The Way You Do Money, LLC
Consulting
Welcome.
I’m Tammy and I’m glad you’re here!
The Way You Do Money helps women understand the deeper psychological and emotional patterns driving their financial behavior.
Blending financial therapy, nervous system work, and practical insight, the work goes beyond budgeting to address the root of overspending, avoidance, anxiety and under-earning—so lasting change actually becomes possible.
If this resonate, you’re in the right place!
I offer a free 15-minute discovery call
Most people don’t have a money problem, they have a pattern.
I work with women who are smart, capable, and know what they should be doing with money, and still find themselves not trusting themselves by overspending, avoiding their accounts, or under-earning.
Financial freedom isn’t just having more money. It’s no longer letting your past decide what you do with it.
I help women stop making financial decisions from old survival strategies and start making them from the person they’re becoming.
Another way I like to say it:
- A financial advisor helps someone create a retirement plan (I used to do this)
- A therapist helps someone understand why they feel anxious (I do this in my therapy practice)
- As a money consultant, I help women become the kind of person who can trust themselves with money, relationships, work, and uncertainty
Money is the context. Identity is the work.
This is a space to explore where money and psychology meet:
And how your lived experiences influence the way you relate to money
I combine the worlds of psychology and money to illuminate what’s happening below the surface and explore why tension about money is rarely solely about money.
I am currently a licensed mental health counselor (MA, LMHC), money pattern consultant and a former licensed financial advisor with CPA background.
I engage these two areas, playing in the intersection, helping to unpack and discover what parts of our story are being played out in our relationship with money.
Who you are / who I work with:
- CURIOUS: You are curious about yourself and why you are the way you engage or avoid issues about money, why you do certain things, and why you have certain patterns in your relationship to money.
- OBSERVANT (or want to be): You’ve noticed that you have patterns in your relationship with money.
- RESPONSIBLE: You take responsibility for yourself, your emotions around money and your actions with money.
- SELF-REFLECTION: You have the capacity for self-reflection around this and other topics.
- DESIRE TO KNOW YOURSELF: You desire to know yourself better. In relationships, you desire to not lose yourself, not feel chaotic or lost, desire to no longer people-please when there’s tension with money.
- AUTHENTIC: You desire to be more authentic and vulnerable in relationships, you’re just not sure what that means yet.
- INTIMACY: You long to experience more intimacy – financially, as well as verbally, emotionally, sexually and intellectually.
- DESIRE CONNECTION: You want to deepen and strengthen your ability to be in intimate, attuned and connected relationships and not have money be such a source of conflict and tension.
- ADULT: You are a high-functioning adult who senses that perhaps your life story has impacted current presenting issues in life around money.
All ethnicities, sexual orientations, gender identifications, and faith orientations are welcome.
My Specialty
Building confidence & calm around money
As a current money consultant, licensed therapist and former licensed financial advisor with a CPA background, I’ve worked with individuals and couples for over 25 years around finances.
What you’ll get out of our work together
As a result of working together, my clients have noticed:
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A calmer nervous system around money — so decisions aren’t driven by panic, avoidance, or urgency anymore
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Clarity about why you do what you do with money, not just what to change, so patterns actually shift (and stay shifted)
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Relief from constant self-judgment (“I’m bad with money”) and a new internal narrative rooted in compassion and truth
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Tools to work with your emotions instead of fighting them, including anxiety, shame, grief, resentment, and fear
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An end to the feast-or-famine cycle by addressing the emotional roots of scarcity rather than forcing more discipline
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Confidence making financial decisions without spiraling, over-researching, or needing constant reassurance
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Boundaries with money that feel steady—not rigid or controlling, so you can plan without losing your sense of safety
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Language for money conversations that reduces conflict with partners, family, or yourself
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A felt sense of trust in yourself around money, even when things aren’t perfect or fully “figured out
Testimonials
Ways to Work Together
Financial freedom isn’t just having more money. It’s no longer letting your past decide what you do with it.
I help women stop making financial decisions from old survival strategies and start making them from the person they’re becoming.
Another way I like to say it:
- A financial advisor helps someone create a retirement plan (I used to do this)
- A therapist helps someone understand why they feel anxious (I do this in my therapy practice)
- As a money consultant, I help women become the kind of person who can trust themselves with money, relationships, work, and uncertainty
Money is the context. Identity is the work.
Focused 1:1 Clarity Session
A single, high-impact 90-minute session designed to help move you from confusion to clarity.
Before:
- “I’m just bad with money.”
- “I’m lazy.”
- “I’m irresponsible.”
- “I know better, why don’t I do better?”
- “I have no discipline.”
- “I’m constantly fixing myself.”
After:
- “My money behaviors make sense.”
- “These were protective adaptations.”
- “I understand why I do this.”
- “I’m finally on my own side.”
Transformations:
- Self-understanding replaces self-judgment
- You can identify the emotional drivers behind your financial behaviors
- You recognize your patterns before automatically acting on them
- You stop confusing coping mechanisms with personality
- Walk away with an action plan
Investment
$997 per 90-minute session
Three Month Intensive
Helping high earning women understand why money still feels hard—even when they’re smart, capable, successful, and doing many things “right.”
A short-term consulting container for addressing intentional transormations of:
- Self-compassion replacing self-contempt
- Curiosity replacing shame
- You stop abandoning yourself when difficult emotions arise
- You begin caring for younger parts of yourself instead of criticizing them
- Internal conflict becomes internal cooperation
Includes two, one-on-one 90-min consulting calls per month, for three months, with Voxer support in between
Our Goals include:
- Exploring the question, “Who do I become when I stop letting old survival strategies run my financial life?”
