Dear Bernadebt Joy

In this final episode of the Crush Your Money Goals podcast, Bernadette Joy and Stefanie Gonzales reflect on key moments from Season 7, “Quit with Conviction.” They discuss standout episodes featuring guests like Erin from Hello Divorce and George Kamel, highlighting the personal growth and lessons learned from these conversations. Listeners are encouraged to embrace the power of quitting with purpose as they announce the end of the podcast and express gratitude to the audience for their support throughout the journey. In this episode, you will learn the following : How to quit with confidence and purpose Lessons from navigating divorce The importance of taking a sabbatical before quitting  Managing career transitions thoughtfully Overcoming biases in personal and professional life Balancing financial freedom with life choices Acknowledging the power of intentional decision-making  Episode Timeline: [00:00:00] - Introduction to Season Finale [00:01:09] - Highlighting Favorite Guests [00:04:40] - Lessons from the Divorce Episode [00:07:30] - Reflecting on Biases and Growth [00:11:10] - Embracing Sabbaticals and Quitting Mindfully [00:17:30] - Personal Growth and Freedom [00:33:09] - Shifts in Business Focus [00:39:20] - Closing Remarks and Farewell Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide

In this episode of Crush Your Money Goals, Bernadette Joy and Stefanie sit down with Shang, the inspiring force behind Save My Cents. Shang shares her journey to financial independence by age 31, her frugal yet joyful approach to life, and the powerful intersection of mental health and financial wellness. Recorded live from FinCon, this conversation is a must-listen for ambitious women who aspire to break free from the corporate grind, embrace frugality, and achieve financial independence with confidence. In this episode, you will learn the following : Frugality and how it can be a joyful choice rather than a sacrifice The intersection of mental health and financial wellness Living a fulfilling life while being frugal in high-cost areas like Manhattan Addressing mental health as part of financial planning The role of therapy in Shang's financial and personal journey Handling online negativity and maintaining a positive outlook The importance of having aligned financial goals with a partner Episode Timeline: [00:03:06] - Journey to financial independence [00:05:33] - Intersection of joy, mental health, and financial literacy [00:06:29] - Frugal lifestyle and the misconceptions about frugality [00:11:21] - Making life decisions and the flexibility of those choices [00:16:09] - Prioritizing mental health and seeking therapy. [00:18:14] - Handling online trolls and how to maintain her mental health [00:21:08] - Navigating life and finances with a significant other. [00:24:27] - Upcoming book on mental health and money. Learn more about Shang Saavedra:  Website: https://savemycents.com/ Instagram: https://www.instagram.com/savemycents/ Linktree: https://linktr.ee/savemycents Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide

In this episode of Crush Your Money Goals, Bernadette Joy and Stefanie welcome Fernanda, also known as the Relentless Latina, to share her inspiring journey from a struggling engineer to a six-figure investor. As a first-generation immigrant from Mexico, Fernanda reveals the challenges she faced, from workplace discrimination to chronic stress, and how she ultimately transformed her life by quitting toxic environments and embracing her worth. This episode is a must-listen for anyone who wants to learn how to build wealth, especially if you've been hesitant about investing or felt underappreciated in your career. In this episode, you will learn the following : Career challenges, such workplace discrimination and chronic stress. Mindset shifts necessary for career growth and financial independence. Importance of investing and how it transformed Fernanda's approach to money. Fernanda's passion for empowering Latinas to achieve financial independence. Setting workplace and business boundaries to protect mental health and well-being. Episode Timeline: [00:02:07] - Fernanda's immigrant background from Mexico and her mission with Relentless Latina. [00:07:47] - Turning point: quitting toxic job and embracing worth [00:09:34] - Mindset shifts around gratitude and claiming worth in the workplace [00:15:20] - Career pivot to project management and the success that followed [00:24:30] - The role of investing in financial independence journey [00:32:18] - Setting boundaries while balancing a 9-to-5 job and side business [00:35:02] - Making decisions that feel right for her health and well-being [00:36:25] - Regularly checking in on boundaries as you grow professionally and personally Learn more about Fernanda: Website: https://relentlesslatina.com/ Instagram: https://www.instagram.com/relentless.latina/ Threads: https://www.threads.net/@relentless.latina Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide

Imagine almost missing out on an eye-opening conversation because of preconceived notions! In  this episode, Bernadette Joy and Stefanie sit down with George Kamel, a Dave Ramsey personality, to discuss financial independence from a fresh perspective. George shares his journey from being a debt-ridden millennial to achieving millionaire status, discussing the importance of learning from diverse perspectives, unlearning toxic money habits, and embracing intentional financial management. In this episode, you will learn the following : Unlearning harmful beliefs like the need for credit scores and glorifying debt Transitioning from a "YOLO" (You Only Live Once) mindset to "JOMO" (Joy of Missing Out) Dealing with social spending pressures and setting boundaries with friends The difference between job hopping for financial gain and building long-term career stability Addressing common objections to the baby steps and proving their timeless effectiveness. The concept of "enough" and the struggle to find contentment while remaining driven. Episode Timeline: [00:01:48] - Immigrant values and financial beliefs. [00:05:18] -  Unlearning toxic money habits and embracing budgeting. [00:12:29] - Social pressures, setting boundaries with friends [00:15:43] - Benefits of deep-rooted career development. [00:19:13] - Advocating for oneself, and overcoming financial challenges in toxic situations. [00:24:10] - Defining “enough” and the challenges of being present. [00:29:24] - Hope versus cynicism Learn more about George Kamel: Instagram: https://www.instagram.com/georgekamel/ YouTube: https://www.youtube.com/@GeorgeKamel Website: https://www.ramseysolutions.com/george-kamel Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide

