Mindful Money Psychology, LLC

Consulting

Welcome.

I’m Tammy and I’m glad you’re here!

And if you’re here, chances are you’ve begun to wonder about your relationship with money.

Why it feels strained, distant, or self-sabotaging.
What from your past is still shaping how safe, or unsafe, you feel with money today.

And how to relate to money with more confidence and less self-doubt. If these questions resonate, you’re in the right place!

I offer a free 15-minute discovery call

Contact Me To Schedule!

We all process our trauma and put it onto things outside of ourselves: food, sex, alcohol, tv bingeing, drugs, etc.

We also do it with money. We numb, we hide, we mask, we dismiss, we avoid, we buy more than we need, we withhold from ourselves – all in an attempt to fill a void that can never be filled by money.

I noticed this in my own relationship to money. There were seasons where I was overspending, trying to fill my own void that would never be filled by purchasing “stuff.”

The tricky part was that I wasn’t even aware I was trying to fill a void.

I’ve had other seasons of my life where I severely under spent, where I was withholding from myself, dismissing my needs, not trusting I would have enough.

In hindsight, I learned either way was a form of disconnection from self, creating distance in intimate relationships around me.

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 money coach, licensed mental health counselor (MA, LMHC) 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 are responsible, 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, specifically around your relationship to money. 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 coach, 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:

A calmer nervous system around money — so decisions aren’t driven by panic, avoidance, or urgency anymore
Clarity about why you do what you do with money, not just what to change, so patterns actually shift (and stay shifted)
Relief from constant self-judgment (“I’m bad with money”) and a new internal narrative rooted in compassion and truth
Tools to work with your emotions instead of fighting them, including anxiety, shame, grief, resentment, and fear
An end to the feast-or-famine cycle by addressing the emotional roots of scarcity rather than forcing more discipline
Confidence making financial decisions without spiraling, over-researching, or needing constant reassurance
Boundaries with money that feel steady—not rigid or controlling, so you can plan without losing your sense of safety
Language for money conversations that reduces conflict with partners, family, or yourself
A felt sense of trust in yourself around money, even when things aren’t perfect or fully “figured out

I'm ready! Sign me up!

Testimonials

Geoff & Shannon

“Making the decision to invest in our financial future with Tammy has been a game changer for us! No shame or guilt on past or present mistakes. Only a focus on the future, with a re-training of our thought process, creating better financial decisions. This husband and wife are finally becoming a true financial team! You will not be disappointed, we LOVE her!”

Jessa

“I can highly recommend Tammy! She was a pleasure to work with and made everything very digestible. She filled in the pieces for me that I was missing. I feel more confident and knowledgeable understanding how my story impacts my relationship with money. Invaluable!! I highly encourage you to at least talk with her about her program! I recommend it to everyone.”

Darcy

“Tammy approaches her work with compassion, knowledge and kindness, making the experience both easy and extremely beneficial. Her services are simply invaluable.”

Angie

“Working with Tammy was an impactful investment that made a huge difference in my understanding of my relationship to money. Before working with her, I had very little knowledge about how my story contributed to my relationship with money. Throughout our time together, Tammy helped me grow and gave me an invaluable education that I will have for the rest of my life. Her incredible gifts of finance and psychology are so unique and incredibly helpful. All my relationships benefit from this investment I made into myself.”

Joy

“Tammy has been instrumental in helping to establish a deeper understanding of myself and my story. Tammy has helped me develop my awareness around how my story has shaped and impacted how I manage my money and why I sometimes experience conflict with others around money. She has been pivotal in providing information that would have eluded me if not for her background and knowledge of finance and psychology. My relationships have flourished now that I understand myself better around issues related to money. ”

Catherine

“After working with Tammy, I have more confidence about the fundamentals and framework of money and how what was modeled for me as a child impacted my fear and avoidance of money. Tammy’s generous spirit and supportive coaching style has sown the seeds for ensuring growth and healing, so I can continue to live the life I have always wanted and to have peace in my relationship to money.”

