TLC Financial Coaching, LLC

TLC Financial Coaching, LLC ๐ŸŒŸ Your Empathetic Financial Coach ๐ŸŒŸ

Hello! I'm Tonja Agey, a mother and grandmother with a heart for those struggling to make ends meet.

Coach for women starting over | Empowering you to live with clarity, strength, and financial freedom | Virtual, NoVA-based | Free Discovery Session โ€“ Start fresh today! My journey in financial empowerment began back in 1994, and since then, I've walked the path of financial ups and downs firsthand. Even today, I'm navigating my own financial journey, continuously learning and growing. As your coac

h, I bring not only expertise but also empathy. I understand the challenges because I've lived them. Let's embark on this journey togetherโ€”I'll celebrate your wins, stand by you in setbacks, and provide the encouragement you need to keep pushing forward. Together, we'll rewrite your financial story and build a brighter future for you and your loved ones! ๐Ÿ’–๐Ÿ’ฐ

01/01/2026
Before the pace of the year picks up, take a little time this weekend to sit down and complete your January budget. No p...
12/28/2025

Before the pace of the year picks up, take a little time this weekend to sit down and complete your January budget. No pressureโ€”just clarity.

And pause for a moment to acknowledge this: you made it through last year. That matters.

Job well done.

Now letโ€™s start this year with intention, not stress.

As we gather with loved ones this Christmas season, I find myself reflecting on gratitudeโ€”and that includes each of you....
12/23/2025

As we gather with loved ones this Christmas season, I find myself reflecting on gratitudeโ€”and that includes each of you.

To everyone who has shared their story with me this year, trusted me with their fears and dreams, or simply followed along on this journey: thank you. Your courage inspires me every single day.

I know this season can feel complicated for many reasons. Some of you are navigating separation, loss, or rebuilding after major life changes. Others are working through financial challenges or health setbacks. And some of you are simply here learning and preparing for whatever comes next. Wherever you are right now, please know this: you are stronger than you think, and you're not alone.

My prayer for you this Christmas is simpleโ€”that you feel seen, supported, and surrounded by people who champion your next chapter. And that you give yourself grace for however you're showing up right now.

2026 is going to be your year of moving forward with confidence. I can feel it.

With love and gratitude,

~ Coach Tonja

12/08/2025
12/08/2025

You donโ€™t get lucky.

You make your luck.

There are 3 ways to increase your odds of luck:

1. Do, repeatedly. Try, then iterate.

2. Be consistent. Resist the urge to give up.

3. Gain knowledge. Invest in yourself.

So, if you bring...

1. The willingness to do the actions necessary to buy a business.

2. The grit to keep going when it gets hard.

Then I will teach you...

3. How to do it (while skipping the scars & fast-tracking to cashflow).

Just come to my Masterclass (free, live) on Dec 9th. Register here โ†’ https://info.contrarianthinking.co/buy-masterclass?utm_source=facebook&utm_medium=organic&utm_campaign=masterclass_buy_december_9

Great advice from Coach David!
12/08/2025

Great advice from Coach David!

You are seen.....You are heard....You are Enough! โ›ˆ๏ธโ˜€๏ธ๐ŸŒˆ๐Ÿ’›
12/01/2025

You are seen.....You are heard....You are Enough! โ›ˆ๏ธโ˜€๏ธ๐ŸŒˆ๐Ÿ’›

Looking for a profession to get into that will bring high income and less debt? Try a trade1
11/24/2025

Looking for a profession to get into that will bring high income and less debt? Try a trade1

This popped up in my newsfeed this morning, and made me smile, albeit, ruefully. Does it make me look prescient? Like a man with his fingers on the pulse of change?

Before you answer, consider this. Back in 2005, Nvidia was trading for $.28 a share. Today, the company is worth $5 trillion. If I had a crystal ball, you may rest assured Iโ€™d have invested every spare nickel I had in this stock, 20 years ago. But of course, 20 years ago, Nvidia was just another unpronounceable Silicon Valley company that needed to buy a vowel, and I was just another guy crawling through sewers on Discovery. I didnโ€™t know then what I know now โ€“ I only knew what I learned from Dirty Jobs โ€“ namely, that the skills gap was wide, and getting wider, that โ€œCollege for Allโ€ was a canard, that taking shop class out of high school was a monumentally foolish thing to do, that skilled tradespeople were retiring a LOT faster that they were being replaced, and that ultimately, things were going to have to get a lot worse before the grown-ups in the room started paying attention. And, while I had no idea who Jensen Huang was, I did believe that โ€“ when the time came - the CEOโ€™s of our most valuable companies would play a huge roll in reinvigorating the skilled trades.

