"Financial Coach Tonja Agey talks about restarting your life when you have suffered a serious loss."

"Financial Coach Tonja Agey explains the difficult but key process of restarting your life when you have suffered a serious loss."

As a Financial Coach who's walked through deep valleys and rebuilt from scratch, I have to say this: **counting on an inheritance is not a financial plan—it’s a hope, not a strategy.**
Life throws curveballs—illness, divorce, job loss, economic downturns. I’ve seen families *lose* everything they thought they'd pass on. I’ve also worked with clients whose expectations of a future windfall caused them to delay taking responsibility for today’s money decisions. That’s a dangerous trap.
Yes, open conversations about money—especially across generations—are powerful. And if parents *want* to include their adult children in planning meetings, I say yes, go for it. But let’s be clear:
**An inheritance is a gift, not a guarantee.**
**Your future security should be built on what you can control—your income, your budget, your behavior—not what *might* come someday.**
Let’s stop waiting for a financial rescue and start building a financial legacy—whether we leave one behind or not.

About Coach Tonja - TLC Financial Coaching, LLC Life threw you a curveball, and now everything feels overwhelming. I get it - and I'm here to help you figure out what comes next, one step at a time. I know the thoughts living in your head: How do you pay the bills when your income just got cut in half, or worse, removed all together? Should you move or stay put? Will people judge me for what happened? Can I trust my own judgment anymore? What if I never find someone again? Am I too old to start over? But it's more than just the practical questions - it's the 3 AM panic about whether you'll lose your home, the shame of asking family for help, the fear that you'll never feel secure again. It's wondering if you're strong enough to start over, or if you're making the right choices for your kids. These aren't just numbers on a spreadsheet - they're sleepless nights, daily anxiety, and the weight of feeling completely alone in figuring it all out. My approach is bold yet compassionate because you need someone who will give you straight answers while understanding the emotional weight of every decision. Together, we'll prioritize your spending to get you through this challenging season and create a plan that moves you forward with confidence. I'm your one-on-one guide focused on money management, goal setting, and accountability. Your success is my goal, but your commitment is key. Let's turn this difficult chapter into your comeback story - so you can look back with no regrets. Serving clients from Warrenton, VA and beyond