Talking about money doesn’t have to end in tension, guilt, or avoidance. Whether it’s your partner, your best friend, or a bridesmaid in your wedding party, honest money conversations build trust—and protect your peace.

In this episode, Taryn “T-Money$” Ferrer shares practical ways to start transparent financial conversations, even when it feels uncomfortable. You’ll learn how to bring up money differences without judgment, set healthy boundaries with friends, and turn money talks into deeper connection instead of conflict.

Tune in to hear:

• Why money conversations feel uncomfortable for so many people
• How to start the conversation with curiosity instead of criticism
• The power of honesty in friendships — including Taryn’s story about a bridesmaid who modeled transparency perfectly
• How money dates and open communication build teamwork and trust
  
  
  

Book Your Wealth Alignment Assessment: https://calendly.com/heytmoneyhoney/financial-consultation

Episode 5 Are You Having Money Dates with Yourself or Your Partner? Here’s Why You Should


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Everyone talks about overspending—but what about the women who do the opposite? The ones who save every dollar, feel guilty buying anything for themselves, and still don’t feel safe with money?

In this episode, Taryn “T-Money$” Ferrer explores what happens when saving turns into hoarding. You’ll learn how fear-based saving keeps you stuck in survival mode, why you may still feel unsafe even with money in the bank, and how to build habits that let you both save and spend in alignment with your values.

Taryn also shares two powerful client stories—Yoshi and Teryn—who went from anxious saving to intentional, guilt-free spending that supported both their goals and their joy.

Tune in to hear:

• The difference between healthy saving and money hoarding
• Why fear of spending is rooted in control, safety, and past experiences
• Real-life transformations from clients who learned to spend without guilt
• Actionable steps to balance saving and spending with confidence
  
  

Book Your Wealth Alignment Assessment: https://calendly.com/heytmoneyhoney/financial-consultation

Related episodes:
Episode 5 Are You Having Money Dates with Yourself or Your Partner? Here’s Why You Should

Episode 16 From Financial Overwhelm to Money Confidence: Yoshi’s One Year Transformation

Episode 23 Breakthrough Your Money Blocks: When Affirmations Actually Work


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👩🏽‍💻Learn more about our financial coaching services or how we can collaborate: https://manifestmoneyhoney.com

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You’ve probably heard of financial advisors and planners—but what about financial coaches? And how do you know which one you actually need?

In this episode, Taryn “T-Money$” Ferrer breaks down the real differences between a financial coach, a financial planner, and a financial advisor—including when to hire each one and what kind of money milestones or assets make it worth it. You’ll also learn why so many people feel disappointed when they hire a planner or advisor expecting their money habits to magically improve (hint: that’s the coach’s lane).

Tune in to hear:

• What each role actually does—and what they don’t do
• When to hire a financial coach, planner, or advisor (and how much in assets is typically needed)
• Why your first step may not be investing—but healing your habits
• How all three can work together to help you build lasting wealth
  
  

Book Your Wealth Alignment Assessment: https://calendly.com/heytmoneyhoney/financial-consultation

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👩🏽‍💻Learn more about our financial coaching services or how we can collaborate: https://manifestmoneyhoney.com

If you enjoyed this episode, please take a screenshot of this episode and share it on your stories. Don’t forget to tag me!

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What happens when you’re thriving on the outside—but still carrying stress, guilt, and confusion around money on the inside? That was Morgan’s reality.

In this case study episode, Taryn “T-Money$” Ferrer takes you behind the scenes of Morgan’s transformation: from impulse spending and financial guilt to building systems that allowed her to furnish her new home intentionally, enjoy her passion for fashion without shame, and finally feel balanced with money.

Tune in to hear:

• Why high achievers often feel money guilt even when they’re making good income.
• How to create a step-by-step plan for big expenses like furnishing a new home.
• Ways to reframe passions—like shopping or fashion—as part of your budget, not a source of guilt.
• The systems Morgan used to shift from stress and shame into financial confidence.
  
  

Book Your Wealth Alignment Assessment: https://calendly.com/heytmoneyhoney/financial-consultation

Related Episode:
Episode 26: From Survival Mode to Wealth Mode: How to Break the Cycle and Build Abundance


📱 Say hi on Instagram and share your favorite episode to your stories. Be sure to tag @heytmoneyhoney

👩🏽‍💻Learn more about our financial coaching services or how we can collaborate: https://manifestmoneyhoney.com

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Do you ever feel guilty every time you grab takeout or say yes to brunch? You’re not alone. Many high-achieving women feel like they’re “bad with money” if they eat out regularly—but the truth is, you can enjoy eating out without sabotaging your budget or your wealth goals.

In this episode, Taryn “T-Money$” Ferrer shares the fun game she teaches her clients to remove the guilt around eating out while staying consistent with their financial plan. Whether you want to enjoy family dinners, support local restaurants, or just make room for the nights you don’t feel like cooking, this system helps you stay on track and live your life.

Tune in to hear:

• Why guilt around food spending is so common for high achievers.
• How to play the “eating out game” to plan ahead and feel empowered, not guilty.
• Client stories of families saving $600/month for vacations and supporting local restaurants—all while enjoying guilt-free meals out.
• How intentional choices with food spending build financial confidence and consistency.

