"What Every Woman Wished They Knew About Money In Their 20’s"

And how traditional money advice has kept you stuck in a money rut... 

Hello sisters, 

If you get anything from this letter today, I hope you take this to heart. It’s not your fault that saving money makes you feel guilty, overwhelmed, frustrated, and confused. 

We’re constantly bombarded with horrible (and quite frankly dangerous) money advice. 

Much like me, the women I coach have been told the same money lies.

The experts have told us: 

“Go on a rice and beans diet and you can pay off $45,000 of student loan debt in 6-months!”

“Take shorter showers to save money on your water bill!”

“Stay warm without heat. Use a blanket.”

“Don’t leave toilet paper in the bathroom. Instead, give each family member one roll a month. Ration your toilet paper.”

“You will be rich if you give up your expensive coffee habit! If you save $2.50 a day by making coffee at home, you’ll save $75 a month which equals around $900 a year. That is $9,000 you could save in 10 years! 

Our parents, our friends and blog posts, all tell us to “keep a budget,” “use coupons,” and “cut expenses!”

Don’t get me wrong, you need to have a plan for your money. You have to be aware of your expenses. 

But the truth is, saving $2.50 a day from your morning cup of joe or making your own toilet paper won’t radically transform your financial destiny. 

If you want to be debt free, stop living paycheck to paycheck or become wealthy, you have to do more than count pennies. 

I can show you how to transform your financial destiny without depriving yourself, but first I’d love to share my Money Story with you

In my 20’s I wish I would have understood that our willpower is limited.

Now, I am no stranger to being frugal. 

When I was growing up in Colombia I lived in a home that was being built from the ground up. 

We washed our clothes by hand, because a washing machine was a luxury. We even lived without electricity for a period of time. 

When I moved to the United States at eight years old, we continued to live on a shoestring budget. I lived in a two bedroom one bathroom apartment with my brother and parents. 

When I was 13 I decided I could no longer share a room with my younger brother, so I moved into the windowless furnace closet. 

It was tiny, but it was mine.

In many ways I had a beautiful childhood. 

I saw the world.

I learned how to save.

I learned how to be fiercely independent.

I learned how persevere.

But I also learned that money wasn’t something to talk about.

I learned not to ask for help.

I learned to save $0.50 like I would never see another cent again.

I learned to fear money.

At some point, the pressure of this scarcity mentality got the best of me. At some point I had completely depleted my willpower. 

One day I woke up and realized my husband and I were $65,000 in debt. We had student loans, maxed out credit cards and a car loan. 

We had purchased a home in Arizona at $175,000. Two years later when the recession hit, the value of our home dropped 50%. The worst part was that it wasn’t selling! 

For a year and half, we paid the $1200 mortgage on our Arizona home. We also were paying rent for our new home. We had been relocated for work. And we had a baby on the way.

All I could think was HOW DID WE GET HERE!?

At 32, we had a measly retirement fund we hardly contributed to. We had a very small college fund for our kids. And our debt was starting to make it hard for us to dream. I felt completely out of control.

I took that anxiety and pressure and started studying the psychology of money. I read every money book I could get my hands on. 

My husband is in the Air Force. Needless to say we have moved a lot. 

One day while in the passenger seat of yet another road trip for yet another move I had an epiphany...

Constantly over-analyzing tiny purchases is exhausting and it isn’t sustainable.

I knew then that if we kept using money the way we had our bank account would never change. We would never get out of debt. We would never feel comfortable. We would always feel stuck, stressed and like we didn’t have enough.

Later after becoming a Financial Counselor, I understood that treating money this way is similar to deprivation diets. 

Having grit, counting every calorie doesn’t work when you are trying to lose weight. You may drop a few pounds initially, but once those old triggers arise, once you miss a deadline, or you get in a fight with your husband, you go right back to the box of peanut butter cookies and you won’t just eat one. 

The numbers on the scale climb and you will be right back where you started. 

What our parents and financial gurus didn’t teach us is that managing money and building wealth isn’t just about numbers, math and self-control. 

Mastering Money isn’t just a practical skill it is an emotional journey. 

Your relationship with money is defined by your “Money Story.” 

Your Money Story started the first time you got an allowance, the first time you heard your parents say, “we just can’t afford it,” and when you watched your mother work two jobs to pay for your dance classes. These big, small or seemingly insignificant moments have had a big impact on how you earn, spend, give, borrow, receive, save and invest. 

When I stopped saving and spending money in fear, when I healed my personal Money Story my life radically changed. 

My husband and I paid off all $65,000 of our debt. We rebuilt our emergency account. 

We now have a true emergency savings that we don’t use unless it is truly an emergency. We have enough money saved that if we both were out of work we would be secure. 

We have significantly grown the college fund for our two sons. We are saving 30% of our income towards retirement. We even took the boys on a dream vacation to Spain and didn't feel one bit guilty about it. What's more we can take those fun vacations we always dreamed of year after year.

My emotional money journey was long and sometimes lonely. 

My husband and I held each other accountable. But I know, during the really stressful days, we both could have really benefited from some outside accountability. 