Well, the time has come. Smart people have done the math and concluded that we have a very serious problem thatโ€™s going to affect the entire country. Obviously, I think Jensen is right, and I couldnโ€™t be happier for the plumbers and electricians who will certainly become millionaires. (I just met a few myself, at a Data Center in Texas. Thirty years old and $240K a year. With no college debt...) But of course, their success is being fueled, in large part, by their collective scarcity, and thatโ€™s nothing less than a matter of national security - especially in the world of ship-building. The Secretary of the Navy, John Phelan, hits the nail squarely on the head. https://bit.ly/4qW4poi From the article:

โ€œFor the last decade, weโ€™ve taught people how to code,โ€ he noted. โ€œFor the next decade, teaching people how to use their hands will be the most relevant skill needed in the workplace.โ€

Just to replace the pipefitters, welders, ship fitters, and structural fabricators needed to repair current ships and construct the new ones needed, Phelan noted, requires one-quarter of a million newly trained American workers.

โ€œWe need your help to restore the idea that working in the trades is not just honorable, itโ€™s indispensable,โ€ Phelan told the audience. โ€œBecause when we talk about national security, weโ€™re really talking about economic security, industrial security, and the dignity of work.โ€

Needless to say, the Secretary and I are in violent agreement. Toward that end, Iโ€™m on a plane, again, headed to The Pentagon, where Iโ€™ll meet with several members of the cabinet to discuss the possible ways that mikeroweWORKS can assist with a broad-based effort to reinvigorate the skilled trades. I have no idea what will come of it, because I really donโ€™t have a crystal ball. But then again, I donโ€™t need one to know that the Feds will have a massive roll to play in what comes next, along with every CEO of every major US corporation. And I for one, will be very curious to see who among them will step up in a meaningful way.

After all, it's only a matter of national security...

๐ˆ๐ญ'๐ฌ ๐ƒ๐ž๐œ๐ž๐ฆ๐›๐ž๐ซ โ€“ ๐“๐ข๐ฆ๐ž ๐ญ๐จ ๐๐ฅ๐ž๐ฌ๐ฌ ๐˜๐จ๐ฎ๐ซ ๐‡๐จ๐ฆ๐ž ๐ฐ๐ข๐ญ๐ก ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐“๐‹๐‚! ๐ŸŽ„โœจ๐–ก๐–พ๐–ฟ๐—ˆ๐—‹๐–พ ๐—’๐—ˆ๐—Ž ๐–ฝ๐—‚๐—๐–พ ๐—‚๐—‡๐—๐—ˆ ๐—๐—๐–พ ๐—๐—ˆ๐—…๐—‚๐–ฝ๐–บ๐—’ ๐—๐—Ž๐—Œ๐—๐—…๐–พ, ๐—…๐–พ๐—'๐—Œ ๐—๐–บ๐—…๐—„ ๐–บ๐–ป๐—ˆ๐—Ž๐— ...
11/23/2025

๐ˆ๐ญ'๐ฌ ๐ƒ๐ž๐œ๐ž๐ฆ๐›๐ž๐ซ โ€“ ๐“๐ข๐ฆ๐ž ๐ญ๐จ ๐๐ฅ๐ž๐ฌ๐ฌ ๐˜๐จ๐ฎ๐ซ ๐‡๐จ๐ฆ๐ž ๐ฐ๐ข๐ญ๐ก ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐“๐‹๐‚! ๐ŸŽ„โœจ

