Podcast appearances and mentions of bernadette joy

Send us a textOn this episode of The Get Ready Money Podcast, I spoke with Bernadette Joy, Author, Podcaster and Founder of Crush Your Money Goals about changing the way we think about money, health and financial independence. In this episode we discussed:Retirement means prioritizing your peace.We all deserve financial independence and have free choice. Curate your money, know what you have.Wealth is meaningless if you're not healthy.How to get started when you're overwhelmed.Healing our money wounds helps us not be vulnerable to poor financial decisions.Connect with Bernadette Joy: Website (here)LinkedIn (here)Instagram (here)YouTube (here) Books: CRUSH Your Money Goals: 25 Smart Money Habits to Save, Invest, and Fast-Track Your Financial Freedom (Amazon) (Bookshop)Podcast:Crush Your Money Goals: https://www.youtube.com/playlist?list=PLxrqq4GlBuqLk9xUMHD7hsFkBzZFDCybeFreebies:FREE GUIDE: 10 Money Tools You NeedResources mentioned:Fincon: The Business Event For Money Creators (here)Monarch - The all-in-one money platform (here)Ramit Sethi (here) Wellthplan - Stevyn Guinnip (here)What Is the Pareto Principle—aka the Pareto Rule or 80/20 Rule? (Investopedia)Bio: Bernadette Joy is an author, podcaster and CEO of Crush Your Money Goals®, a personal finance training company serving up education with a side of pizzazz. She's featured monthly in Forbes, CNBC, and CNET and appeared on more than 30 podcasts, radio and television shows. As the eighth child in her father's brood of nine and a first-gen Filipina-American, Bernadette understands those who feel like they missed the money memo. Sure, she boasts two bachelors and a master's, and a decade of Fortune 100 and startup experience. But her real street cred? Paying off a jaw-dropping $300,000 of debt in three years and investing her first $1 million in her 30s! Now she works 20 hours a week to focus her financial freedom on joy: K-Pop, yoga, karaoke and spoiling her nieces and nephews as their traveling rich auntie. Today she shares strategies so simple, your pet goldfish could understand.  She's coached thousands nationwide, sharing her 5-step secret recipe for ditching debt, mastering savings and investing for financial peace. Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

If you think you're ready to take the plunge but feel overwhelmed by rising costs and the competitive landscape of the housing market, this episode is for you. In the second episode of our special series, “Buying a Home in 2025: Navigating the Crunch,” we'll hear from a woman who recently closed on a house in Virginia. Host Ariana Aspuru will be joined by Wall Street Journal reporter Veronica Dagher and financial coach Bernadette Joy to discuss the steps you can take to prepare, whether as a buyer or a seller: what's in your control, what isn't, and other unexpected expenses.  If you missed episode one, listen here. The final episode of our series airs next Sunday.    Sign up for the WSJ's free Markets A.M. newsletter.  Further reading:  Home Sales Rose 4.2% in February, Beating Expectations  If You Want to Buy a House, First Figure Out All the Hidden Costs  Home Buyers Start to Come Off Sidelines Even as Rates, Prices Stay Stuck - WSJ  Learn more about your ad choices. Visit megaphone.fm/adchoices

Get ready for an exciting conversation with the financial expert, Bernadette Joy! She's the host of the podcast 'Bernadebtjoy' and the author of 'Crush Your Money Goal'. And guess what? She paid off her 6-figure debt in just 3 years!Join us as Bernadette Joy and our host, Shawn Anthony, dive into the habits, beliefs, and mindsets that are holding you back from financial freedom.Bernadette says, 'The point of money is to buy joy. Anyone who tells you that money can't buy happiness is trying to trick you into staying poor.'We've got a lot more to share in this episode, so stay tuned!Follow Bernadette Joy

I’ll take an Uber Eats order with a side of guilt, please. Actually, hold that because according to millionaire mentor Bernadette Joy y’all should stop feeling bad about ordering food if you’re simply conserving energy. Honey, we’re booked and busy so if your money habits are in service of your wealth, health or mental wellbeing, what’s the problem?! BernaDEBT is a nationally recognized finance expert who personally paid off over 300 thousand dollars in three years. As the author and founder of CRUSH Your Money Goals, Bernadette Joy is here to give us tips on how to get out of the holes we dig ourselves into. Grab a shovel because the work starts now! This series was created in partnership with Flourish Ventures, an early-stage global investment firm backing mission-driven entrepreneurs and industry influencers working toward a fair financial system for all. Learn more at flourishventures.com. Stay up to date with us on Twitter, Facebook, and Instagram at @LemonadaMedia. You can keep up with Bernadette Joy @Bernadebtjoy on Instagram. Joining Lemonada Premium is a great way to support our show and get bonus content. Subscribe today at bit.ly/lemonadapremium. See omnystudio.com/listener for privacy information.

