Habit, Not Hobby
Habit, Not Hobby is financial literacy for people who already started. If money comes in, you have a business — the question is whether it's running on structure or memory. Hosted by Marcus Rowe and Renée Alston, the show helps small-business owners, side hustlers, gig workers, and independent earners build practical habits around money, credit, budgeting, business structure, bookkeeping, and taxes. No jargon. No hype. Just one topic, one practical move, and one small habit at a time.
Episodes
Episode 7: Bookkeeping Without Becoming an Accountant
Bookkeeping has a reputation it doesn't deserve. Marcus and Renée draw a clean line between bookkeeping (recording what happened) and accounting (interpreting it), then break the whole thing down to four things that actually matter — every deposit, every expense with a one-line note, mileage, and major equipment purchases — and what's safe to skip entirely (granular c...
Episode 6: Should You Form an LLC
An LLC isn't a shortcut past everything this season has built — it's a legal layer on top of it. Marcus and Renée break down exactly what an LLC does (a liability shield protecting personal assets) and what it doesn't do (it won't build business credit or change your taxes by default), then walk through the real signals for whether now's the right time.
Carlos, a rideshare and delivery driver, ...
Episode 5: Understanding the 3 C's
Four episodes of foundation work — your business, your money, your credit, your budget — all point to this: Credit, Collateral, and Capacity, the three things every lender is actually grading you on. Marcus and Renée break down each one in plain terms and show how most of the work is already done by the time you get here.
Reggie, a mobile mechanic, assumed he needed collateral he didn't ...
Episode 4: Budgeting Without Dread
Four episodes in — you have a business, your money's separated, and you understand your credit. Today closes out the foundation phase with the word most people actively dread: budget. Marcus and Renée break down why standard budgeting advice fails side hustlers (it's built for a steady paycheck, not real income swings) and introduce the "pay yourself an average" method — calculating a r...
Episode 3: Understanding Your Credit
Two episodes in, you already have a business and your money's separated. Now the word that makes almost everyone tense up: credit. Marcus and Renée bust the biggest myth first — no credit history and bad credit are two completely different situations, and most people who think they're stuck have actually never even tried.
The episode breaks down the five factors that actually make up a credi...
Mixing personal and business money is the most expensive free mistake in side hustling. Here's the fix, and what it actually costs to ignore it.
Episode 2: Separating Your Money Before It Separates You
Last episode you found out you already have a business. This episode is about the one habit that decides whether it survives — separating your personal money from your business money before life forces the separation for you.
Marc...
Episode 1: You Already Have a Business
If you're driving rideshare on weekends, braiding hair out of your kitchen, DJing parties, or reselling on the side — you're not "doing a little something extra." You're running a business. This episode is about what changes the moment you actually believe that.
Marcus and Renée open the season with two real stories: Malik, a mobile DJ four years into steady bookings who can't tell you if ...
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