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Title: Capital 4 the Culture: Crowdfunding Essentials for  Entrepreneurs

🎙️ Episode Title: Capital for the Culture: Crowdfunding Essentials for Black Entrepreneurs

💡 In this season finale of Money Sex Gen X, Eric and Big Stew break down one of the most overlooked tools in entrepreneurship: crowdfunding. From real-world stats to church collection plates, they unpack how Black business owners can raise capital without draining their own bank accounts.

You’ll learn:

• What crowdfunding really is—and why you’ve probably already done it
• The 4 main types of campaigns (reward, donation, debt, equity)
• Why video matters (105% better funding!)
• Pros and cons of launching your own campaign
• Which platforms to consider—including Kickstarter, iFundWomen, Fund Black Founders, and more
• Personal insights as both hosts commit to launching their own campaigns

💥 Whether you're funding a product, a platform, or a purpose, this episode gives you the mindset and tactics to use other people’s money to build your dream. Let’s fund the culture—together.

📍 This episode marks the close of Season 7. We’re now streamed in 63 countries and 543 cities—thank you for rocking with us!

#Crowdfunding #BlackEntrepreneurs #GenXMoney #MoneySexGenX #OPM #SeasonFinale #Kickstarter #FundBlackFounders

I. INTRO

Partner in podcasting, my brotha from

Anotha, AI mogul in the making (check out plannit AI) the Rashaeed Wallace of podcast knowledge -BIG STEW!

II. What is  crowdfunding?

Crowdfunding is the raising of small amounts of capital from a large number of individuals to finance a new business venture.

It is also used to finance things such as funerals, non profit programming, tuition, etc. (church donations on Sunday are form of crowd funding)

Stew have you ever crowd funded?

III. Actual Factuals:

The average success rate of any Crowdfunding campaign is 22.4%. If a crowdfunding campaign includes a video, it is more likely to earn 105% of funding than those without a video. If a campaign raises 30% of its goal within the first week, it is more like to gain funding as expected.

https://www.enterpriseappstoday.com/stats/crowdfunding-statistics.html#:~:text=The%20average%20success%20rate%20of,to%20gain%20funding%20as%20expected.

Crowdfunding Statistics: Overview. $17.2 billion is generated yearly through crowdfunding in North America. Funds raised through crowdfunding grew 33.7% last year. There were 6,455,080 worldwide crowdfunding campaigns last year.

https://www.fundera.com/resources/crowdfunding-statistics#:~:text=Crowdfunding%20Statistics%3A%20Overview,worldwide%20crowdfunding%20campaigns%20last%20year.

IV. 3 types of crowdfunding:

Reward based, donation based and debt based, equity based

https://www.thebalancemoney.com/a-guide-what-is-crowdfunding-985100

V. Pros and Cons

https://www.hubspot.com/startups/crowdfunding-pros-and-cons#:~:text=For%20startups%2C%20crowdfunding%20offers%20many,connections%20with%20your%20target%20audience.

V. Sites for people of color / women

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This episode delves into the concept of dating up.

Black Men-What’s holding you back from dating up?

I. Intro-My Dad said men don’t want to date up because they are biologically engineered to be the provider.

II. What is dating up?

The act or practice of a person dating or marrying a spouse of higher status than themselves.  This includes attractiveness level, education, financial, career, and spirituality. It could also include dating specific races or ethnicities. 

III. Observations

Do you feel most Black men you know date up or down? What about other cultures?

IV. Strategies To Date Up

Figure out what level you are on: attractiveness level, education, financially, career wise, spiritually (what’s your baseline?)

V. Downside of dating Up

Person your dating family may look down on you.
This could breed competition.
This could breed insecurity.

VI. Conclusion

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A man who has had a vasectomy still makes semen and is able to ejaculate. But the semen doesn't contain sperm. The testosterone level and all other male sex traits stays the same. For most men, the ability to have an erection is unchanged.

How common are vasectomies? About 50 million men have had a vasectomy — approximately 5% of all married men of reproductive age. More than 500,000 men elect to have vasectomies every year in the U.S.

