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Karmic Currency: Unfiltered is the money conversation women are supposed to have. This is where banking secrets, power, grief, ambition, healing, and hard financial truths collide without shame, fluff, or...
mostra di più
Karmic Currency: Unfiltered is the money conversation women are supposed to have.
This is where banking secrets, power, grief, ambition, healing, and hard financial truths collide without shame, fluff, or spiritual bypassing.
Hosted by Sandy Fernandez, a senior banking executive with nearly 30 years inside the financial system and the founder of Karmic Currency, this podcast pulls back the curtain on what really happens behind closed doors: how money decisions are made, why smart women still feel stuck, and how unhealed patterns quietly sabotage wealth, confidence, and freedom.
This isn’t about “manifest harder.”
It’s about alignment, strategy, truth, and self-trust. Here we explore the emotional and energetic side of wealth backed by real banking insight so women can finally feel aligned, confident, and in control.
Through unfiltered conversations with industry experts to raw solo episodes, Sandy shares lived experiences from corporate banking, entrepreneurship, divorce, grief, leadership, and reinvention- breaking down money myths, calling out toxic financial advice, and teaching you how to become bankable, powerful, and financially fluent without losing your soul.
If you’re a high-achieving woman who’s doing everything “right” and yet still feeling off with money, this space is for you.
No filters.
No bs.
Just real talk and becoming the woman who knows exactly what she’s worth.
Welcome to Karmic Currency: Unfiltered.
mostra meno
This is where banking secrets, power, grief, ambition, healing, and hard financial truths collide without shame, fluff, or spiritual bypassing.
Hosted by Sandy Fernandez, a senior banking executive with nearly 30 years inside the financial system and the founder of Karmic Currency, this podcast pulls back the curtain on what really happens behind closed doors: how money decisions are made, why smart women still feel stuck, and how unhealed patterns quietly sabotage wealth, confidence, and freedom.
This isn’t about “manifest harder.”
It’s about alignment, strategy, truth, and self-trust. Here we explore the emotional and energetic side of wealth backed by real banking insight so women can finally feel aligned, confident, and in control.
Through unfiltered conversations with industry experts to raw solo episodes, Sandy shares lived experiences from corporate banking, entrepreneurship, divorce, grief, leadership, and reinvention- breaking down money myths, calling out toxic financial advice, and teaching you how to become bankable, powerful, and financially fluent without losing your soul.
If you’re a high-achieving woman who’s doing everything “right” and yet still feeling off with money, this space is for you.
No filters.
No bs.
Just real talk and becoming the woman who knows exactly what she’s worth.
Welcome to Karmic Currency: Unfiltered.
Episodi & Post
Episodi
Post
30 MAR 2026 · In this episode of Karmic Currency: Unfiltered, I sit down with Lilly Tudela, co-founder of Bon Vivant Charcuterie and Gourmet Market, for a real conversation about walking away from burnout, facing financial fear, and building something new from a place of alignment and self-trust.
Lilly shares how, after years of running multiple food franchises, she found herself emotionally and physically drained, even though everything looked successful on paper. Early in 2024, she knew something had to change. That realization led her to seek clarity, invest in herself, and confront her own money story, including the fear that had kept her hoarding money instead of trusting herself to move forward.
We talk about what it was like to sell and exit franchise businesses, the courage it took to start over with her best friend and business partner, and the reality of being told no by the bank despite strong credit, experience, and assets. Lilly opens up about how they ultimately funded Bon Vivant through personal loans and strategic use of business credit, and what she learned about timing, responsibility, and resilience along the way. This episode also explores the deeper work behind the numbers: learning to stop operating from fear, understanding the emotional side of money, and choosing accountability over comfort.
Today, Bon Vivant is open, growing, and laying the foundation for future expansion and potential franchising. This is a story about trusting yourself when the system doesn’t validate you, investing in personal growth, and building a business that finally feels as good as it looks.
30 MAR 2026 · What if the very behaviors you were taught to succeed… are the same ones keeping you stuck? In this episode, I sit down with Dr. Lois P. Frankel, bestselling author of Nice Girls Don’t Get the Corner Office and Nice Girls Don’t Get Rich, to unpack the unconscious patterns women are still carrying into their careers and financial lives — even 20 years later.