From $300K in Debt to Seven Figures: Bernadette Joy's Inspiring Money StoryThis week on The Note Closers Show, we were thrilled to have Bernadette Joy, a best-selling author and inspiring finance expert, share her incredible journey from crushing over $300,000 in debt to building a seven-figure net worth. Bernadette's story is a testament to the power of perseverance, strategic planning, and a dash of humor—because who doesn't need a laugh when battling debt?Her path to financial freedom wasn't a straight line. After graduating with three degrees (two in business and one in psychology!), Bernadette found herself drowning in student loan debt and credit card balances. She tried various debt repayment strategies, finding that the "debt snowball" resonated most with her—but not without some humorous bumps along the way.Key Takeaways from Bernadette's Financial Journey:The Power of the Debt Snowball: Bernadette's journey started with the debt snowball method, paying off the smallest debts first to build momentum and stay motivated. However, she later discovered the importance of finding a method that worked best for her.The $1 Rule: This unique approach focuses on making intentional spending decisions. If an item costs $1 or less per use, then you buy it. This helps avoid the endless analysis paralysis that can prevent progress. It's a clever way to reward yourself while maintaining a budget!Financial Literacy: Bernadette emphasizes the importance of financial education. She warns against accepting generic advice and stresses the need to adapt strategies to your unique circumstances and personality. Mental Health Matters: Bernadette highlights the emotional toll of debt and the importance of prioritizing mental and physical well-being. She emphasizes taking breaks, celebrating successes, and not allowing financial struggles to consume your life.Seek Your Own Path: There's no one-size-fits-all approach to financial success. Bernadette encourages everyone to find the strategies that work for them, embracing their unique circumstances and values.Humor and Relatable Moments:Bernadette's interview was filled with candid anecdotes, humor, and relatable stories. She shared her struggles with debt, her initial resistance to embracing the debt snowball method, her frustration with overly simplistic financial advice, and the importance of prioritizing mental health while pursuing financial goals. Her story is honest, vulnerable, and deeply inspiring.Her unique "$1 rule" is particularly clever, offering a simple yet effective way to manage discretionary spending. She emphasizes that while the debt snowball can be a great starting point, it's crucial to find the strategy that resonates best with your personality and circumstances. There's no need for endless spreadsheet analysis!Key Takeaways for Your Financial Journey:Embrace Education: Continuous learning is essential to navigate the complexities of personal finance.Find Your Own Path: There's no one-size-fits-all solution. Experiment, adapt, and find what works best for you.Prioritize Mental Health: Financial success isn't just about numbers; it's about overall well-being. Celebrate your wins, and don't be afraid to ask for help.Build a Support System: Surround yourself with a supportive community that can offer encouragement, guidance, and accountability.Bernadette Joy's inspiring journey proves that financial freedom is attainable with hard work, a well-defined plan, and a healthy dose of perseverance and humor. Her book, Crush Your Money Goals, offers practical strategies and valuable insights to help you achieve your financial dreams. Connect with Bernadette HERE!Watch the original VIDEO HERE!Book a call with Scott HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Sho

A testament to her own financial journey, Bernadette paid off $300,000 in debt by age 37 and achieved a net worth of $1 million in her 30s as a first-generation Filipina-American. Since launching her program, Crush Your Money Goals® in 2020, she has reached thousands of people nationwide, offering practical and engaging financial education. Featured on platforms like CNBC, ACCESS Hollywood, and Good Morning America, and recognized among The 25 Most Influential New Voices of Money, Bernadette blends her expertise with relatable fun in CRUSH Your Money Goals, proving that financial education can be enjoyable and accessible to all. Her book, CRUSH Your Money Goals delivers 25 actionable habits that make budgeting, saving, and investing easier, all while breaking free from debt.Enjoy our conversation!Instagram: @bernadebtjoyYouTube: @bernadebtjoyLinked In: @bernadebtjoyOk amigos, thank you so much for listening please rate and review this podcast so we can get more ears listening to these stories and can continue elevating la cultura. You can also comment on our YouTube video if you're watching online. I always like to hear from people and how they resonate with the stories I share. Enjoy the rest of the day/afternoon/evening whenever you're listening, y nos vemos next week! 

