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Financial Healing, Credit, and Closing the Wealth Gap with Tierrá Bonds

The Jason Cavness Experience

Release Date: 11/21/2025

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In this episode of The Jason Cavness Experience, Jason sits down with Tierrá Bonds, Founder & CEO of Take Charge Credit Consulting. To dig into the financial realities so many people quietly struggle with  credit, debt, generational trauma, and why the racial wealth gap continues to grow in the U.S.

Tierrá breaks down her journey from her early struggles with credit to becoming one of the leading trauma-informed financial coaches working with individuals, nonprofits, and government agencies across Washington State.

She shares how childhood experiences shape our relationship with money, why credit systems are designed the way they are, and the truth behind predatory lending, payday loans, rent reporting, and how the system keeps people stuck. 

The conversation dives deep into motherhood, entrepreneurship, financial trauma, the psychology of money, the realities of poverty vs. “American poverty,” building wealth later in life, and how Tierrá helps people repair credit, rebuild confidence, and create generational change. If you’ve ever dealt with financial stress, avoided looking at your credit report, or felt like you were “behind,” this episode will hit home.

Topics Discussed:

• Motherhood, entrepreneurship, and finding life balance

• Travel stories, cultural experiences, and exploring the world

• Trauma-informed financial coaching and why money triggers people

• Generational wealth gaps and the racial credit gap

• Credit myths, credit utilization, and how the system really works

• Payday loans and predatory financial structures

• Rent vs. homeownership and the importance of education

• Why many families avoid talking about money

• Business credit vs personal credit and TikTok myths

• Working with nonprofits, cities, and the Department of Commerce

• Why many entrepreneurs aren’t ready to be business owners

• Funding disparities for Black women founders

• Mental health, financial shame, and asking for help

• Tierrá’s long-term vision: entrepreneurship, investment, and social impact

• Advice for anyone trying to finally get their financial life in order Support CavnessHR 

Help Fix HR for Small Businesses CavnessHR is building an AI-native HR system for small businesses with 49 or fewer employees. Automation + a dedicated HR Business Partner  built to save small businesses time, money, and stress. 

Here’s how you can support the mission:

 💸 Invest in CavnessHR on Wefunder Be early. Own equity. Help us rebuild the future of small business HR. https://wefunder.com/cavnesshr

 📚 Download 7 Free eBooks based on The Jason Cavness Experience Leadership, startups, AI, growth, and more. https://www.buildcavnesshr.com/ebooks

🤝 Join the CavnessHR Builders Club Exclusive updates, early access, community, and product influence. https://www.buildcavnesshr.com/

Connect with Tierrá Bonds & Take Charge Text for a free credit game plan: 206-971-1269 (text “Jason”)

Email: tierrabonds@takechargecc.com

Website: https://www.takechargecc.com South Seattle Emerald Article: https://www.southseattleemerald.com (search her name)

 B.O.B.E Symposium info: https://bobewa.org