This episode of Growth and Grace discusses the importance of financial planning and managing credit, featuring guest Frank Ruvalcaba from Operation Hope. Frank emphasizes the need to plan for expenses throughout the year, especially during the holiday season, to avoid financial strain. He highlights Operation Hope's free financial literacy programs, which include credit management, debt reduction, and budgeting. Frank shares a success story of a client who reduced $15,000 in debt by managing expenses. He recommends having an emergency fund equivalent to six months of expenses. Contact information for Operation Hope: 404-994-9011 and [frank.ruvalcaba@operationhope.org].

The discussion on "Growth and Grace" focused on personal reflections and aspirations for the new year. Leaha Crawford and Julian Rosado shared their thoughts on the importance of planning for the year ahead, emphasizing the need to focus on what's important and enjoy small moments. They discussed the impact of a past guest, Marcus Allen, on their outlook and the significance of gratitude and grace. The conversation also touched on personal growth, mental health, and the benefits of physical activities like hot yoga and the Daniel fast. Leaha highlighted her work with a cohort helping older adults obtain their CPA licenses, and the importance of resilience and self-improvement.

The discussion on "Growth and Grace" covered various topics, including holiday greetings, Super Bowl predictions, and a business line of credit offered by Western Alliance Bank. The line of credit, up to $100,000, has a five-year term with an interest rate of Wall Street Journal prime plus 1.95%. Requirements include a two-year business operation history and a business deposit relationship with the bank. The panelists emphasized the importance of maintaining updated entity documents, having financials in order, and planning for 2026. They also highlighted the benefits of having a personal relationship with a banker for better business support.

The discussion on "Growth and Grace" focused on skincare and haircare tips. Kim, with 32 years in the hair industry, emphasized the importance of a healthy scalp and proper product use, recommending shampoo for the scalp and conditioner for the hair. Shawann, a master esthetician, highlighted the need for regular exfoliation and proper sunscreen application, noting that darker skin also needs protection. They advised using cool mist humidifiers and hair steamers to maintain moisture. Both stressed the importance of internal health, including hydration and a balanced diet, for optimal skin and hair condition. Contact information for their services at Fiber Salon in Henderson was provided.

Marcus Allen discussed his journey from growing up in West Las Vegas to becoming a successful entrepreneur and community leader. He emphasized the importance of fasting, particularly the 21-day Daniel fast, which he has practiced for over 30 years. Marcus shared how fasting has led to significant blessings, including acquiring valuable properties. He also highlighted the significance of planning for the future, including securing life insurance and understanding the Nevada Revised Statutes (NRS). Marcus stressed the importance of living in the present and preparing for death, advocating for a proactive approach to life and business.

The program discussed the 27th Annual Student Leadership Conference, organized by Alpha Kappa Alpha Sorority and Omega Psi Phi, held on December 13 at UNLV. The event aims to educate youth on financial literacy, continuing education, and entrepreneurship. It includes sessions on topics like FAFSA, mental wellness, and HBCU campus life. The block party features vendors, raffles, and dance contests, with winners receiving $250. The conference has seen a 20% yearly growth in attendance. Scholarships totaling $5,000 are awarded, with additional scholarships of $37,000-$52,000 at a June luncheon. The event also includes parent workshops.

The discussion on "Growth and Grace" featured Sally Allen, author of the mindset framework, who shared her journey from an abusive arranged marriage in Guyana to building self-esteem and resilience. Sally emphasized the importance of mindset, self-confidence, and overcoming victim thoughts through daily micro-steps. She highlighted the significance of pausing to avoid emotional hijacks and the impact of self-talk on one's reality. Sally also announced her upcoming mindset conference on January 16, 2026, aimed at empowering leaders and teams. The hosts and Sally also touched on personal anecdotes and the importance of effective communication.

Tracy Duran from Idea 8 Collaborative discussed her consulting firm's work with nonprofits, small businesses, and educational institutions to enhance human capacity and build high-performing teams. She emphasized the importance of productive conflict, which involves engaging in difficult conversations to foster innovation and change. Duran highlighted the need for self-awareness and effective communication in leadership, using tools like the DISC assessment to understand workplace behaviors. She also addressed the challenges of dealing with toxic environments, often starting at the leadership level, and the importance of coaching and self-awareness in creating a healthy organizational culture.