Send us a textJoin Angela Belford and Sami Kinnison as they chat with Bernadette Joy, a financial empowerment expert and angel investor. Together, they dive into overcoming the fear of self-promotion, crafting a life of financial independence, and pursuing joy through purpose-driven living. Whether you're a business owner, coach, or someone looking to crush their money goals, this episode will inspire you to step into your potential.Episode Description:In This Special Episode of Be Freaking AwesomeAngela and Sami sit down with Bernadette Joy to unpack the challenges of self-promotion and the myths around money and success. Bernadette shares her journey from corporate America to financial independence, and her mission to empower others to break free from money fears. This conversation explores navigating rejection, embracing creative hobbies, and redefining what financial freedom means for you.What You'll Learn in This Episode:How to overcome your fear of self-promotion and share your value unapologetically.Why rejection can be your best feedback tool for growth.The practical steps to achieve financial independence for your next endeavor.The importance of exploring hobbies and practicing retirement now.How to align your personal goals with your values and passions.Key Takeaways:Confidence in Self-Promotion: Why advocating for yourself is a skill you must develop.The Fine Number: Learn what it means to achieve Financial Independence for your Next Endeavor (FINE).Practicing Retirement Now: Start hobbies that bring you joy outside of work.The Power of No: Why honesty and integrity in business lead to long-term success.Freedom in Rejection: How rejection can sharpen your focus and clarify your goals.Resources Mentioned:Bernadette Joy's Website: CrushYourMoneyGoals.comFind Bernadette on Social Media: Instagram & YouTube: @BernadetteJoySpecial Offer: Want to crush your own money goals? Check out Bernadette Joy's book and courses at CrushYourMoneyGoals.com.Order Traveling Light wherever you get your books!Sign up at bfreakingawesome.com to get the latest news, insights, and episodes straight to your inbox.Follow Be Freaking Awesome on Facebook, LinkedIn, Youtube, and Instagram.Let us know what questions you want to be answered and discussed by emailing us at podcast@bfreakingawesome.com.

Today's guest is Bernadette joy. She's an author and fellow money coach helping folks crush their money goals. Bernadette shares her journey around mental wellness and money that ultimately led to her and her husband paying off $300,000 of debt! We have a great conversation about renting vs buying and the dangers of believing in one-size-fits-all narratives. Enjoy! In this episode, we chat about: The evolution of personal finance advice  Mental health struggles alongside financial struggles  Habit change vs. Consuming information   MENTIONED IN THIS EPISODE: Empowered Money Academy   CONNECT WITH TODAY'S GUEST:  As the eighth child in her father's brood of nine and a first-gen Filipina-American, Bernadette understands those who feel like they missed the money memo. She's also the CEO of Crush Your Money Goals®, a personal finance training company serving up education with a side of pizzazz. She's featured monthly in Forbes, CNBC, and CNET and appeared on more than 30 podcasts, radio and television shows. Sure, she boasts two bachelors and a master's, and a decade of Fortune 100 and startup experience. But her real street cred? Paying off a jaw-dropping $300,000 of debt in three years and investing her first $1 million in her 30s!

Bernadette Joy shares how financial literacy can transform lives—both personally and in business. She dives into the lessons she learned, the unconventional strategies that worked, and why balancing expenses and revenue is key for entrepreneurs. Rethink your money mindset and level up your financial game. Learn more about Bernadette Joy at: https://www.crushyourmoneygoals.com/ Like this video? Subscribe Now to Influencing Entrepreneurs on YouTube @nexagyeducation Listen to this interview at: Interested in learning about Cassmer Ward? Visit: www.nexagy.com

It's the 5th anniversary of The Purpose of Money Podcast. We're starting with a fantastic guest, Bernadette Joy--your Millionaire Mentor! Bernadette Joy is a financial powerhouse. She paid off $300,000 in debt in three years and grew her net worth to over $1 million in her 30s. As a first-generation Filipina, she's breaking barriers. Her educational platform, Crush Your Money Goals, helps leaders transform their finances and make boss money moves. In this episode, Bernadette, an expert contributor to Forbes, CNET, and CNBC, shares her journey and top tips for tackling debt, building wealth, and achieving financial freedom. Fun Fact: She is the eighth of her father's nine children and was raised in a humble and lively household. Get your hands on Bernadette Joy's book - CRUSH Your Money Goals: 25 Smart Money Habits to Save, Invest, and Fast-Track Your Financial Freedom Follow The Purpose of Money on Social Media Instagram: @thepurposeofmoney  Facebook Twitter: @purpose_money  Website Check out the full show notes here.