Amanda

“After my first conversation with Tammy, I left feeling energized and excited. Several months later, I still feel it was the best decision I made to help grow and heal in my relationship with money. I admire her deep drive to help others. Tammy does not do all the talking. Her ability as a coach shows up most powerfully in the way she asks questions, listens with great patience, and reflects great compassion. As someone who came to her with zero awareness of how my story was impacting my decisions around money, I am deeply grateful for her. Working with her is the best investment you can make. I cannot recommend Tammy enough!”

Danielle

“Working with Tammy was very helpful. Her unique blend of financial and therapeutic education allows her to be a relatable and knowledgeable guide. Tammy’s down-to-earth personality enabled me to automatically feel comfortable asking questions and adjust the pace to my needs, depending on the topic. I feel I have come out of the process with a better self-understanding, feeling empowered to consider financial decisions with confidence and peace.”

Katie

“Working with Tammy is the best investment I have made in myself. The work that Tammy and I have done together has overturned three decades of fear I have had around finances. I am now confident in my relationship to money and as a business woman.”

Suzanne

“As a longtime entrepreneur in the field of psychotherapy, I knew my way around a lot of financial and psychological considerations, but Tammy was still SUPER helpful to me, especially with all my blind spots. I left my meetings with Tammy energized and imaginative about my future, with a solid sense of how my relationship with money came to be and how I could heal and grow. I highly recommend Tammy to you!”

Ways to Work Together

I offer three ways to work together, depending on the level of support you’re looking for and how deep you want to go. Whether you’re seeking clarity around a specific money issue or ready for a full transformation in your relationship with money, there’s a path for you here.

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Focused 1:1 Money Session

A single, high-impact 60-minute session designed to help you get unstuck quickly. This option works best when we already know your story and can dive straight into what matters most.

Ideal for

Former or returning clients
A specific, time-sensitive money decision
Refining or troubleshooting something we’ve already worked on
When you want fast, focused support without ongoing sessions

Investment
$375 per 60-minute session

Apply Now

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Four-Session Money Clarity Package

A short-term coaching container for addressing a specific money issue with intention and care. Over four 60-minute sessions, we’ll explore what’s happening beneath the surface and work toward meaningful resolution and clarity.

Ideal for

New or returning clients
A clear money concern or recurring pattern you want support around
Situations where one session isn’t quite enough, but a full program isn’t needed
Clients who want continuity, momentum, and intentional support

Investment
$1,400 total (a $100 savings)

Apply Now



Ten-Session Money Relationship Transformation Program

Financially Confident Woman / Couple

This is my signature coaching program, intentionally designed to transform your relationship with money from the inside out. Together, we move from your current pain point to understanding its roots, healing what’s been driving your patterns, and building confidence, agency, and ease with money.

This program is more expansive and structured than the other options and is guided by me step-by-step. Each session is 60 minutes.

Ideal for

Individuals or couples ready for deep, lasting change
Long-standing money patterns, stress, or relational conflict around finances
Clients seeking more than a quick fix and ready to build a new relationship with money
Those looking for the most comprehensive support and best per-session value

Investment
$3,250 total (a $500 savings)

Apply Now

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FAQ’s about consulting and how it works

My individual and 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 or fears within themselves.

This one-on-one time leads to more:

financial confidence and understanding
clearer communication in relationships
decreased financial relationship conflict
better financial organization

My individual 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 you weekly
I’ll email you a few disclosure forms that need to be completed electronically (they only take a few minutes) before our first session.
Note: there is a minimum of three sessions and a maximum of twelve. Most clients find it helpful to do them weekly, working together for three months or less.

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 three sessions and a max of twelve sessions for consulting. Most clients find it helpful to meet weekly, working together for three months or less.

What’s the first meeting like?

The first session will be us getting the lay of the land, so to speak. You’ll be invited to share more about your relationship to money and the conflict you’re experiencing (is it internal, only with yourself? Is it external, in one or more of your relationships with loved ones? Have you noticed patterns? etc).

We’ll discuss your goals for our work together and create a road map for our time together.

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?

The cancellation policy is 48 hours.

If you cancel outside of that time frame (i.e., hour 50) you are not charged. However, a 10% processing fee will be deducted from your refund.

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 after this time and the fee is forfeited.

Services

Therapy
Consulting
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Contact

info@mindfulmoneypsychology.com

206-823-2207