Vasectomy is a form of male birth control that cuts the supply of sperm to your semen. It's done by cutting and sealing the tubes that carry sperm. Vasectomy has a low risk of problems and can usually be performed in an outpatient setting under local anesthesia.

Overall, vasectomies are very safe, and most people don’t have any problems. But all medical procedures have some possible risks. The most common risk with a vasectomy is infection, but those are usually minor and treatable with antibiotics. You may also have some pain, bleeding, bruising, or swelling after the procedure. Read more about vasectomy safety.

• While some health insurance plans may cover a vasectomy, the procedure is not considered an essential health benefit under the Affordable Care Act.
• A vasectomy typically costs about $1,000 out of pocket but may be a better bargain than other forms of birth control for you or your partner.

If you like thought provoking conversations about Money, Sex from Generation X subscribe to our YOUTUBE channel-just type in MONEY SEX GEN X. We are currently streaming iin 48 countries and 403 cities globally, you can find us on Apple Music, Spotify and all the major streaming platforms. If you are streaming on Apple Podcasts, go in right now and leave us a review–we’d love that!

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• Chicago
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• Wilmette, IL
• Columbus, OH
• Charlotte, NC
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• San Diego, CA 
• Atlanta, GA 
• Clichy, lle-deFrance

 If you would like to be a guest on an upcoming episode send us an email to: emcloyd@moneysexgenxpodcast.com

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If you like thought provoking conversations about Money, Sex from Generation X subscribe to our YOUTUBE channel-just type in MONEY SEX GEN X. We are currently streaming iin 48 countries and 403 cities globally, you can find us on Apple Music, Spotify and all the major streaming platforms. If you are streaming on Apple Podcasts, go in right now and leave us a review–we’d love that!

With so much happening in the media lately with Kyrie Irving and Kanye West and others we thought it was important to do an episode about the media. Specifically literacy, my wife gave me this idea and I started thinking about how powerful of a topic this could be.

The purpose of this episode is to really get into Kyrie or Kanye per se but to focus on the outlets that have made us know them in the first place. How and why are we even aware of them?

To find out if we are media literate or not? Are our children media literate? And who cares right? If we are not media literate does it matter since we spend so much time consuming media?

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#Ye #Kanye #Kyrie #Media #KyrieIrving #MediaLiteracy #BigStew #EMoney #EricMcloyd #ScottSteward #MSG #Money #Sex #GenX #MoneySexGenx 

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Are we currently in a recession? Are you thriving or just surviving?

A recession can be defined as a sustained period of weak or negative growth in real GDP (output) that is accompanied by a significant rise in the unemployment rate.

Gross domestic product is a monetary measure of the market value of all the final goods and services produced and sold in a specific time period by countries. Due to its complex and subjective nature this measure is often revised before being considered a reliable indicator.

During a recession, unemployment rates go up because companies start cutting their workforce in order to handle the challenges of decreased spending from consumers. The employment market turns bleak — there's less hiring, more layoffs and fewer financial incentives offered to current employees, like bonuses and raises.

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What is Financial Imposter Syndrome?

-What are Money Blocks?

-Where does Financial Imposter Come From?

-How does it show up in Black people?

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Do you deal with colorism?

** Discrimination based on skin or hair color, also known as colorism, or shadeism, is a form of prejudice and/or discrimination in which people who share similar ethnic traits or perceived race are treated differently based on the social implications that come with the cultural meanings that are attached to skin color.

** European imperialists are often blamed for bringing the "lighter skin is righter" mentality to indigenes of colonized lands in Africa and Asia. Critics of this mental colonization don't always acknowledge in the same breath that many North African and Asian cultures had placed a premium on light skin PRIOR to European exposure. Indian folk songs praised the beautiful woman who has "the color of butter" (Indian butter is white, not yellow). Pre-colonial Indonesian women used plant-based skin treatments to make their complexion pale.
“Color Struck” is an old saying among African-Americans that refers to individuals who believe that a lighter complexion and European features represent the epitome of beauty and desirability. Past research indicates that marriage is less common among darker skin women (Bodenhorn 2006). In particular, Hamilton et al. (2009), in a study of 329 young black women found that light skin tone was associated with approximately a 15 % greater probability of marriage.

