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Episode 270: How Mental Health Impacts Your Money | Jasmine Ramirez | By Any Means Coaching


Episode 270 features Jasmine Ramirez of By Any Means Coaching. We talk about how mental health impacts your money! Listen now!

Episode 270: How Mental Health Impacts Your Money | Jasmine Ramirez | By Any Means Coaching

Jasmine Ramirez is a proud Latina from New York City. She is a seasoned financial therapist and coach with over a decade of experience.

Jasmine and her husband founded By Any Means Coaching (B.A.M.) in 2020. They provide personalized finance coaching geared to the distinctive experiences of BIPOC communities. Her focus is to help clients make bold financial decisions without shame or guilt. Guiding her approach with The Millennial Money Method, this method blends financial literacy, strategic wealth planning, and the psychology of money.

More than a financial therapist and coach, Jasmine is a catalyst for change. With unwavering dedication, she supports communities of color through her other business ventures.

Jasmine owns Honest Hour, a diverse counseling practice serving New York, New Jersey, Washington D.C., and Maryland. At Honest Hour, therapy seekers can speak with therapists who value cultural nuances.

Jasmine’s influence extends well beyond her private practice and coaching company. She co-founded The Latinx Practice Collective with two other Latina therapists. The collective provides community and support to Latino clinicians in New York and New Jersey on their journey to becoming CEOs of their private practice.

Jasmine Ramirez, a certified financial social worker, discusses the relationship between mindset and money. She shares her journey of discovering the field of financial social work and becoming certified. Jasmine also opens up about her own money story, including the narratives she picked up from her household and religious beliefs.

She highlights common issues in the Latino community regarding mindset and money, such as guilt, pressure to support family members, and feeling like they should be further along in their financial journey. Jasmine provides advice on navigating these challenges and emphasizes the importance of building connections and breaking generational curses of poverty.

Episode 270 Takeaways:

  • The relationship between mindset and money is crucial for transforming your financial situation.
  • Common issues in the Latino community regarding mindset and money include guilt, pressure to support family members, and feeling like they should be further along in their financial journey.
  • Building connections and breaking generational curses of poverty are important steps in transforming your relationship with money.
  • Therapy sessions can help you explore your triggers and patterns, leading to awareness and the development of coping skills.
  • Skills from social work can be applied to various entrepreneurial ventures, and it’s important to be intentional and purposeful in hustling for financial goals.
  • Paying off debt and planning for major expenses can be achieved through intentional budgeting, negotiation, and utilizing credit card points.
  • Working on money mindset is essential for long-term financial success.


  • 00:00 – Introduction to Jasmine Ramirez and Financial Social Work
  • 08:19 – Common Issues in the Latino Community: Guilt, Pressure, and Comparison
  • 20:36 – Exploring Triggers and Patterns in Therapy Sessions
  • 28:35 – From Social Work to Entrepreneurship: The Power of Intentional Hustling
  • 31:52 – Paying Off Debt and Maximizing Credit Card Points for Major Expenses
  • 35:35 – The Importance of Money Mindset in Long-Term Financial Success

Whenever you’re finding yourself having conversations around money, whether you’re educating yourself about the importance of paying off debt, saving your emergency fund or building wealth, please make sure that you’re also making time to work on your money mindset. That is going to be the foundation that sets you up for success wherever you are in your financial journey.

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Until next time, stay empowered, stay inspired & #staypoderosa✨💎

Watch The Full Video Episode Now On YouTube!

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Financially Lit! offers you culturally relevant and relatable personal finance advice that will finally allow you to feel seen, heard, and understood. Whether it’s the guilt you feel from being the first person to “make it” while members of your family are still struggling, or the way financial trauma manifests itself in negative and limiting beliefs around money, Jannese Torres is here to guide you through it all.

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Meet Jannese

Jannese Torres is a award-winning Latina Money Expert, Educator, Speaker, Writer and Business Coach. She became an accidental entrepreneur after a job loss led her to create a successful Latin food blog, Delish D’Lites. Now, she helps her clients and listeners build successful online businesses that allow them to pursue financial independence and freedom.

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