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Black History Month is more than what happened… it’s about what was BUILT. ✊🏾 Tonight on Talk It Out with DnD, we’re breaking down Black business legacy from the beginning — the risk-takers, empire builders, and wealth creators who laid the foundation when the odds were stacked sky-high. Denise Day also brings a powerful update on reparations being actively paid in Evanston, Illinois, tied to past housing discrimination — and why housing + ownership is still a major key to generational wealth today. And y’all already know… we’re keeping it REAL about: ✅ business ownership ✅ unity and collaboration ✅ homeownership strategy ✅ AND a few tax-season gems you need to hear right now. 🚨 Business Oscars Sponsor Deadline is TOMORROW — if you want visibility, promo, professional media, networking, and a powerful room… this is where you need to be. ⏱️ Timestamps 00:00 – Welcome back + why this Black History Month conversation is “rich” 01:10 – Setting the frame: ownership = survival, resistance, and power 03:10 – Madam C.J. Walker: building an ecosystem + creating jobs 06:10 – A.G. Gaston: banking, real estate, civil rights funding + “own it so they can’t take it” 10:30 – Robert Reed Church Sr.: real estate wealth strategy + early Black millionaires 12:30 – John H. Johnson: Ebony/Jet, controlling the narrative + starting with $500 15:10 – Maggie Lena Walker: first Black woman to charter a bank + Black financial infrastructure 17:10 – Denise Day: learning Black history later in life + inventions/patents that were hidden 20:20 – Black innovators: stoplight, shoes, GPS, NASA scientists + “why don’t we know their names?” 23:15 – Land theft + erased communities: Central Park, Greenwood/Black Wall Street, Lake Lanier 28:30 – Real talk on injustice: denied claims vs who gets payouts 31:05 – Reparations in Evanston, Illinois: $25,000 housing-based program + generational wealth impact 35:40 – Homeownership talk: don’t let the internet convince you renting is the goal 38:10 – Being savvy: negotiating mortgage terms + fixed rate warnings 41:10 – Trusts vs probate: why putting property in a trust matters 44:20 – Question for the audience: segregation today—could a “builder community” work? 47:00 – African Ancestry DNA + teaching kids the REAL history 50:00 – Tools/resources: Amazon store, activity books, Black history calendar, Ethiopian Bible 53:10 – Wealth mindset recap: ownership changes everything 55:00 – Business Oscars plug: why entrepreneurs, idea-stage founders, and networkers need to attend 57:00 – Quick tax-season announcements: refund timing + PATH credits 58:20 – W-4 tips: how claiming affects refunds + why changes matter 1:01:30 – 1095-A / Healthcare.gov warning: premium tax credit + why people end up owing 1:05:30 – Extensions + paying by April 15 (even with extension) 1:07:10 – IRS payment plans: penalties/interest + why owing gets expensive 1:09:00 – Side hustles + write-offs: why taxes favor business owners 1:11:00 – Travel business as write-off strategy + “2026 we going UP” 1:13:10 – Final reminders + sponsor deadline tomorrow + goodnight African Ancestry (https://africanancestry.pscrpt.io/an2...) Activity Book (https://amzn.to/4qysQa0) MrsDayAllDay (https://www.amazon.com/shop/mrsdayallday) Business Oscars Tickets (https://inbox.ubellc.net)