I’m Tearra Spencer — a nurse by training, a caregiver by calling, and a financial strategist by divine assignment. I’m also the founder of Impactful Financial Solutions and the creator of the Royal Impact Code™, a values-based financial system built to help overworked nurses and caregivers turn their income into freedom, legacy, and wealth.

Before I ever helped others steward their money, I was drowning in my own. Long shifts, overtime hours, and good intentions still left me in cycles of debt and exhaustion. I was doing everything “right” — but nothing felt free. That’s when I realized: the answer wasn’t to work harder, it was to steward wiser.

I began studying financial literacy like my life depended on it — because in many ways, it did. I learned how to budget based on my values, not just my bills. I discovered how whole life insurance could be used not just for protection, but for wealth. And most importantly, I learned that financial freedom isn’t about hustle — it’s about alignment.

That’s why I built Impactful Financial Solutions — to help other nurses and caregivers stop surviving and start building. I don’t just teach numbers. I help you:

*Uncover hidden cash leaks

*Align your spending with your purpose

*Leverage tools like whole life insurance and values-based budgeting to build real, sustainable wealth

My mission is to equip you with the mindset, strategy, and systems to reclaim your time, multiply your money, and fund the future you were created for — without burning yourself out in the process.

Because you weren’t made to just make a living. You were made to make impact.