And here’s the truth: Not much has changed. We get into the real, everyday behaviors that seem harmless… but quietly cost women promotions, visibility, and money. Like:
– staying quiet in meetings so you don’t come off “too much”
– over-delivering instead of negotiating
– saying yes to everything… and then burning out
– avoiding conflict at the expense of your own growth At one point, Lois breaks down why women struggle so much with negotiation not because they don’t know how, but because they don’t want to be perceived as aggressive. And that alone?
Costs women thousands… if not millions over a lifetime.
We also talk about how the workplace has evolved… and how it hasn’t. From remote work to “quiet quitting,” Lois explains why visibility still matters, why showing up on camera isn’t optional, and why doing the bare minimum might feel like protection… but can quietly stall your career. We even go deeper into money. Lois shares why women underestimate their ability to build wealth, why they hesitate to invest, and why having money in your own name is still one of the most important financial decisions a woman can make. And one of the most powerful reminders from this conversation: Women don’t lack ability.
They lack strategy. This episode is not about being less nice. It’s about recognizing where “nice” turns into self-sabotage… and what to do instead. If you’ve ever felt overlooked, underpaid, or unsure how to ask for more…this conversation is going to hit. 🎧 Listen now.
2 MAR 2026 · In this episode of Karmic Currency: Unfiltered, I sit down with Taylor Jean Perry, Senior Cash Management Solutions Officer at Chase Bank and founder of Snaps by Jean, for a conversation that blends banking, business protection, authenticity, and personal power.
Taylor has spent over 16 years in banking, starting as a teller and working her way into business banking and cash management. She shares what her role at Chase really looks like, from helping small business owners automate payables and receivables to implementing fraud prevention tools that protect against both external threats and internal risk.
We talk openly about cash security, positive pay, debit blocks, dual control, remote cash capture, smart safes, and why so many business owners underestimate the importance of protecting their money once it’s earned. I also share a personal story about uncovering embezzlement by a business partner and why staying close to your numbers matters.
Beyond banking, Taylor opens up about her journey of authenticity. From navigating criticism in corporate spaces for being “too bold,” to embracing her tattoos, personality, and voice, she shares what it has taken to stay true to herself while building credibility and authority. We talk about mentorship, glass ceilings, and the pressure women face to tone themselves down to fit outdated standards.
Taylor also shares her work outside of banking through Snaps by Jean, where she supports medispas with marketing, content creation, and crisis management, along with her passion for fitness, faith, and empowering women in the wellness and aesthetics space.
This episode is about protecting your money, owning your presence, and understanding that professionalism and authenticity are not opposites, they can exist together.
21 FEB 2026 · In this episode of Karmic Currency: Unfiltered, I sit down with Maylin Estevez, founder of Vanity Consultants, to talk about what really happens when women start making more money and why so many unconsciously self-sabotage right before their next level.
Maylin’s career journey is powerful. She has built serious success in the aesthetics and medical industries in a short period of time, and she did it by staying disciplined, aligned, and deeply committed to her purpose. We talk openly about the emotional and energetic challenges women face as their income grows, including fear, financial blocks, and the fight-or-flight response that can kick in when things start to work.
This conversation goes far beyond sales strategies. We talk about managing life like a business, hiring support, separating emotions from decision-making, and how relationships, both romantic and family, can either support or quietly sabotage a woman’s success. Maylin shares her own experiences with limiting beliefs, navigating criticism, protecting her energy, and learning to trust herself at higher levels of responsibility.
We also explore the misunderstood balance between feminine and masculine energy in business, why alignment matters more than manifestation, and what it really takes to sustain success without burning out or shrinking yourself.
This episode is for women who are doing well but know they are capable of more, and who are ready to stop getting in their own way.
6 FEB 2026 · In this episode of Karmic Currency: Unfiltered, I sit down with one of my oldest friends, Rachel Rivera, someone I’ve known for over 30 years. We grew up together in Miami, raised by single mothers, navigating life with limited resources but a whole lot of grit, humor, and self-motivation.
Rachel’s journey is nothing short of extraordinary. From humble beginnings to earning a chemical engineering degree and building a 21-year career at NASA, she shares what it took to break through barriers as a woman of color in a male-dominated STEM field.
We talk honestly about imposter syndrome, student loans, and what it really means to believe in yourself when no one is handing you a roadmap.
