Financial State of Minds

Welcome to Financial State of Minds with Darrin Harvey, the Money Counselor™, where better money starts with a better financial state of mind. From debt and credit to cash flow, funding, saving, investing, and smarter money moves, this podcast turns complex financial topics into clear guidance you can use in life and business. No shame. No confusing jargon. Just real conversations and practical strategies to help you make money clearer, credit smarter, and better financial decisions easier.

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Recent Episodes

What to Know Before Starting a Business | Business Structures, Mindset & Strategy
May 18, 2026

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 t...
Mindset, Burnout, and Resilience: A Conversation with Tarik Willi
May 11, 2026

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

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 ...
Good Debt vs Bad Debt: What You Need to Know Before You B
May 4, 2026

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

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 ...
Are Credit Scores a Form of Economic Control? Understanding the System
April 27, 2026

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 lit...
Side Hustles You Can Start for Under $500 (And How to Use AI to Scale Them)
April 20, 2026

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 an...
What Happens After Financial Freedom? (The Truth About “F You Money”)
April 13, 2026

What Happens After Financial Freedom? (The Truth About “F You Money”)

Darrin and Maurice Shabazz continue their discussion on financial freedom by exploring what happens after you reach your financial freedom number. From “F You money” to giving back and building legacy, this episode focuses on...

About the Host

Darrin Harvey Profile Photo
Darrin Harvey

Financial Coach. Keynote Speaker. Business Consultant.

Darrin Harvey, aka the Money Counselor™, is a financial coach, business advisor, keynote speaker, and founder of Financial State of Minds. He helps professionals, entrepreneurs, startups, small business owners, and community organizations strengthen credit, improve cash flow, manage money with more strategy, and make smarter financial decisions in life and business.

Through coaching, speaking, workshops, podcast conversations, and community programs, Darrin makes financial education more practical, accessible, and actionable. As a member of the visually impaired community, he brings a lived perspective on resilience, accessibility, and confidence while helping people and businesses build stronger financial habits, create better systems, and move toward more stability, opportunity, growth, and building a better future you can be proud of.