private Money Management
Pay off your debt in an average of 12 months while building your dream life
PRIVATE Money Management
Pay off your debt in an average of 12 months while building your dream life
Private Money Management is a service for high-earning women who want to get out of debt without giving up the things they enjoy.
You’ve tried everything. Every method. Every training. But you still feel trapped by your debt.
Within 6 months of Private Money Management, you will:
→ Know exactly where your money is going every month, down to the penny
→ Have a sustainable debt repayment plan and strategy
→ Start funding (or growing) your savings
→ Know what you need to prepare for major life investments
→ Develop a better mindset about your finances
→ Be more prepared for life’s unexpected expenses
→ Live comfortably without sacrificing the lifestyle you love
→ Feel less anxious about your money each month
→ Have a concierge and accountability partner guiding you every step of the way and doing the work for you
You’re a high-earner with a wildly successful career, but somehow you still find yourself living paycheck to paycheck.
Since 2023, my clients have eliminated over $1.3 million in personal debt.
You should be keeping more of the salary you’ve worked hard for.
You can live a peaceful life as a high-achieving woman without feeling crushed by your bills and expenses every month.
Private Money Management will show you how to make your income work for you.
Who is Private Money Management for?
Private Money Management is for high-earning women who want to get out of debt, eliminate the embarrassment and anxiety you feel around your finances, and have a healthier relationship with money.
Getting another job or starting a business won’t make your finances feel peaceful
having your money managed for you will
Working multiple jobs, starting a side hustle, or opening a business won’t solve your financial troubles. It will just burn you out and lead to more debt. Better money management is the only path to having peaceful finances.
Getting another job or starting a business won’t make your finances feel peaceful.
Learning how to manage your current income will
Working multiple jobs, starting a side hustle, or opening a business won’t solve your financial troubles. It will just burn you out and lead to more debt. Better money management is the only path to having peaceful finances.
What They’re Saying
Where do I start? When I came across TRJF on Threads, my interest was piqued due to where my circumstances were. Tiyana hit the nail on the head with wanting to help black women enjoy their earnings, without the shame attached to having debt and climbing out of it. When I joined, it was (and still is) an adjustment. But, I am proud to say that even as a work in progress, progress is being made! I’m paying off debt and getting my finances in order for sure. I’m starting to look at my money differently and I enjoy the candor and comfort that the firm provides. One thing I learned was that “just because I have money, doesn’t mean I have to spend it” – talk about ground breaking? Lol. It’s worth the investment into my future and I would highly recommend that all black women who are high earners join this program so that you can make the most of your money. I love the TRJF! Thank you!
– Jameka A.
I’ve been with RJ Firm for less than a year, and even though I’m not debt-free yet, I already feel like a huge weight has been lifted. I’m one of those government employees she talks about. I found her while doomscrolling and stressing about what the future might look like, especially during a time when so many of us in government felt like our jobs weren’t as secure as we once thought.
I’ve always tried to be careful with money, but February through September 2025 really tested me. For the first time, I was genuinely scared financially and realized I had taken my paycheck for granted, assuming it would always be there.
I low-key followed her on Threads for a while before finally booking a consultation, thinking I had nothing to lose. From the start, the vibe was right. I felt comfortable being vulnerable about my finances, which is not easy for me. What really clicked was when she explained that I actually had the money, I just couldn’t see it because I was spread too thin, which is why budgeting never seemed to stick.
After prayer (because I don’t trust just anybody with my money), I signed up, and I’m so glad I did. I’ve paid off all of my credit cards and while affording a dream trip. The system is not evasive but you HAVE to be honest with self for it to work. Now we’re working on building my savings and paying off my home two years early.
She truly does what she says she can do and is there when you’re unsure which direction to take. I’m really grateful I found her.
– Stacey W.
Our Private Money Management Process
001. Clarify Your Numbers
The first step in Private Coaching is to analyze your numbers and get a crystal clear picture of your current finances: your income, expenses, debts, and savings. This allows us to identify any financial leaks, spending habits, and more.
002. Set Money Goals
Once we know your numbers we’re able to create realistic goals that align with your financial vision. We will create a budget and spending plan each month that aligns with your lifestyle to avoid impulse spending and ensure all of your needs are met.
003. Debt & Savings
We will create and implement an intentional debt repayment plan that will enable you to pay off your credit card and personal debt strategically. Funds will be allocated towards both your debt and your savings, giving you more financial peace and security.
004. Automate your Money
Once your budget and debt payoff plan are established, we will begin to put your finances on autopilot. We will help you automate monthly bill payments, savings, and debt repayments to help you build strong habits that lead to long-term wealth.