๐–ก๐–พ๐–ฟ๐—ˆ๐—‹๐–พ ๐—’๐—ˆ๐—Ž ๐–ฝ๐—‚๐—๐–พ ๐—‚๐—‡๐—๐—ˆ ๐—๐—๐–พ ๐—๐—ˆ๐—…๐—‚๐–ฝ๐–บ๐—’ ๐—๐—Ž๐—Œ๐—๐—…๐–พ, ๐—…๐–พ๐—'๐—Œ ๐—๐–บ๐—…๐—„ ๐–บ๐–ป๐—ˆ๐—Ž๐— ๐—Œ๐—ˆ๐—†๐–พ๐—๐—๐—‚๐—‡๐—€ ๐—๐—๐–บ๐— ๐—๐—‚๐—…๐—… ๐–ป๐—‹๐—‚๐—‡๐—€ ๐—’๐—ˆ๐—Ž ๐–ฑ๐–ค๐– ๐–ซ ๐—‰๐–พ๐–บ๐–ผ๐–พ ๐—๐—๐—‚๐—Œ ๐—Œ๐–พ๐–บ๐—Œ๐—ˆ๐—‡: ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐ท๐‘’๐‘๐‘’๐‘š๐‘๐‘’๐‘Ÿ ๐‘๐‘ข๐‘‘๐‘”๐‘’๐‘ก.

๐‡๐ž๐ซ๐ž'๐ฌ ๐ญ๐ก๐ž ๐ญ๐ซ๐ฎ๐ญ๐ก: ๐–ข๐—๐—‹๐—‚๐—Œ๐—๐—†๐–บ๐—Œ ๐–ฝ๐—ˆ๐–พ๐—Œ๐—‡'๐— ๐—๐–บ๐—๐–พ ๐—๐—ˆ ๐–ผ๐—ˆ๐—†๐–พ ๐—๐—‚๐—๐— ๐–ฉ๐–บ๐—‡๐—Ž๐–บ๐—‹๐—’ ๐—‹๐–พ๐—€๐—‹๐–พ๐—. ๐–ก๐—Ž๐— ๐—‚๐— ๐ƒ๐Ž๐„๐’ ๐—‹๐–พ๐—Š๐—Ž๐—‚๐—‹๐–พ ๐–บ ๐—‰๐—…๐–บ๐—‡.

๐–ณ๐—๐—‚๐—Œ ๐—†๐—ˆ๐—‡๐—๐—, ๐–จ'๐—† ๐–ผ๐—๐–บ๐—…๐—…๐–พ๐—‡๐—€๐—‚๐—‡๐—€ ๐—’๐—ˆ๐—Ž ๐—๐—ˆ:
โœจ ๐‘‡๐‘Ž๐‘˜๐‘’ ๐‘–๐‘›๐‘ฃ๐‘’๐‘›๐‘ก๐‘œ๐‘Ÿ๐‘ฆ ๐‘œ๐‘“ ๐‘คโ„Ž๐‘Ž๐‘ก ๐‘ก๐‘Ÿ๐‘ข๐‘™๐‘ฆ ๐‘š๐‘Ž๐‘ก๐‘ก๐‘’๐‘Ÿ๐‘  โ€“ ๐–ถ๐—๐–บ๐— ๐—†๐–พ๐—†๐—ˆ๐—‹๐—‚๐–พ๐—Œ ๐–ฝ๐—ˆ ๐—’๐—ˆ๐—Ž ๐—๐–บ๐—‡๐— ๐—๐—ˆ ๐–ผ๐—‹๐–พ๐–บ๐—๐–พ? ๐–ถ๐—๐–บ๐— ๐—๐—‹๐–บ๐–ฝ๐—‚๐—๐—‚๐—ˆ๐—‡๐—Œ ๐–ฟ๐–พ๐–พ๐–ฝ ๐—’๐—ˆ๐—Ž๐—‹ ๐—Œ๐—ˆ๐—Ž๐—…? ๐–ฒ๐—๐–บ๐—‹๐— ๐—๐—๐–พ๐—‹๐–พ.