- You feel emotionally safer inside yourself
- You begin to tolerate uncertainty without immediately seeking relief through old financial behaviors
- You hold conflicting emotions without becoming overwhelmed
- You learn to pause before reacting
- You begin to make decisions aligned with your values rather than your fears
- You trust yourself to navigate difficult financial conversations
- You become more emotionally resilient
- You recover more quickly after financial mistakes instead of spiraling into shame
Interview is required before payment is exchanged to ensure a good fit. Apply below.
Investment
$9,997 total
Free Resources
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FAQ’s about consulting and how it works
My couples consulting sessions are invite only. More info here:
I work closely with clients to help them understand the cause of their financial conflict with loved ones.
This one-on-one time leads to more:
- financial confidence and understanding
- clearer communication in relationships
- decreased financial relationship conflict
- better financial organization
My couples consulting sessions are invite only. Please take 10 minutes to complete the application. If we’re a good fit, I’ll reach out to you to schedule a free 15-minute video discovery call.
During the discovery call:
- You’ll have an opportunity to share more about why you’re seeking help
- You can ask me questions you might have about the process
- I’ll share with you my lens as a consultant & what to expect from working with me
- If we’re a good fit, we’ll move forward by talking logistics, payment and scheduling
If we’re a good fit, what’s next?
If we both decide we’re a good fit after our discovery call together, we’ll:
- Schedule several sessions and find a spot on the calendar that works for both of us
- I’ll email you a few disclosure forms that need to be completed electronically (they only take a few minutes) before our first session.
What outcomes can I expect?
Ever feel like you’re in a constant drama sitcom with money? Does it always feel chaotic in your internal world around money? Ever ache to have a moment of internal groundedness but not sure how to get there?
Ever felt like you are spinning in mentally in an attempt to understand yourself, why you do what you do? Or trying to understand another – a conversation or why someone ghosted you or said what they said about money?
- From chaotic to grounded.
- From confused to understanding.
- From stuck to unstuck.
- From feeling lost to found.
If so, you’re in the right place. Please fill out the application to get started. I look forward to connecting with you in our free 15-minute discovery call.
How often will we meet?
There is a min of one sessions and a max of twelve sessions for consulting. Most clients find it helpful to meet first in one 90 minute session and then progress to the three month intensive.
What’s the first meeting like?
My stance is nonjudgmental and I do not hold you in contempt for choices you have made. I want to understand your goals and desires, to ensure we are caring for them and working towards them.
We have limited time together so we will most likely be working hard in our time together; however, I also believe that healing and growing can be fun and playful. We may find ourselves laughing hysterically over something really fun, or sitting in a moment of grief as we acknowledge and process a deep loss you’ve experienced. Both are welcome and healing.
Do you have a waitlist?
Yes. If there are no openings that align with your schedule, please let me know and I would be happy to add you to the waitlist with specifics of certain times and days of the week that work best with your schedule.
What’s the difference between therapy and consulting?
There are several differentiating aspects, mainly around logistics.
Location – Therapists can only operate in a state where they are licensed. Consulting can occur across state lines and internationally.
Time – Most therapy work does not have a time limit. Patients can come in for one session or work with their therapist for years. They can take pauses and come back a significant time later. With consulting, we have a limited amount of time we can work together – minimum of three sessions and a max of twelve. Our goal is to help you discover the origin of your financial conflict in hopes of being able to take specific questions or areas of exploration back to your personal therapist or licensed financial planner.
Our work together is not clinical, although it may have parts of it that feel therapeutic and psychological. I work to create a platform for you to bring additional knowledge and understanding to your chosen financial planner or therapist. You and I will work together to help you develop a clearer understanding of how you engage with (or even avoid) money. We will work to identify specific agenda items for you to talk through with your financial planner or therapist to support them in more efficiently helping you to intimately work towards your financial goals – not against them. Specifically, that means we will meet via video conference for 60-minutes to discuss your relationship with money and areas you are curious about, are getting in the way, or you would like to see growth and change in.
While I am a licensed mental health counselor (LMHC), the consultation services I offer are not counseling or psychotherapy, nor are these services intended as health care of any kind. In addition, these consulting services are not intended to diagnose or treat any physical or mental illness, dysfunction or condition, nor should they be considered a substitute for any healthcare services. Additionally, the consultation services I offer are not intended to be, and should not be considered to be financial or investment planning or advice, nor should they be considered a substitute for financial or investment planning.
Are there any risks with this type of consulting work?
Engaging the intersection of psychology and finances can have benefits and risks. The risks may include experiencing uncomfortable feelings like sadness, guilt, anger, anxiety, or frustration when discussing aspects of life. This type of explorative work has been shown to have benefits that can include better relationships, solutions to specific problems, increased life satisfaction, improved physical health, and significant reductions in feelings of distress. However, there are no guarantees as to what each client will experience.
What is your cancellation policy?
There are no refunds.
The cancellation policy for cancelled or missed sessions is 48 hours. If you need to cancel within 48 hours, one of your prepaid sessions will be applied to the missed session.
Unused sessions expire after six months. Refunds not available and the fee is forfeited.
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Contact
hello@thewayyoudomoney.com
206-823-2207
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