I truly believe with sisterhood, I could have braved my financial journey with more peace and ease. I could have paid off our debt quicker.

I know this to be true because I have personally witnessed how sisterhood and accountability have impacted my clients.

As a Money Coach and AFC® (Accredited Financial Counselor) I join women on their journey so they aren’t alone. When women come to me for support they are lost and overwhelmed. Many of them feel a deep sense of guilt and regret for not addressing their financial well-being in their 20’s.

I am here to tell you, It’s not too late for you.

For the last few years, I have been helping women understand and change their Money Story. Today, I want to help you too. I want offer you the sisterhood and accountability I wish I would have had… 

I want to invite you to join my Fearless Money Sisterhood Membership Program.

What is the Fearless Money Sisterhood Membership Program?

It is a program that provides you the community, financial tools, guidance and accountability you need to plan a brighter tomorrow. This program will help you get to the root of your money issues, so you can stop worrying about money and start living.

Being A Member Has It Advantages!

Here are some important benefits you'll get in the membership:

  • Become part of a sisterhood, a group of women like you, who are trying to make a better life for themselves and their family. The sisters you will find in this program will give you a safe place to get real about money. You can have the real talks you can’t find in many places these days. As part of this sisterhood, I also will help guide you and hold you accountable as you take your first steps to becoming financially free. It’s not all doom and gloom either. There is a lot of laughter. Each month our sisterhood meets on a Hot Seat Call. On the Hot Seat Call a few people will have the opportunity to address a specific financial concern or question and receive personal support. (Being honest about the elephant in the room is the only way to make peace with it.)

  • Learn how to talk to your spouse about money and how to create money practices that work for both of you. Each month on a LIVE 60-minute group coaching call we will discuss different money topics. We will talk about how to create a stress-free budget, how to increase your income and so much more. For my independent ladies, my single gals out there looking to be the next self-made millionaire like Carolyn Rafaelian, we will have specific coaching calls to address your Money Story too. (Can’t make it? Don’t worry we record each call.)

  • Stay motivated as you shift your money beliefs. In the membership site you will have access to highly-practical videos that will teach you how to spend in line with your values, get out of debt and become financially fearless. (Most tools in the membership are in audio or video form so that you can listen and learn while you’re on the go.)

  • Change your money story. There are also step-by-step exercises and worksheets that address both the emotional and practical aspects of your financial life. These activities will help you figure out your personal perceptions about money and how to change them for the better. 

  • It’s time to make sure you always have sufficient money in the bank. I have included refreshingly simple money tools to help you feel financially secure everyday and when the unexpected happens. You will have access to custom money plans and a personal expense tracker to help you expand your financial literacy, awareness and money savvy. (Don’t worry these are all given in small bite-size to-dos so you never feel deprived or overwhelmed.)

  • Never feel alone with weekly accountability. You will be invited to a ‘Sisterhood-only’ Facebook Group for additional support and weekly Q & A office hours with me.

  • Stop aimlessly searching Google for money advice. Looking for a truly free checking account? Want a money plan for your business? I will share all my favorite financial resources, products and tools with you.

Don’t wait to until you’re 65 to take the trip of your dreams. I’ll teach you how to create a plan to live your dreams today.


Special members-only discounts, like an automatic 20% off select coaching, workshops or courses.

Surprises from me, like expert guests on group coaching calls and behind-the-scenes insight of the making and production of my podcast, Her Money Matters

Looking for one-on-one support with a fearless money sister? Sign up for an accountability partner. (You don’t have to deal with the money shame alone.) 

The cherry on top...

Instant gratification!


What will it cost you if you don’t change your Money Story?

Feel like you have tried it all and still aren’t seeing your bank account grow?

Our Fearless Money Sisters felt that way too.

But In 6-months our current sisters have...

  • Paid off $20,000 of debt.
  • Saved $5,000 towards their dream vacation. 
  • Created a budget that feels in line with their values.
  • Learned to let go of the limiting money beliefs that are holding them back.

Our program has not only taught these women how to change their Money Story and to save money, but it has also helped them take action.

“Knowledge isn’t power unless it’s applied." Dale Carnegie

This membership is life-changing...

But don’t take my word for it.

Instead, check out what the sisters are saying...

"I am pretty new to budgeting (and learning to stick to it) and have a lot of student loans I am finally paying, which has been hard. FMS has been a great resource for learning how to better manage my money and priorities, identify underlying ideas that shape how I think about and treat money, make decisions, and pay off debt while enjoying daily life - not depriving myself of what I need. It is so wonderful to have a supportive community of wonderful women to rely on, ask for help, and share with. Before I joined FMS, I just obsessed about all of this stuff and it swirled around in my head and nothing actually changed. Now, Jen and the other members of FMS help me think about things in a new way, learn, and take action to do things differently. I definitely recommend FMS to anyone who wants to get un-stuck financially and have fun with great women learning more about your relationship with money! "

Shannon Lynch, Washington DC

"FMS is a secure place where I can talk about my money quest. I like the dialogue with other members and tools to save easier! The Virtual Envelope System is amazing! Jen is a great cheerleader. The membership fee is well worth it; it's my money therapy." 

