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About This Podcast
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.
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Recent Episodes
S1E6 Lilly Tudela: When the Bank Says No, Trusting Yourself and Building Anyway
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…
S5E1 Dr. Lois P. Frankel: The Truth About “Nice Girls” and Why It’s Costing You Money
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…
S1E4 Taylor Jean Perry: Unforgettable! Tattoos, Power, and Redefining Professionalism
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…
S1E3 Maylin Estevez: Beauty, Brains and Branding: A Woman’s Rebirth Through Business
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…
Rachel Rivera: Rocket Science and Real Life: A Woman’s Journey to the Stars, Literally
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,…
S1E1 Cary Carbonaro: Women, Wealth and the Truth we're not taught about Money
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…
Frequently Asked Questions
Karmic Currency Unfiltered has published 6 episodes since January 2026, covering topics in Business, Entrepreneurship.
Karmic Currency Unfiltered is currently highly active with new episodes weekly. Average episode length is 51m.
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