๐ŸŽ ๐ต๐‘ข๐‘‘๐‘”๐‘’๐‘ก ๐น๐‘‚๐‘… ๐‘กโ„Ž๐‘’ ๐‘ ๐‘’๐‘Ž๐‘ ๐‘œ๐‘›, ๐‘›๐‘œ๐‘ก ๐ด๐‘…๐‘‚๐‘ˆ๐‘๐ท ๐‘–๐‘ก โ€“ ๐–ธ๐—ˆ๐—Ž๐—‹ ๐–ฃ๐–พ๐–ผ๐–พ๐—†๐–ป๐–พ๐—‹ ๐–ป๐—Ž๐–ฝ๐—€๐–พ๐— ๐—Œ๐—๐—ˆ๐—Ž๐—…๐–ฝ ๐—‚๐—‡๐–ผ๐—…๐—Ž๐–ฝ๐–พ ๐—€๐—‚๐–ฟ๐—๐—Œ, ๐—€๐–บ๐—๐—๐–พ๐—‹๐—‚๐—‡๐—€๐—Œ, ๐–บ๐—‡๐–ฝ ๐—€๐—‚๐—๐—‚๐—‡๐—€ โ€“ ๐–บ๐—…๐—… ๐—๐—‚๐—๐—๐—ˆ๐—Ž๐— ๐–ฝ๐–พ๐—‹๐–บ๐—‚๐—…๐—‚๐—‡๐—€ ๐—’๐—ˆ๐—Ž๐—‹ ๐–ฟ๐—‚๐—‡๐–บ๐—‡๐–ผ๐—‚๐–บ๐—… ๐—‰๐—‹๐—ˆ๐—€๐—‹๐–พ๐—Œ๐—Œ.

๐Ÿ’ช ๐‘†๐‘ก๐‘Ž๐‘ฆ ๐‘ค๐‘–๐‘กโ„Ž๐‘–๐‘› ๐‘Œ๐‘‚๐‘ˆ๐‘… ๐‘๐‘œ๐‘ข๐‘›๐‘‘๐‘Ž๐‘Ÿ๐‘–๐‘’๐‘  โ€“ ๐–ณ๐—๐—‚๐—Œ ๐—‚๐—Œ๐—‡'๐— ๐–บ๐–ป๐—ˆ๐—Ž๐— ๐–ผ๐—ˆ๐—†๐—‰๐–พ๐—๐—‚๐—‡๐—€ ๐—๐—‚๐—๐— ๐–บ๐—‡๐—’๐—ˆ๐—‡๐–พ ๐–พ๐—…๐—Œ๐–พ'๐—Œ ๐–ข๐—๐—‹๐—‚๐—Œ๐—๐—†๐–บ๐—Œ. ๐–จ๐—'๐—Œ ๐–บ๐–ป๐—ˆ๐—Ž๐— ๐—๐—ˆ๐—‡๐—ˆ๐—‹๐—‚๐—‡๐—€ ๐—๐—๐–บ๐— ๐—๐—ˆ๐—‹๐—„๐—Œ ๐–ฟ๐—ˆ๐—‹ ๐–ธ๐–ฎ๐–ด๐–ฑ ๐—…๐—‚๐–ฟ๐–พ ๐–บ๐—‡๐–ฝ ๐–ธ๐–ฎ๐–ด๐–ฑ ๐—€๐—ˆ๐–บ๐—…๐—Œ.
๐–ธ๐—ˆ๐—Ž ๐–ฝ๐—ˆ๐—‡'๐— ๐—‡๐–พ๐–พ๐–ฝ ๐—‰๐–พ๐—‹๐—†๐—‚๐—Œ๐—Œ๐—‚๐—ˆ๐—‡ ๐—๐—ˆ ๐—ˆ๐—๐–พ๐—‹๐—Œ๐—‰๐–พ๐—‡๐–ฝ. ๐–ธ๐—ˆ๐—Ž ๐—‡๐–พ๐–พ๐–ฝ ๐–บ ๐—‰๐—…๐–บ๐—‡ ๐—๐—๐–บ๐— ๐—…๐–พ๐—๐—Œ ๐—’๐—ˆ๐—Ž ๐–ผ๐–พ๐—…๐–พ๐–ป๐—‹๐–บ๐—๐–พ ๐—๐—‚๐—๐— ๐–ผ๐—ˆ๐—‡๐–ฟ๐—‚๐–ฝ๐–พ๐—‡๐–ผ๐–พ ๐–บ๐—‡๐–ฝ ๐—†๐—ˆ๐—๐–พ ๐—‚๐—‡๐—๐—ˆ ๐–ฉ๐–บ๐—‡๐—Ž๐–บ๐—‹๐—’ ๐—๐—‚๐—๐— ๐—‡๐—ˆ ๐—‹๐–พ๐—€๐—‹๐–พ๐—๐—Œ.