005. Elevate Your Credit
If you have been struggling with debt for quite some time, your credit has likely taken a hit. We will help you monitor and improve your credit as you pay off debt to prepare for future investments such as home buying.
006. Money Peace
We will allocate money each month that will provide a balance between wealth-building and enjoyment responsibly. You will be updated weekly on upcoming payments, bills, account balances, and more. You will have peace of mind knowing your finances are handled on your behalf.
Inside the Service
Service features
Money & Mindset Coaching
Monthly 1:1 meetings with your personal Money Concierge to help you overcome your money trauma and provide guidance based on your unique situation.
Personalized Monthly Budget
Receive a detailed monthly budget based on your goals that we implement immediately to improve your spending and financial habits.
Debt Payoff Tracking & Reviews
We will review your debt payments and balances every month. We will also keep track of your progress, ensuring you hit your goals.
Transaction Monitoring
We help you stay accountable with secure transaction monitoring weekly. We make sure your day-to-day spending aligns with your budget.
Custom Debt & Savings Plan
We will address your debt with an intentional, actionable plan according to your monthly budget and expenses, enabling you to pay off your debt in an average of 12 months.
Major Purchase Planning
Determine what you need before making major investments. Whether home ownership, a new car purchase, growing a business or sending a child off to college is on the horizon, we will help you prepare.
Client Wins
“…I’ve been able to save, eliminate credit card debt, and even send my son off to college with confidence..”
I started working with The Rosaiah Jamēs Firm in November 2023 during a time when, as a single mother, I was struggling to manage my finances. From my very first consultation, I felt an immediate sense of relief. I shared my goals with Tiyana, and she truly took my hand and ran with them.
Since working with the firm, I’ve learned how to manage a clear, realistic budget and live with far less stress. I now know exactly where every dollar goes, I’ve been able to save, eliminate credit card debt, and even send my son off to college with confidence. The support, guidance, and accountability I received have been life changing.
Shanavia W.
“…For the first time, I don’t feel alone with my financial goals, both personally and in my business…”
I try not to beat myself up for being on Tiyana’s mailing list for two and a half years before finally taking the leap. This has been one of the most eye-opening experiences of my life when it comes to my finances—where I’ve been, where I actually am, and where I’m going. For the first time, I don’t feel alone with my financial goals, both personally and in my business. I’ve been working for myself full-time for over five years, and now I don’t just have a plan—I have someone in my corner. Do I still fall off track sometimes? Yes. But I don’t shame myself anymore. Having Tiyana and her guidance has calmed my financial anxiety almost completely. Because of Six Figure Abundance, I know I’m reaching my goals this year and beyond. I highly recommend Six Figure Abundance, and Tiyana will be in my life forever because of this work.
Aycee B.
“…The big sister of finances...”
The Rosaiah Jamēs Firm is absolutely the best hands down! I went from stressing every paycheck to paying bills ahead of time AND having money for myself. I’m so happy that I came in contact with Tiyana. She’s truly the big sister of finances.
Jessica R.
The Investment
$789
per month
Minimum 6 month commitment
Frequently Asked Questions
How will I know if I can afford the service?
Our consultation process allows us to determine your eligibility for the service. We will conduct a preliminary assessment to confirm you will be able to comfortably afford monthly services without negatively impacting your finances prior to enrollment.
Do I need to get my finances in order before coming to you?
No, this is one of the most common things I hear, and I completely understand the instinct. It feels like you should show up with a clean slate, a budget already in place, maybe a little more saved. But waiting until your finances are “ready” is exactly what keeps most women stuck.
Private Money Management is not a service you have to prepare for. It’s the place where the preparation happens. That’s the whole point. We come in together, assess exactly where you are right now, and build the strategy from there. Your current financial situation isn’t a problem we need to fix before we start. It’s the starting line.
In fact, the clients who have seen the most transformation are the ones who came in carrying the most—debt, disorganization, and all. They didn’t clean it up first. They let us do the work.
You don’t need to have it together to get started. You just need to be ready to let us do it for you.
Can I leave the service early?
Private Money Management is designed to be an ongoing service with a 6 month minimum commitment to see the best results. However, if you need to cancel, a 30 day notice is required.
What are the requirements for joining?
We accept individuals and couples whose annual household income is $80,000 or more. We also compare your annual income to your monthly expenses prior to enrollment.
What type of 1:1 support will I receive?
We will communicate daily to weekly via our private Slack community and our text line. We will meet monthly to discuss spending, your budget, the debt payoff and spending plan for the following month, and more. You will receive a weekly progress report of your financials that detail the bills that are due for the week, debt payoff, savings balances, and more. If we are between meetings, you have access to book a monthly SOS for urgent updates and changes.