Can fear become your unexpected ally? Join us for an insightful conversation with the phenomenal Farnoosh Torabi, author of "A Healthy State of Panic!" as we explore how fear can be transformed from a stumbling block into a guiding force. Alongside Bernadette and Stefanie, Farnoosh shares insights on how embracing fear can lead to more authentic and well-prepared life transitions. In this episode, you will learn the following : Embracing fear as a guiding tool rather than bulldozing through it. Impact of social media on career and personal life choices. Importance of carving one's own path and pursuing genuine interests. Benefits of personalized attention, networking, and higher profit margins in workshops. The balance between transparency and maintaining personal boundaries, especially in financial matters. The delicate balance of financial transparency and protecting one's financial privacy. Episode Timeline: [00:00:27] - Overcoming Fear and Taking Risks  [00:03:36] - Importance of Balance in Book Launches  [00:11:48] - Overcoming Fear of Missing Out  [00:17:13] - Book Workshop vs. Online Course Strategy  [00:18:48] - Navigating Transparency and Boundaries  [00:25:19] - Authenticity, Privacy, and Financial Boundaries  [00:30:30] - Utilizing Stand Up Comedy for TikTok  Learn more about Farnoosh Torabi:  Website: https://farnoosh.tv/ YouTube: https://www.youtube.com/user/narfoosh Instagram: https://www.instagram.com/farnooshtorabi/ A Healthy State of Panic! Book: https://ahealthystateofpanic.com/ Podcast: https://podcast.farnoosh.tv/ Facebook: https://www.facebook.com/FarnooshTorabi/ Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide

In this episode of Crush Your Money Goals, we welcome Erin Levine, the founder of Hello Divorce, to discuss strategies for navigating divorce with confidence and financial independence. Explore the rise of “gray divorces” and the financial challenges women face post-divorce, highlighting the resources and support offered by Hello Divorce, including mediation, legal assistance and financial planning. Erin shares her journey from the legal field to creating a platform that empowers women, providing valuable insights into prenuptial and postnuptial agreements and fostering financial literacy. In this episode, you will learn the following : How to navigate the divorce process confidently and emerge financially stronger. Rising trend of divorces among seniors and the specific strategies needed to protect wealth and emotional well being during this phase. Systemic and cultural barriers that contribute to financial disparity for women post-divorce and strategies to overcome them. Benefits of mediation as a cost-effective and less contentious alternative to traditional court battles.   Detailed information on the resources provided by Hello Divorce, such as mediation, legal assistance, financial planning and tools to help manage co-parenting and property division. Significance of prenuptial and postnuptial agreements in safeguarding financial interests and ensuring financial stability, particularly for entrepreneurial couples. The importance of emotional readiness and seeking professional support from therapists or divorce coaches before initiating the divorce process. Episode Timeline: [00:03:25] - Rising Rates of Divorce [00:06:45] -  Challenges in Divorce Representation  [00:11:30] -  Empowering Women in FInancial Literacy  [00:19:06] -  Benefits of Divorce Mediation  [00:22:26] -  Redefining Perception of Divorce  [00:28:12] -  Marriage and Postnuptial Agreements  [00:31:52] -  Importance of Financial Awareness for Entrepreneurs  Learn more about Erin Levine: Website: https://hellodivorce.com/   Instagram: https://www.instagram.com/hellodivorce/?hl=en  LinkedIn: linkedin.com/in/erinlevine  Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide

In this episode of Crush Your Money Goals, we sit down with Anne Lester, the former Head of Retirement Solutions at JP Morgan Asset Management, to discuss her transformative journey from Wall Street to personal pilgrimage. Anne delves into her pioneering work on target date funds, offering practical financial advice for professional women navigating their 401(k)s and retirement planning. She also shares her personal experiences of leaving a high pressure career to pursue new passions, including a pilgrimage walk from Canterbury to Rome and writing her forthcoming book. In this episode, you will learn the following : How Anne revolutionized retirement savings with the creation of target date funds Common investment pitfalls and psychological traps Practical advice for professional women on navigating the complexities of 401(k)s and retirement planning Sharing personal financial struggles to foster greater emotional support and financial literacy within the financial services industry Strategies for achieving financial independence post career Anne's experience with continuous learning and staying professionally engaged  The challenges and uncertainties of transitioning from a structured corporate environment to a more flexible, self directed lifestyle Episode Timeline: [00:00:03] - Finding Inspiration in Personal Crisis [00:04:29] -  Understanding Target Date Funds [00:08:11] -  Reflecting on Career and Identity [00:10:34] -  Deciding to Retire at Career Peak [00:14:55] -  Financial Independence for Women [00:19:11] -  Strategic Plan for Financial Transition [00:23:14] -  Planning Future Tasks and Collaboration [00:30:08] -  Evolution of Writing Passion [00:37:29] -  Navigating Personal Growth and Decisions Learn more about Anne Lester: Website: annelester.com/  TikTok: tiktok.com/@savesmartwanne  Instagram: instagram.com/savesmartwanne Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide

Get ready for an exciting chat with Giovanna Gonzalez, aka Gigi or the First Gen Mentor! Learn about Gigi's big switch from a corporate gig in financial services to becoming a financial educator and advocate for Latinas. She opens up about leaving her steady job at Northern Trust to chase her passion for financial literacy, sparked by her viral TikTok success. They dive into the emotional rollercoaster Gigi went through, including how it affected her family and the tough times she faced while writing her best-selling book, "Cultura and Cash." The episode is all about quitting with confidence and embracing change to follow your dreams. In this episode, you will learn the following : Pursuing passion for financial literacy and career advocacy for Latinas Impact of quitting on Gigi's family dynamics Going viral on TikTok and gaining a big following Denial of outside compensation by her employer and the emotional response to it Intersection of personal brand identity and corporate restrictions Episode Timeline: [00:02:08] - Quitting a corporate career  [00:04:00] - TikTok and career pivot  [00:11:38] - Family dynamics and quitting  [00:14:20] - Writing "Cultura and Cash" [00:19:57] - Emotional challenges of presenting  [00:23:23] - Serving a Specific Audience. [00:27:27] - Embracing Latina Identity  [00:30:17] - Family Dynamics and Career Success  [00:36:08] - Supportive Influences  Learn more about Giovana Gonzales: Website: https://www.thefirstgenmentor.com/ LinkedIn: https://www.linkedin.com/in/giovannagonzalez/ Instagram: https://www.instagram.com/gigithefirstgenmentor/ Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide

In this episode of the "Crush Your Money Goals",  Bernadette Joy and Stefanie chat with Mandi Woodruff-Santos to discuss her journey from journalism to entrepreneurship. Mandi shares her experiences with career transitions, balancing work and family life, and empowering women of color through her podcast "Brown Ambition." Mandi talked about her key career moments, mindset and financial stability, and the challenges of authentic content creation.  In this episode, you will learn the following : Balancing entrepreneurship with motherhood and family life Challenges and rewards of being the breadwinner in her family Authenticity in content creation and staying true to oneself Engaging with audience through email, social media, and genuine interactions The importance of mindset and financial stability in pursuing career goals Navigating the demands of entrepreneurship and family life Episode Timeline: [00:02:29] - Mandi's career journey from journalism to marketing [00:09:53] - Fears and doubts women face when making career changes  [00:14:20] - Balancing work and family life  [00:21:11] - Anxiety around being the breadwinner & managing finances [00:24:30] - Authenticity in content creation. [00:26:33] - Building relationships with the audience  [00:28:18] - Consistency and partnership in podcasting  [00:35:14] - Balancing business and friendship [00:38:11] - Engagement and connection with the audience  Learn more about Mandi Woodruff-Santos:  Website: https://www.mandimoney.com/ LinkedIn: https://www.linkedin.com/in/mandiwoodruff/ Instagram: https://www.instagram.com/mandimoney/ TikTok: https://www.tiktok.com/@maaandimoney Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide

Join Bernadette Joy and Stefanie Gonzales for an inspiring conversation with Jannese, a trailblazing content creator and personal finance expert, as she shares her transformative journey and the incredible work she's spearheading with the Yo Quiero Dinero podcast. Discover how Jannese empowers people of color, particularly women, to overcome systemic obstacles and build wealth, while staying true to oneself and maintaining genuine connections. Dive into the unique financial challenges faced by the Latina community and get an exclusive glimpse into Jannese's forthcoming book, Financially Lit, packed with insights and actionable advice to help you crush your money goals and embrace change with confidence. In this episode, you will learn the following : How Jannese transitioned from feeling trapped in the American Dream to achieving true financial independence. Understand the mission behind Jannese's Yo Quiero Dinero podcast which aims to empower people of color, especially women, to overcome systemic financial barriers and build wealth. The significance of being authentic in your personal and professional life. Insights into the emotional aspects of leadership, including dealing with imposter syndrome and the importance of maintaining genuine connections with people. Concept of redefining success on your own terms.  Understanding what ‘enough' looks like for each individual and how financial security can provide the freedom to support loved ones without stress.  Specific financial challenges faced by the Latina community and the inspiration behind Jannese's comprehensive financial guide tailored for them. Episode Timeline:  [00:01:10] - Conference Connections and Changing Identities [00:06:21] - American Dream Scam [00:17:14] - Exploring Personal Boundaries in Creation [00:19:38] - Navigating Success With Ease [00:23:49] - Navigating Wealth and Financial Security [00:31:06] - Achieving Financial Independence Through Wealth Building [00:34:52] - Generational Success Through Lived Experiences [00:38:14] -  Diversifying Money Conversations in Publishing Learn more about Jannese and Yo Quiero Dinero LinkedIn: linkedin.com/in/jannese-t-974421151 Podcast: https://yoquierodineropodcast.com/  Book: https://financiallylitbook.com/  Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ Free Guide On My Top 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide

Join Bernadette Joy and Stefanie Gonzales in today's episode of the Crush Your Money Goals podcast as they discuss quitting corporate life for financial freedom and personal fulfillment. Dive into Stefanie's 15-year tech journey and its transformation, learn to navigate the challenges of leaving your job with grace and gain expert insights on wealth preservation and financial planning. Hear personal stories and diverse perspectives that highlight the unique paths to success and the importance of aligning work with core values. Be inspired to confidently embrace change and pursue a life of wealth and meaning beyond the 9 to 5 grind. In this episode, you will learn the following : How quitting a corporate job, especially after a long tenure in the tech industry can lead to an identity crisis but also pave the way for a purpose-driven, debt-free life with a millionaire mindset. The differences in work perceptions between the US and Europe. Importance of therapy and fiscal foresight when making life-altering career changes. How to quit gracefully, handle counteroffers, and pursue work that aligns with personal values. Personal finance is unique to each individual and it's acceptable to have differing financial philosophies. Emotional complexity of quitting, acknowledging the mourning process and adrenaline fatigue that can accompany major life changes. Practical tips and stories on how to activate hard-earned income, protect wealth, and take intentional steps towards financial independence and empowerment. Episode Timeline: [00:04:08] - Identity and Career at Dell Technologies [00:08:27] - Deciding to Leave for New Opportunity [00:11:30] - Challenges of Tech Startup Culture [00:16:01] - Navigating Corporate Expectations and Self Worth [00:19:31] - Courage to Quit and Stay [00:28:15] - Navigating New Podcast Interview Format Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: LinkedIn: linkedin.com/in/bernadebtjoy Twitter: https://twitter.com/bernadebtjoy” Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/978… Website: https://www.crushyourmoneygoals.com/ Free Guide For Top 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide

Can you believe it… we are at our Season 6 finale! In today's episode, Bernadette and I share with you our ANTI GOALS as we start planning for 2024.   That means we share with you the what and the how we will stop doing things that suck energy out of us. It's an annual practice that I came across and wanted to try in 2024 vs the standard “new years resolution.” Can you relate? We also added a twist into today's episode to make it fun and give YOU some insight into mine and Bernadette's lives… We both answered random questions from an interview deck, which was so fun to do! If you like this episode or better yet, if you found value out of this season and want to hear MORE from us next year, please leave us a review and let us know. We take your feedback seriously. How you can find Bernadette & Stef: Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide You can check out Bernadette's 2024 The 60-Day CRUSH Bootcamp: https://www.crushyourmoneygoals.com/ Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner  You can check out Stefanie's 2024 Women's Wealth INVESTING Effect program: www.womenswealtheffect.com Resources from today's episode:  Quit Like A Millionaire: https://www.amazon.com/Quit-Like-Millionaire-Gimmicks-Required/dp/0525538690

We are coming to you LIVE from Fincon 2023 in New Orleans where Bernadette and I interview our husbands!  We wanted to ask them questions about what it's been like to pursue Financial Independence, especially with two bad ass women! This was a really fun and REAL episode! Here Joseph and AJ talk about: Who introduced the concept of FI first How it feels to reach FI What it's like to pursue FI with kids And more! We hope you enjoyed this episode as much as we did! How you can find Bernadette & Stef: Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner  Resources from today's episode:  Follow Joseph (Stef's other half) on IG: https://www.instagram.com/coachjosephgonzales/ Follow AJ (Bernadette's other half) on IG: https://www.instagram.com/analogjoy_/

We are coming to you LIVE from Lisbon to talk about the work that Haley Bohon and Skillpop are doing to create learning experiences that are engaging, interactive and accessible.  As Haley and her team would put it, you shouldn't have to spend huge amounts of time or money to learn something new, so we make it simpler.  If you are a woman who is looking for community or are simply excited to hear 3 bad ass women talk about entrepreneurship, this episode is for you! How you can find Bernadette & Stef: Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner  Resources from today's episode:  Check out Skillpop & their classes! https://www.skillpop.com/

We are coming to you LIVE from Fincon 2023 in New Orleans & we are bringing a very special episode to you.  Welcome Dr. Mary Lou Maldonado, Stefanie's mom! Mary Lou recently turned 60 and as a gift to herself she got her Estate Plan established. We talk to her about why she felt this was important, her experience with her attorney and discussed why this body of work is so important to do for ALL WOMEN.  No matter if you have kids or not! How you can find Bernadette & Stef: Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner

We are coming to you LIVE from Fincon 2023 in New Orleans & we are talking about all things Women, Community and Masterminds. Bernadette & Stefanie had the opportunity to attend a Women In Money Mastermind this summer and we thought it would be a great idea to check in with some of the amazing women who attended.  We asked them what their biggest takeaways were from the Mastermind for their businesses and what the Women's Wealth Effect means to them. And of course, we break down what our thoughts were about our mastermind experiences to date & our takeaways as well! We hope you enjoy today's episode as much as we did and special thanks to Rachel, Miranda and Lauren who took time out of their busy Fincon schedules to be with us.  You can follow and support their businesses by checking out their websites in the Resources from today's episode section below.  How you can find Bernadette & Stef: Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner  Resources from today's episode:  Find Rachel Jimenez at https://moneyhackingmama.com/ Find Miranda Marquit at https://mirandamarquit.com/ Find Lauren Cobello at https://leveragewithmedia.com/

Today is a powerful episode about Life + Career + Money.  If you have been following me @womenswealtheffect on Instagram or on Linked In you have seen that since July 2023, I have hosted a monthly Career Effect Series.   I created this series because 3 out of 4 women do NOT feel comfortable talking about Career or Money at work.  SOOO that means we need to create space for these crucial conversations! Today I want to introduce to you Santana Inniss.  She came on to my Career Effect Series as a guest where she shared her personal + professional story, giving us the opportunity to see what is possible for each of us if we tap into a life aligned. Santana is a Master Certified flow & alignment coach who is absolutely obsessed with helping you clarify the life you dream of, identify what's in your way, and co-create the roadmap of aligned actions to get you there.   Join us today as Santana shares how her life journey led her to this point.   I was inspired and I'm sure you will be too! How you can find Bernadette & Stef: Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner  Resources from today's episode:  You can find Santana by checking out: https://www.flofoundations.com/ https://www.instagram.com/flofoundations/ https://www.linkedin.com/in/santanainniss/

Hi y'all, Stefanie coming to you solo today to talk about RSUs (Restricted Stock Units)! I personally leveraged RSUs to build around $200k of my networth and I want to make sure you know the ins and outs of how they work WAY EARLIER than I did.   Did you also know I left over $100k UN-vested when I left my job in 2022?  I'll share how having a PLAN for your RSUs helps aid in decisions such as this + share how this could be great scenario to test out when you fill out my independence planner.    I hope this episode helps you take advantage of your RSUs… or future awards! Today we cover: What RSUs are How RSUs actually work (vesting, taxes, etc) How RSUs can be used to build wealth Tips for how you can best manage your RSUs… aka have a plan and strategy. How you can find Bernadette & Stef: Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner  Resources from today's episode:  Common types of vesting schedules:  One-year cliff vesting: All of the RSUs vest at the end of the first year of employment. Three-year cliff vesting: All of the RSUs vest at the end of the third year of employment. Four-year cliff vesting: All of the RSUs vest at the end of the fourth year of employment. Back-loaded vesting: A larger percentage of the RSUs vest in the later years of the vesting schedule. For example, 50% of the RSUs might vest in the fourth year and 50% of the RSUs might vest in the fifth year. Performance-based vesting: A portion of the RSUs vests based on the employee's performance against certain goals. Companies may also use a combination of these vesting schedules. If you have questions about RSUs or Vesting schedules email Stefanie at womenswealtheffect@gmail.com

In this episode we come to you live from Fincon's first Women In Money conferences with the one and only Tanja Hester!   Tanja Hester, author of two award-winning books — Work Optional: Retire Early the Non-Penny-Pinching Way and Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change — is best known for retiring from her career at the age of 38, after watching her dad get forced into early retirement by his disability, which she inherited.  We focused the majority of our time talking with Tanja about her 2nd book, Wallet Activism, because we want you to know how to vote with your dollar… not just to make yourself feel good, but to make a real difference. How you can find Bernadette & Stef: Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner  Resources from today's episode:  You can find both of Tanja's books here: Work Optional: Retire Early the Non-Penny-Pinching Way Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change To receive $50 off Seeking Alpha + free 7 day trial: https://www.sahg6dtr.com/2LMRW6M/R74QP/

Bernadette and Stefanie are coming to you live from Lisbon, Portugal… talking about our experiences with Real Estate! We share all the tea on how we both significantly increased our net worth through real estate… and how we are now unapologetically renting as Millionaires.   We cover questions like: How real estate fit into our financial strategies (or didn't) The power of buying a home off of 1 income The unconventional approaches to real estate that we took How taking the emotion out of financial decisions has helped us The why behind our decisions to rent in this phase of our lives How you can find Bernadette & Stef: Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner  Resources from today's episode:  Stefanie's Debt Effectiveness Scenario Planner in the Kickstart Your Relationship With Money Free Mini Course: https://bit.ly/kickstartyourmoney To receive $50 off Seeking Alpha + free 7 day trial: https://www.sahg6dtr.com/2LMRW6M/R74QP/