This conversation weaves through real life. High school choices, financial mistakes, credit card debt, student loan repayment that lasted nearly two decades, and the lessons Rachel wishes she had learned earlier about money. We also talk about motherhood, balancing a high-pressure career, making trade-offs, and how quality time matters more than quantity.
This episode is about resilience, discipline, curiosity, and the long game. It’s about understanding that success is rarely linear and that financial confidence is built through awareness, ownership, and honest conversations.
If you’ve ever felt behind, underestimated, or unsure if you’re capable of more, this episode is for you.
29 GEN 2026 · In this episode of Karmic Currency: Unfiltered, I sit down with Cary Carbonaro, certified financial planner, author of The Money Queen’s Guide and her newest book, Women and Wealth, and one of the leading voices in women’s financial empowerment.
This conversation is deeply personal.
Cary opens up about how a difficult divorce became the catalyst for reclaiming her financial power and ultimately writing her first book. We talk about what it really means to start over financially, why women experience money so differently than men, and how the financial industry has historically failed to meet women where they are.
We also dive into the Great Wealth Transfer and why, despite women being on track to control the majority of wealth in the coming years, many still feel confused, underserved, or disconnected from their financial lives. Cary shares why traditional financial planning does not work for most women, what women actually need from advisors, and how to protect yourself in a world filled with noise, misinformation, and financial manipulation.
This episode is about truth, ownership, and finally having the conversations women were never taught to have about money.
Karmic Currency: Unfiltered is the money conversation women are supposed to have. This is where banking secrets, power, grief, ambition, healing, and hard financial truths collide without shame, fluff, or...
mostra di più
Karmic Currency: Unfiltered is the money conversation women are supposed to have.
This is where banking secrets, power, grief, ambition, healing, and hard financial truths collide without shame, fluff, or spiritual bypassing.
Hosted by Sandy Fernandez, a senior banking executive with nearly 30 years inside the financial system and the founder of Karmic Currency, this podcast pulls back the curtain on what really happens behind closed doors: how money decisions are made, why smart women still feel stuck, and how unhealed patterns quietly sabotage wealth, confidence, and freedom.
This isn’t about “manifest harder.”
It’s about alignment, strategy, truth, and self-trust. Here we explore the emotional and energetic side of wealth backed by real banking insight so women can finally feel aligned, confident, and in control.
Through unfiltered conversations with industry experts to raw solo episodes, Sandy shares lived experiences from corporate banking, entrepreneurship, divorce, grief, leadership, and reinvention- breaking down money myths, calling out toxic financial advice, and teaching you how to become bankable, powerful, and financially fluent without losing your soul.
If you’re a high-achieving woman who’s doing everything “right” and yet still feeling off with money, this space is for you.
No filters.
No bs.
Just real talk and becoming the woman who knows exactly what she’s worth.
Welcome to Karmic Currency: Unfiltered.
mostra meno
This is where banking secrets, power, grief, ambition, healing, and hard financial truths collide without shame, fluff, or spiritual bypassing.
Hosted by Sandy Fernandez, a senior banking executive with nearly 30 years inside the financial system and the founder of Karmic Currency, this podcast pulls back the curtain on what really happens behind closed doors: how money decisions are made, why smart women still feel stuck, and how unhealed patterns quietly sabotage wealth, confidence, and freedom.
This isn’t about “manifest harder.”
It’s about alignment, strategy, truth, and self-trust. Here we explore the emotional and energetic side of wealth backed by real banking insight so women can finally feel aligned, confident, and in control.
Through unfiltered conversations with industry experts to raw solo episodes, Sandy shares lived experiences from corporate banking, entrepreneurship, divorce, grief, leadership, and reinvention- breaking down money myths, calling out toxic financial advice, and teaching you how to become bankable, powerful, and financially fluent without losing your soul.
If you’re a high-achieving woman who’s doing everything “right” and yet still feeling off with money, this space is for you.
No filters.
No bs.
Just real talk and becoming the woman who knows exactly what she’s worth.
Welcome to Karmic Currency: Unfiltered.
Informazioni
| Autore | Sandy Fernandez |
| Organizzazione | Sandy Fernandez |
| Categorie | Imprenditorialità |
| Sito | - |
| sandy@karmiccurrency.com |
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