalized May 1, what Western Union's official launch of its USDPT stablecoin on May 4 means for the next decade o...

On today’s episode of The Cashflow Coach, Tremell McKenzie shares a golden lesson from Napoleon Hill’s "Think and Grow Rich." The gold rush story reminded her that success isn’t always found where you first look, but it’s often found through strategy, adaptability, and resourcefulness. She connects this mindset to investing, especially in fast‑moving spaces like AI. Tune in to learn why, bubble or not, your strategy can keep you winning!

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be difficult. Tune in weekly to unlock...

Happy "Book" Friday! Today on The Cashflow Coach, Tremell dives deeper into one of her favorite self‑help books, The Compound Effect. She shares how revisiting it opened her eyes to new lessons, especially the power of protecting your momentum. Tune in to learn why small, consistent choices create progress, but the protection of that momentum is what makes that progress last.

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be difficult. Tune in weekly to unlock your full potential as an investor and make the most of yo...

Today on The Cashflow Coach, host Tremell McKenzie and guest Karen Hunter pick up right where last episode’s lively conversation left off. They dive deeper into the TikTok trend known as “The Age of Disclosure,” this time unpacking a real‑life story about accountability, and how our participation in the “illusion of wealth” shapes the financial health of the collective. Listen in as they break down why trading real financial strategy for the pressure to "keep up with the Joneses" might be costing you more than you think.

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast...

“I’ve always done it that way” might feel safe, but it can quietly hold you back. In today’s episode, “When Are Your Default Tendencies Helping You…Or Blocking You?” host Jacquette shares how stepping outside her usual routine not only solved the problem in front of her but also sparked joy! This conversation encourages you to pause, look closely at your thinking patterns and what shaped them, and ask whether they’re truly supporting your growth or quietly keeping you stuck.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you...

Late Friday night, May 1, 2026, Senators Thom Tillis (R-NC) and Angela Alsobrooks (D-MD) released the CLARITY Act compromise text on stablecoin yield — the single issue that has blocked the digital asset market structure bill from moving for almost five months. By Saturday, Coinbase, Circle, and other major crypto industry voices had publicly backed the compromise. The Senate Banking Committee markup is expected the week of May 11. The next 30 days will decide whether the United States passes its first comprehensive crypto market structure law in 2026.

In this episode, Dr. Tonya M. Evans walks through what's actually in the Tillis-Alsobrooks co...

Can a $200K salary actually buy comfort in New York City? Today on The Cashflow Coach, things get lively as Tremell McKenzie and Karen Hunter tackle the rising “age of disclosure” TikTok trend and the tough conversations it’s sparking about money, lifestyle, and what’s really affordable. Their back‑and‑forth might challenge your assumptions. So, listen in and find out where you land!

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be difficult. Tune in weekly to unlock your full potential as an investor and make the most of...

Today on The Cashflow Coach, host Tremell McKenzie and guest Karen Hunter step away from their usual stock talk and dive into the power of books, specifically one of Tremell’s favorites, The Compound Effect by Darren Hardy. Together, they break down how real success isn’t built on your biggest moves but the small yet consistent choices you make every single day. Tune in to find out why the discipline, research, knowledge, and time that you invest now can impact your future in ways that either propel you forward or hold you back.

Welcome to "The Cash...

Today's stock talk is piping hot! Yes, we're talking Starbucks! On this episode of The Cashflow Coach host Tremell McKenzie and guest Karen Hunter dive into Starbucks’ impressive numbers under new leadership. They discuss how making a "wrong" move and losing a stock should not discourage you to stay out of the game forever, but how mindset growth can ultimately lead to growth in your portfolio.

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be difficult. Tune in weekly to unlock your full potential as an investor and ma...

Your money problems may feel random, but they’re anything but. In today’s episode, “Do You Believe Your Money Problems Are Random? Think Again,” Jacquette uncovers the truth: financial challenges follow patterns, and those patterns can guide you. She walks through five subtle signals: money tightness, underpricing, revenue swings, spending drift, and burnout, that often point to deeper issues ahead. Tune in to learn how to spot these patterns and shift your focus before small problems become big ones.

Financial Behaviorist Jacquette M. Timmons explores the psychology, emotions, and math of money each week so that you can...

Last week on The Cashflow Coach, host Tremell McKenzie and guest Karen Hunter, talked about a "risky" stock named MLPi and whether the possible reward was worth the risk. Today they are back with a little bit of an update on moves made around that stock. Tune in because you may (or may not) be surprised by some of the speedbumps that were encountered along the way.

Welcome to "The Cashflow Coach" with Tremell McKenzie! The podcast that proves why investing doesn't have to be difficult. Tune in weekly to unlock your full potential as an investor...

In case you missed it!! Check out this #ICYMI episode of #ConfidentlyCrypto with Dr. Tonya Evans from 3/30/2026.  

What do law students, and the clients who rely on lawyers, need to understand about crypto law right now? In this episode of Confidently Crypto, Dr. Tonya M. Evans breaks down the biggest misconceptions about blockchain and digital assets, the landmark SEC-CFTC joint token taxonomy issued on March 17, the ongoing CLARITY Act negotiations, and why any lawyer not fluent in digital assets is already behind — and putting their clients at risk. Dr. Evans shares her own origin story, from...