Hola Hola everyone!  Stefanie here for her first solo episode… eek! In this episode, I let you in on how my life has been in massive transition since 2018 as we moved from Texas to Singapore, had two kids and started on an intentional path towards financial independence.  It was over this period that I had a real reckoning with what I wanted to do with my career… because I realised I wanted to do work more aligned to my purpose and values.   AND I walk you through the exact framework I used to map out my financial independence plan! Yep, that's right, the 9 specific steps & exact framework that you can download to follow along here at www.womenswealtheffect.com/planner.   I used this framework to map out how we were going to pay off $420k in debt, invest over $350k in 2021 and 2022, become millionaires in 2021 and how I was going to leave my multi 6 figure job… to help more women like you!   I cannot wait to hear what your Independence Planner reveals for you! And no matter what it says, I am here to support & cheer you on! How you can find Bernadette & Stef: Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner  Resources from today's episode:  Quit Like A Millionaire: BY KRISTY CHEN & BRYCE LEONG https://amzn.to/3ePoCeN Get Stefanie's Monthly Spending Tracker in her mini course: https://bit.ly/kickstartyourmoney The Trinity Study explained via Wikipedia: https://en.wikipedia.org/wiki/Trinity_study Automate your budget with Mint: https://mint.intuit.com/

We are so excited to introduce you to Janine Firpo, a values-aligned investor, angel investor, and social innovator. In 2017 she left her 35-year career in technology and international development to focus on how women can create a more just and equitable society through their financial investments. In 2018 Janine launched a club to help women invest all their assets – from cash to public equities to private investments – in ways that align with their values. AND she is the author of Activate Your Money. In this episode we explore:  How ESG investing (stock market) is performing better than the S&P500 Why women are better at investing What ESG investing actually is Why ESG investing isn't perfect How to use other asset classes to invest in efforts more aligned to your values  How to become a “constant learner” when it comes to money & investing What Investment Clubs are The power of Women working together to make investing more accessible! How you can find Bernadette & Stef: Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner  Resources from today's episode:  How to research the ESG rating for a Stock: https://www.asyousow.org/  Invest for Better Website: https://investforbetter.org/ Activate Your Money: https://www.amazon.com/Activate-Your-Money-Invest-Wealth/dp/1119777089 To receive $50 off Seeking Alpha + free 7 day trial: https://www.sahg6dtr.com/2LMRW6M/R74QP/

Welcome to the 6th season of the Crush Your Money Goals Podcast!   We… yes, that is right, WE are so glad you are here!   Bernadette introduces you to this season's co-host, Stefanie Gonzales, the Founder of The Women's Wealth Effect and they are coming to you from Lisbon, Portugal for this episode! We discuss how season 6 will be focused on the 4 pillars of the Women's Wealth Effect: Career, Investing, Health and Community. We hope you are as excited as we are! Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/ You can grab Bernadette's FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/ You can download Stefanie's FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner 

We did it! After five years of painstakingly managing our budget, growing our income, and paying down $300,000 of debt, my husband and I reached a goal I thought would take us at least another decade. We hit our FIRE number. This means we have enough money in investments to become work-optional, according to the calculation traditionally used by the FIRE (Financial Independence, Relax Early) movement. For us, our FIRE number equates to $900,000, which will generate enough income to cover basic living expenses of about $3,000 per month. If you're working toward financial independence, you should know that you will get there if you stay committed to your goals and investing strategy—even if you mess up a few times along the way, like I did. You should also know what happens next. In this episode, I share four unexpected things my husband and I are doing now that we've hit our FIRE number. It's the last episode of the podcast! I'm so grateful to you  for listening to this season of the podcast. I hope to see you on social media and at the Crush Your Money Goals bootcamp! Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals® that helps burned out professionals build their escape plans to financial independence, the same way she paid of $300K of debt and became a millionaire in her thirties. Ready to crush your money goals in 2023? Join my 2023 money saving challenge! 

Marie Matthews is a luxury residential Interior Designer based in Charlotte, North Carolina. She's also a Crush Your Money Goals ROCKSTAR who paid off over $30,000 of debt and left her day job to start her own design firm in 2022! In this episode, she shares three tips to refresh your home with a designer touch for 2023. She's one of my favorite humans on earth, you will learn so much from her! Follow her on instagram at https://www.instagram.com/mariematthewsinteriors/   Ready to crush your money goals in 2023? Join my 2023 money saving challenge! https://www.crushyourmoneygoals.com/freeguide  

You will reach more of your audience by incorporating accessibility with your online content and my guest and Crush Your Money Goals alum Laurie can help you get there!   Laurie Necasek is an expert on accessible solutions for digital content. She'll share her learning and development and psychology expertise to help your business be more accessible to more people in 2023! Grab her free guidebook: https://allaboutaccessibility.com/   Ready to crush your money goals in 2023? Join my 2023 money saving challenge! https://www.crushyourmoneygoals.com/freeguide  

Giovanna aka Gigi is financial educator and TikTok influencer featured on The New York Times, Mitu and Business Insider. She teaches financial literacy and career readiness at various organizations and on her TikTok account @thefirstgenmentor where she's built a community of almost 200,000. Her mission is to transform how First Gen, and other women of color, interact with money.  As a first gen mentor, she'll share tips to throw out bro-y, jargon-filled money advice that just doesn't apply to your diverse experience and provide you with real-world, culturally relevant money education that sets you up for financial success. Learn more at Visit www.thefirstgenmentor.com To grab her investing course: use code FIRSTGEN10 for 10% off investing-for-first-generation-wealth-builders Ready to crush your money goals in 2023? Join my 2023 money saving challenge! https://www.crushyourmoneygoals.com/freeguide