๐–ฑ๐–พ๐–บ๐–ฝ๐—’ ๐—๐—ˆ ๐—€๐—‚๐—๐–พ ๐—’๐—ˆ๐—Ž๐—‹ ๐–ฟ๐—‚๐—‡๐–บ๐—‡๐–ผ๐–พ๐—Œ ๐—๐—๐–พ ๐–ณ๐–ซ๐–ข ๐—๐—๐–พ๐—’ ๐–ฝ๐–พ๐—Œ๐–พ๐—‹๐—๐–พ? ๐–ฃ๐—‹๐—ˆ๐—‰ ๐–บ ๐ŸŽ„ ๐—‚๐—‡ ๐—๐—๐–พ ๐–ผ๐—ˆ๐—†๐—†๐–พ๐—‡๐—๐—Œ ๐—‚๐–ฟ ๐—’๐—ˆ๐—Ž'๐—‹๐–พ ๐–ผ๐—ˆ๐—†๐—†๐—‚๐—๐—๐—‚๐—‡๐—€ ๐—๐—ˆ ๐—’๐—ˆ๐—Ž๐—‹ ๐–ฃ๐–พ๐–ผ๐–พ๐—†๐–ป๐–พ๐—‹ ๐–ป๐—Ž๐–ฝ๐—€๐–พ๐— ๐—๐—๐—‚๐—Œ ๐—๐–พ๐–พ๐—„!

๐‘น๐’†๐’Ž๐’†๐’Ž๐’ƒ๐’†๐’“: ๐–ธ๐—ˆ๐—Ž ๐–ผ๐–บ๐—‡ ๐—๐–บ๐—๐–พ ๐–บ ๐–ป๐–พ๐–บ๐—Ž๐—๐—‚๐–ฟ๐—Ž๐—…, ๐—†๐–พ๐–บ๐—‡๐—‚๐—‡๐—€๐–ฟ๐—Ž๐—… ๐—๐—ˆ๐—…๐—‚๐–ฝ๐–บ๐—’ ๐—Œ๐–พ๐–บ๐—Œ๐—ˆ๐—‡ ๐– ๐–ญ๐–ฃ ๐—Œ๐—๐–บ๐—’ ๐—๐—‹๐—Ž๐–พ ๐—๐—ˆ ๐—’๐—ˆ๐—Ž๐—‹ ๐–ฟ๐—‚๐—‡๐–บ๐—‡๐–ผ๐—‚๐–บ๐—… ๐—‰๐—‹๐—‚๐—ˆ๐—‹๐—‚๐—๐—‚๐–พ๐—Œ.

๐–ณ๐—๐–บ๐—'๐—Œ ๐—๐—๐–บ๐— ๐–ฅ๐—‚๐—‡๐–บ๐—‡๐–ผ๐—‚๐–บ๐—… ๐–ณ๐–ซ๐–ข ๐—‚๐—Œ ๐–บ๐—…๐—… ๐–บ๐–ป๐—ˆ๐—Ž๐—.

~๐–ข๐—ˆ๐–บ๐–ผ๐— ๐–ณ๐—ˆ๐—‡๐—ƒ๐–บ
๐–ณ๐–ซ๐–ข ๐–ฅ๐—‚๐—‡๐–บ๐—‡๐–ผ๐—‚๐–บ๐—… ๐–ข๐—ˆ๐–บ๐–ผ๐—๐—‚๐—‡๐—€, ๐–ซ๐–ซ๐–ข
๐–ถ๐–บ๐—‹๐—‹๐–พ๐—‡๐—๐—ˆ๐—‡, ๐–ต๐– 

๐‘๐‘’๐‘’๐‘‘ ๐‘ ๐‘ข๐‘๐‘๐‘œ๐‘Ÿ๐‘ก ๐‘๐‘Ÿ๐‘’๐‘Ž๐‘ก๐‘–๐‘›๐‘” ๐‘Ž ๐‘๐‘ข๐‘‘๐‘”๐‘’๐‘ก ๐‘กโ„Ž๐‘Ž๐‘ก โ„Ž๐‘œ๐‘›๐‘œ๐‘Ÿ๐‘  ๐‘๐‘œ๐‘กโ„Ž ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘ ๐‘’๐‘Ž๐‘ ๐‘œ๐‘› ๐‘Ž๐‘›๐‘‘ ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘ ๐‘Ž๐‘›๐‘–๐‘ก๐‘ฆ? ๐ฟ๐‘’๐‘ก'๐‘  ๐‘ก๐‘Ž๐‘™๐‘˜.

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Warrenton, VA
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https://www.ramseycoach.com/TLC-Financial-Coaching-LLC, https://calen

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