Catherine Robertson, Maine

"I knew where I was and what I should do which gave me the courage. Now I have more confidence in all aspects of life. FMS keeps me in the right direction with my own pace. The support is helpful in taking baby steps which pushes me forward. I'm taking control of my money and can enjoy spending it without the guilt I felt in the past." 

Susanna Huse, Great Britain

"FMS has been critical in providing me the motivation to keep going and stick to the changes we have vowed to make. I am able to go on the Facebook group and ask for suggestions, vent, and get support when ever I need it! I feel like having the FMS in my life is truly a blessing and has made my journey to financial freedom that much easier with the support of these wonderful ladies!"

Kathleen Gilchrist, Nashua, New Hampshire

"FMS has helped me so much. Jen is so down to earth and easy to talk to. I feel like she is with me every step of the way. I joined the group looking for accountability with my budgeting and debt management, and that's what I got!! She even found me a personal accountability partner to interact with. We talk about real, everyday financial struggles and how to grow from them. I appreciate Jen for everything she has offered through the FMS. I feel like she genuinely wants me to financial succeed."

Mallory Triplett, Las Vegas, Nevada

"FMS has a powerhouse of resources — from the worksheets, the materials, and the Facebook Group. The mini-classes and bonus materials in the membership site are thorough and very well done. What really brings it all together, though, Jen herself. She is a coach in the true sense of the word. She doesn’t let you off easy, and at the same time she is inspirational and motivating. After working with Jen, I finally have a sense of optimism when it comes to money and a Money Plan that is making a real difference for my family. " 

Laura Harris, St. Louis, MO

Never again wonder if you’re doing the right thing with your money.

I believe many of us were never really taught the truth about money. 

I believe people shouldn’t have to get further in the hole to get the education they deserve. 

The average traditional financial plan costs $1900.

Today you can change your financial destiny for a fraction of the price.

You can join the Fearless Money Sisterhood Membership Program for $100 dollars today. (After today, each month is $30.) There is no minimum time you must stay in this membership program, and you may cancel your membership at any time.

The first five (2 spots left!) women that sign up will also receive one FREE coaching session with me. (That is valued at $250) 

Don’t procrastinate, the membership enrollment closes on Friday, August 12th at midnight (EST).


Frequently Asked Questions: 

I’m in heaps of debt, should I sign up for this membership?

If you are struggling with basic expenses like trying to keep the lights on and feeding your kids this program is not for you. While money mindset and healing your Money Story is a transformative process, I’m not a quick fix for dire financial issues. I’m not a debt counselor.

Can’t I figure this out on my own?

You can learn some of this by reading books. But the main thing, the key to radical change will be missing. You will be missing the support of a strong like-minded sisterhood and direct access to coaching through the monthly calls. With this program, you’ll be able to apply all the methods in all areas of your life. What you’ll gain from this membership will be knowledge that you’ll have for the rest of your life. 

Talking about money makes me sick to my stomach. How can I do this if I feel overwhelmed by Money Shame?

You aren’t alone. EVERYONE HAS MONEY SHAME. Billionaires, millionaires, Marie Forleo and the guy that served you your McDonald’s Breakfast Sandwich this morning all have Money Shame. As a sisterhood we are here to help you heal your Money Shame. Don’t worry, we got you!

When will I have access to the membership site?

Once you enroll you will have instant access to all the tools, worksheets and videos. The content in this membership is self-study. You’ll be able to watch and listen to each video at your own pace. The coaching calls will be scheduled at the beginning of each month. (Stay tuned for an email with more details about the calls.)

What if I want to cancel?

You can cancel anytime with a click of a button. I only want people paying for the membership if they are going to use it.

Warning: As this is a new offering the price is subject to change.

Have additional questions? No worries, I have answers. Email me here.

Some things aren’t better left unsaid.

Some things aren’t better left unsaid.

Forty-six percent of adults say they could not cover an emergency expense costing $400.

Twenty-seven percent of 60 year olds (non-retired) report that they have no retirement.

About 15 years ago, my husband and I were these statistics.

I would break down into tears when I had to unexpectedly get new tires for our car. 

At night when I laid down in bed, I worried about what my life would be like at 75. Would we have to live with our children?

The anger and resentment I had for not tracking expenses better when I was in my 20s was making me bitter.

Everytime my husband and I fought about unpaid bills I worried that the spark that started our love story was getting smaller and smaller.

Here is harsh reality about money...

No government plan is going to bail you out. 

You’re four times more likely to be struck by lightning than to win the lottery. 

No knight in shining armor is coming to save you.

Money is central to ALL of our lives. It isn’t going away. 

You can live in fear and keep hiding your bills.

You can become another statistic.

 Or you can take control of your destiny.

You can write a new story - a story where the tomorrows are as bright as the yesterdays.

I have one question I want to leave you with today:

If not now, when?

If not now, when?

Abrazos + Much Love, 

Your fellow fearless sister, Jen

P.S. Want a taste of the program? Contact me here and I will give you a sneak peek.

P.P.S. Don’t forget you only have until Friday, August 12th to sign up. On the 12th the doors will close at midnight EST! 

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