Champagne taste on a beer budget? Crush Your Money Goals alum Marisa Wilson is sharing how you can decorate beautifully without breaking the bank. She also shares her big leap from non-profit world to the world of interior design and how you can (and should) take the leap into your dream job. Special Offer: Room Audit Email marisa@marisawilsoninteriors.com with the code CRUSHYOURMONEYGOALS and a photo of a room you want help with. She'll give you 3 suggestions to improve the space! To learn more about Marisa: https://www.marisawilsoninteriors.com/ Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals®, an academy that helps burned out professionals build their escape plans to financial independence, the same way she paid of $300K of debt and became a millionaire in her thirties. Want 30 resources to start crushing your money goals in the new year? Grab the free guide here: https://www.crushyourmoneygoals.com/freeguide Check out more about our sponsor Steadily here: https://www.steadily.com/

Self-care is necessary and brave AF! Meet Carla Carlisle, one of my favorite Crush Your Money Goals alum who paid off six figures of debt in our work together! Carla, now a Tedx Speaker and author, became educated on how so many people live life in survival mode. The decade-long journey to motherhood recreated her and inspired her to focus on advocacy. She teaches caregivers to transform from living in hyper-vigilance mode to living a sustainable life as a woman and a person of substance. In this episode, we share her best nuggets of wisdom on how to juggle it all without losing yourself. To learn more how you can work with Carla, visit https://carlaacarlisle.com/. Check out more about our sponsor Steadily here: https://www.steadily.com/ Ready to crush your money goals like Carla did? Grab my free guide of 30 resources I personally curated for you! https://www.crushyourmoneygoals.com/freeguide

Meet Stef (she/her/hers), Career Coach and digital creator who helps career women build wealth! She's a Latina Millionaire who paid off $420k debt, and my Instagram friend turned real life friend! She's #goals because she was able to leave the US with her family of 4 and make a financially independent life abroad! You won't want to miss the gems that she drops on this episode!   Follow Stef on Instagram: https://www.instagram.com/womenswealtheffect/   Ready to crush your money goals? Grab my free guide of 30 resources I personally curated for you! https://www.crushyourmoneygoals.com/freeguide

This episode was a huge milestone for me. It was the first time I got on stage in front of 1,500 OTHER personal finance experts to school them about… money. I have never been so nervous in my life! But here's feedback I got from one of my favorite podcast hosts: “Oh my god @bernadebtjoy inject this energy in my veins!!! This woman's talk just straight up changed my wife's life. I cannot wait to see this growth and FLOW! Forever grateful.” -Justin Brown-Woods, Co-host of Price of Avocado Toast Listen in to the 4 truths about your money goals (that even money experts needed to hear) I'm doing a YouTube Premiere of the full video from FinCon tonight at 8PM ET! Join us for the live (20 minute) watch party! https://youtu.be/9if6m3BJERM

Rental properties are a popular investment tool on the way to financial freedom, but owning and maintaining rental properties are two very different things.    In this episode, I share 4 ways that being a landlord can be more expensive than you might be ready for. I also interview Adam, the SVP of Growth & Partnerships at Steadily, who uses technology to help landlords and real estate investors get fast and affordable insurance for any property type.   I'm pumped to partner with Adam and Steadily as our podcast sponsor to give away $10K (wahoo!)

According to a 2021 Fidelity study, 40% of caregivers have experienced financial setbacks due to their responsibilities.  In this episode, I share my experiences as a first-generation Filipina American constantly at odds with my family culture. I hope you can use some of my suggestions to help your parents financially more smoothly than I have, and to give yourself some grace for doing the best that you can. Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals®, an academy that helps burned out professionals build their escape plans to financial independence, the same way she paid of $300K of debt and became a millionaire in her thirties. Want 30 resources to start crushing your money goals? Grab the free guide here: https://www.crushyourmoneygoals.com/freeguide  

I learned that if I completely deprived myself of everything I enjoyed spending my money on, staying on my debt-free journey to millionaire status was not going to last very long.    Finding the balance between living your best life and paying down soul-sucking debt like student loans is personal, but these three spending rules helped avoid the spending shame spirals and encouraged me to pay down debt faster.   Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals®, an academy that helps burned out professionals build their escape plans to financial independence, the same way she paid of $300K of debt and became a millionaire in her thirties.   Want 30 resources to start crushing your money goals? Grab the free guide here: https://www.crushyourmoneygoals.com/freeguide  

If you've made big money mistakes  before, it's never too late to recover from them! The beauty about money is that even when you lose it, there's plenty more to be made.    In this episode, I discuss the 4 major money mistakes I wish I avoided, and how you can avoid them yourself (or what to do if you've already made them).   Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals®, an academy that helps burned out professionals build their escape plans to financial independence, the same way she paid of $300K of debt and became a millionaire in her thirties.   Want 30 resources to start crushing your money goals? Grab the free guide here: https://www.crushyourmoneygoals.com/freeguide

It's the last episode of this season! Thanks to all of you who have listened this far. Here we talk about dealing with the loss of my Dad, what my existential crisis is looking like and how you can level up to crush your money goals now.   To learn more visit crushyourmoneygoals.com!