Researchers have examined colorism—or the preference for lighter skin over darker skin—primarily as it pertained to women, but little research existed regarding men.
Skin color is one device for assigning people to a racial category. Race is the social meaning attributed to that category. It is a set of beliefs or assumptions about individuals falling within a particular racial group.

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In this episode, we sit with ordained Pastor, @StephanJThurston of New Covenant on Chicago's southside.

This progressive Church leader talks about:
- Church and leadership
- Passing the torch
- The LGBTQ+ community
- Social media

We even ask:
1-What does the Church offer that is not found in other forms of spirituality?

2-Is Church providing solutions appropriate to what we are experiencing in society?

3-Have you studied other faiths?

4-What problems does Church solve?

5-How far away are we from how worship/church was approached in ancient Africa?

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In this episode of Money Sex Gen X, Eric and Big Stew shine a spotlight on the nonprofit sector—breaking down how mission-driven organizations can raise serious money without losing their soul. From community churches to grassroots orgs, they explore the real deal behind nonprofit funding, donor engagement, and moving from scarcity to sustainability.

You’ll learn:

• Why many nonprofits stay broke—and how to shift that mindset
• The difference between fundraising and development
• How to use storytelling, events, and relationships to grow your donor base
• The biggest mistake small nonprofits make with grant writing
• Why you must treat your nonprofit like a business (because it is!)

💥 Whether you're running a neighborhood youth program or dreaming of building a school, this episode offers real talk and practical gems to help you lead with impact and financial confidence.

📍 Tap in and share with your favorite nonprofit leader—because doing good shouldn’t mean going broke.

#NonprofitLeadership #MissionDrivenMoney #MoneySexGenX #BlackLedNonprofits #SocialImpact #FundraisingTips #GenXVoices

DO NOT-FOR-PROFIT ORGANIZATIONS STILL MAKE SENSE FOR BLACK PEOPLE?

We wanted to discuss this today because not for profits—organizations weren’t geared toward profit but trying to improve life for a certain group of people and they provided the framework for Eric McLoyd (E-Money) to start helping people launch for-profit organizations.  

Some of the questions we will ask during this conversation are:

1. What really goes into starting a non-profit?
2. Should black people be doing not for profits? In regards to wealth (foundation for a tax write-off?)
3. Are non-profits important for our culture?
4. What are some of not so pleasant experiences you’ve had in non-profits?
5. What are some wins you have had in the not-for-profit space?

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In this episode, we dig into the conversation around being actively engaged in politics.

We explore the following with our amazing guests, Alani Brown and Maze Jackson

1. WHAT IS THE DEFINITION OF POLITICS? 
2. WHAT ARE EXAMPLES OF POLITICS? (KNOWING AND COMMUNICATING WITH YOUR LEGISLATORS, ATTEND TOWN HALL MEETINGS, ATTEND CITY COUNCIL MEETINGS, PARTICIPATE ON THE  LOCAL SCHOOL BOARD, MOBILIZE PEOPLE TO SUPPORT A CAUSE, VOLUNTEER, ATTEND RALLIES, RUN FOR POLITICAL OFFICE
3. DOES THE TALKING HEAD STUFF ON TELEVISION HELP AT ALL? (SUPPOSE THAT’S A FORM OF BEING POLITICAL)
4. WHAT’S AT RISK BY NOT GOING INTO POLITICS? OR ARE WE ALL INVOLVED SOMEHOW IN THE POLITICAL PROCESS?
5. WHO IS MOST LIKELY TO ENGAGE IN THE POLITICAL PROCESS (THOSE WHO FEEL THREATENED, WANT TO CHANGE POLICY IN A POSITION THEY FAVOR?)

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