Book Your Wealth Alignment Assessment: https://calendly.com/heytmoneyhoney/financial-consultation


📱 Say hi on Instagram and share your favorite episode to your stories. Be sure to tag @heytmoneyhoney

👩🏽‍💻Learn more about our financial coaching services or how we can collaborate: https://manifestmoneyhoney.com

If you enjoyed this episode, please take a screenshot of this episode and share it on your stories. Don’t forget to tag me!

😍 Loving the show? Hit subscribe/follow so you don’t miss out on more financial tips.

Do you find yourself saying “yes” with money when you really want to say “no”? Whether it’s lending to friends, covering the tab, or donating when your savings are low—lack of financial boundaries can quietly drain your wealth and peace of mind. In this episode, Taryn “T-Money$” Ferrer shares how to set financial boundaries without guilt, so you can protect your goals and still give from a place of strength.

Tune in to hear:

• Why financial boundaries are essential for building wealth and protecting your peace.
• The hidden costs of being “the generous one” without limits—and how it can sabotage your goals.
• Real stories of creating boundaries, including a client who saved $5,000 in 3 months while still helping friends.
• Taryn’s personal journey from over-giving to building a peace-of-mind fund and giving more intentionally..

Book Your Wealth Alignment Assessment: https://calendly.com/heytmoneyhoney/financial-consultation

Episode 26: From Survival Mode to Wealth Mode: How to Break the Cycle and Build Abundance

📱 Say hi on Instagram and share your favorite episode to your stories. Be sure to tag @heytmoneyhoney

👩🏽‍💻Learn more about our financial coaching services or how we can collaborate: https://manifestmoneyhoney.com

If you enjoyed this episode, please take a screenshot of this episode and share it on your stories. Don’t forget to tag me!

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Have you ever felt like no matter how much money you make, you’re still one wrong move away from it all collapsing? That’s survival mode—and it’s exhausting. In this episode, Taryn T-Money$ Ferrer unpacks how survival mode shows up in your finances, why it’s not just about money systems, and how to shift into wealth mode where your money feels safe, supportive, and abundant.

Tune in to hear:

• The real signs of financial survival mode (and how they sneak up even on high earners).
• Why fear—not spreadsheets—is often the hidden block keeping you stuck.
• How Taryn moved from fear-based decisions after a $100,000 loss into a bold, aligned wealth mindset.
• Client stories of breaking subconscious money patterns and steadily building wealth with confidence.

Book Your Wealth Alignment Assessment: https://calendly.com/heytmoneyhoney/financial-consultation

Related Episodes:
Episode 5: Are You Having Money Dates with Yourself or Your Partner? Here’s Why You Should

Episode 11: How to Break Free from the Feast-or-Famine Money Cycle

📱 Say hi on Instagram and share your favorite episode to your stories. Be sure to tag @heytmoneyhoney

👩🏽‍💻Learn more about our financial coaching services or how we can collaborate: https://manifestmoneyhoney.com

If you enjoyed this episode, please take a screenshot of this episode and share it on your stories. Don’t forget to tag me!

😍 Loving the show? Hit subscribe/follow so you don’t miss out on more financial tips.

What does it take to turn a dream into reality—and build a thriving business that serves your community? In this episode of Financial Confidence for High Achieving Women, I chat with Ashley Reed, owner of Body Art Noire in Inglewood, California. Ashley shares her inspiring journey from navigating layoffs and personal financial challenges to opening a yoga studio designed to make wellness accessible for everyone.

Whether you’re dreaming of starting your own business, looking for financial inspiration, or just want to hear a real story of patience, perseverance, and community, this episode is packed with practical takeaways and heartfelt wisdom.

We dive into:

• How Ashley’s experience with being laid off from her job led her to discover yoga and her passion for wellness.
  
  
  
• The personal finance lessons that made her entrepreneurial journey possible, including paying off debt and crowdfunding her dream.
  
  
  
• The power of community and social capital—how asking for help and saying yes to support turned her vision into a reality.
  
  
  
• The ups and downs of opening a brick-and-mortar business, from renovations to working with vendors (and sweating through it all!).
  
  
  
• Balancing a 9-to-5 job while building a business and why stability can actually accelerate your dreams.
  
  
  
• Ashley and Taryn’s exciting Mindful Money & Movement series, combining financial wellness with chakra-focused yoga flows.
  
  
  

Resources for this episode

• Mindful Money and Movement Series @ Body Art Noire:

- Sept 14, 2pm: Money Systems to Build Wealth (Solar Plexus Vinyasa)

- Nov 9, 2pm: Holiday Shopping Plan (Heart Chakra Vinyasa)

Get your tickets here: https://www.bodyartnoire.com/class-schedule

• Book: Brass Knuckle Finance by Jarim Person
• Crowdfunding Platform: iFundWomen

Memorable Quotes

- “You can get out of [debt] and go back into it. Sometimes you just need to go through things a couple of times to be like, that’s enough.” — Ashley Reed

- “When women have money and when women are confident with their ability to manage...we automatically do a greater good.” — Taryn

- “It is a journey. I started this back in 2010, and here I am at 2025, still using a lot of the same basic financial principles” — Ashley Reed

Connect with Ashley Reed & Body Art Noire

Instagram/TikTok/Facebook: @bodyartnoire

Website: https://bodyartnoire.com

Visit Body Art Noire in Inglewood, CA for yoga, meditation, and wellness experiences.