Sandy Fernandez

Karmic Currency Unfiltered

Business EN ↓ 6 episodes

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 abou...

Author

Sandy Fernandez

Episodes

Lilly Tudela: When the Bank Says No, Trusting Yourself and Building Anyway 30.03.2026 53:35

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 drai...

Dr. Lois P. Frankel: The Truth About “Nice Girls” and Why It’s Costing You Money 30.03.2026 51:17

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 chang...

Taylor Jean Perry: Unforgettable! Tattoos, Power, and Redefining Professionalism 02.03.2026 41:30

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...

Maylin Estevez: Beauty, Brains and Branding: A Woman’s Rebirth Through Business 21.02.2026 53:34

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 di...

Rachel Rivera: Rocket Science and Real Life: A Woman’s Journey to the Stars, Literally 06.02.2026 49:35

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...

Cary Carbonaro: Women, Wealth and the Truth we're not taught about Money 29.01.2026 48:46

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 wr...