Race and wealth are uncomfortably interrelated and in this episode Bernadette Joy shares her practical tips to build wealth in BIPOC communities and why it matters for all of us.    To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!

Meet Bernadette’s better half AJ as he shares his own take on audience asked questions from his unfiltered experience and point of view. Learn how they downsized to one car, combined finances and dealt with managing money with big differences in incomes as a married couple.   To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!  

The answer is yes because AJ and I just crossed over our first $1M of net worth, so it's possible! But there's a big IF. You can only build wealth if you're willing to put a plan together and change the way you manage your money. In this episode, I'll share with you the four steps I took to fix my money flow and how you can use these steps to turn your money mess into financial success!   To join Bernadette's newest 30 day program, visit crushyourmoneygoals.com/opt-in

Fair warning, this advice is not for everyone. Having a roof over her head that didn’t have rent or a mortgage attached was A GAME CHANGER not only in money, but marriage, business and confidence for Bernadette Joy. She shares how and why she decided to ignore the advice of everyone around her and pay off her house by age 34.    To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!

Bernadette Joy will never shame you on spending on what you love. What are strategies to curb your spending and how can I still support businesses you love? In this episode, she shares why she doesn’t listen to penny pinching advice and shows you how you can spend on whatever it is you want without guilt [and not go broke]. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!

Bernadette Joy answers three most common questions:  How can I be more disciplined in saving?  What are the best tools for saving and investing?  Should I change my investing strategy during a crazy time [like a global pandemic]?  Her answers are probably not what you would expect. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!

  In honor of Women's History Month, Bernadette Joy is teaming up with Pink Mentor Network and Lauren Ansley Comedy Productions to talk about solutions for money, mentorship and morale for women in Corporate!   In this episode, Bernadette gives a sneak peak fit the big event by giving her three tips for negotiating your salary as a woman.   To sign up: https://www.eventbrite.com/e/the-future-of-women-in-corporate-dont-let-history-repeat-itself-tickets-140529478453   To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!

Bernadette Joy doesn’t shy away from being contrarian and figured out these two things that most people care about are what was stopping her from becoming wealthy: credit cards and other people’s opinions. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!

This question is totally contested by personal finance experts. Bernadette Joy shares her personal experience of how she not only paid off $300,000 of debt but how she and her husband became avid investors on their way to their first $1M of net worth in their thirties. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!

Welcome to a new season of Dear Bernadebt Joy presented by Crush Your Money GoalsⓇ! Our founder Bernadette Joy is answering real audience questions from all over the world!  In this episode, she answers important questions during this pandemic:  What are your strategies in coping with money stress?  How can I be more mindful about my spending when I lost my income due to COVID-19? To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!

Welcome to the first episode of UNDRESSED! In this series, I'll share what I've learned from starting and more importantly closing, my first business DRESSED and also introduce some business friends I've met along the way as we talk about what it's like to be an entrepreneur and the mistakes we've learned that you can learn from, too! And to learn more about Bernadette's $1M to help millennial professionals crush their goals in life and money visit crushyourmoneygoals.com

It's our next episode of UNDRESSED! I chat with my favorite local photographers Ray & Christy of Mnemosyne Studio and uncover: Photography tips for anyone with a small business What we learned about having women as customers Failing your first time around and still grow your business doing what you love Ray & Christy are not just as small business owners but genuinely kind human beings, and can't wait for you to have some of their gems of wisdom! To learn more about Mnemosyne Studio visit: https://www.mnemosynestudio.com/ https://www.facebook.com/mnemosynepho... https://www.instagram.com/mnemosyneph... And to learn more about Bernadette's $1M to help millennial professionals crush their goals in life and money visit crushyourmoneygoals.com

It's another episode of UNDRESSED! What happens when you actually grow a brand that's worth a lot of value? You need to protect it of course! I chat with my friend and legal expert Carla Clements on how you protect your brand legally and the ups and downs of being a boss babe attorney and a new mom. To learn more about protecting your brand: https://www.wagnerhicks.law/ And to join Bernadette's $1M mission to help professional millennials crush their goals in life and money, visit crushyourmoneygoals.com

Should I have done a franchise instead of opening my own business? I absolutely loved this conversation with Lauren Cantor who coaches potential franchise owners on what it means to be in business for yourself, but not by yourself. We talk about how she bought her own franchise after being laid off in her fifties, what it's like to be a reinvented baby boomer and who is NOT a good fit for being a small business owner. To learn more about Lauren, visit https://lcantor.esourcecoach.com/ And to learn more about Bernadette's $1M mission to help professional millennials crush their goals in life and money, visit crushyourmoneygoals.com

Closing my business when I knew it was the right decision was the easy part. Having to answer people's questions as to what I planned to do next with my life was the hard part. In this video, I talk about what it was like to close my business publicly and how I answered family, friends and strangers on that question - "So what are you doing now?" To learn more about my $1M mission to empower millennial professionals to crush their goals in life and money visit crushyourmoneygoals.com!