From over $300,000 in debt to a millionaire in just eight years?! No matter where you're at, it's never too late to get on the path to financial freedom. This entrepreneur is proof that a little discipline, frugality, and creativity can radically change your financial trajectory! Welcome back to the BiggerPockets Money podcast! Today, we're speaking with Bernadette Joy, founder of Crush Your Money Goals. In 2016, Bernadette had dug herself a six-figure hole—a combination of student loans, credit cards, and mortgages—simply by listening to bad money advice. But in just THREE years, she paid off all of her debt and has since built a net worth of $1.8 million! How did she create such an enormous swing in less than a decade? In this episode, she'll show you the exact steps she took so that YOU can do the same! Want to accelerate your journey to FIRE? Bernadette has all kinds of budgeting tips, debt paydown strategies, and side hustles that will help you reach your financial goals much faster. Stay tuned to learn how to wipe out your debt as quickly as possible, save for retirement, and even make an extra $100 a day alongside your nine-to-five job! In This Episode We Cover How Bernadette paid off $300,000 in debt in just THREE years Making an extra $100 a day with side hustles (while working a W2 job) The three-bucket, zero-based budget that balances frugality and freedom Using the “snowball” method to pay off student loan debt faster Whether you should keep a large cash position (or invest it!) How to manage financial anxiety on the road to financial independence And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Grab Scott's Book “Set for Life” Find an Investor-Friendly Agent in Your Area BiggerPockets Money 586 – Average Net Worth by Age (How Do You Compare?) Connect with Bernadette   (00:00) Intro (00:59) Getting Into $300K of Debt (04:52) The Zero-Based Budget (14:00) Starting Side Hustles (18:33) Making an Extra $100/Day (24:44) Bernadette's Portfolio (37:47) Connect with Bernadette! (39:16) Crush Your Money Goals! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-598 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

2025 is here—are you ready to make it your best year yet? In this episode, Dr. Jay explores how to reflect on the wins and challenges of last year, set goals that fit your unique life, and build habits that actually stick. Whether you're focused on improving your health, managing your finances, or growing personally, this episode is all about progress over perfection. Learn how to turn your big dreams into realistic, doable steps that lead to lasting change. Let's make this the year you thrive!Mentioned in this episode:-Atomic Habits Book: https://jamesclear.com/atomic-habits -Childfree Wealth Check-Up: https://childfreewealth.com/schedule-a-checkup/-CW Podcast - Book Club The Gap and The Gain: https://www.youtube.com/watch?v=BXIwh8rtaDc -The Childfree Guide to Life and Money by Dr. Jay Zigmont: https://childfreewealth.com/childfree-guide/-CW Article - Get your paperwork right, now! – Wills, Beneficiaries, Living Wills, POAs and more:  https://childfreewealth.com/resources/get-your-paperwork-right-now-wills-beneficiaries-living-wills-poas-and-more/-Free Will: https://freewill.com/-CW Podcast - Forced Adulting: https://youtu.be/_deRkBA8tBA-CW Podcast - Interview with Bernadette Joy: https://www.youtube.com/watch?v=3CCiVA54AQs-Woman's World Article - Questions for Aging Parents: https://www.womansworld.com/life/money/financial-planning-questions-for-aging-parents-CW Core Offering: https://childfreewealth.com/core-offering/ #NewYearBetterYou #2025Goals #ChildfreeLiving #FinancialPlanning #PersonalGrowth #LifeGoals The Childfree Wealth Podcast, hosted by Bri Conn and Dr. Jay Zigmont, CFP®, is a financial and lifestyle podcast that explores the unique perspectives and concerns of childfree individuals and couples. Like the show? Leave us a rating & review! If you want to join the conversation, email us at media@childfreewealth.com, follow Childfree Wealth® on social media, or visit our website www.childfreewealth.com! Join our newsletter HERE. Schedule a meeting with a Childfree Wealth Specialist® HERE. Instagram: @childfreewealth Facebook: @childfreewealth LinkedIn: @childfree-wealth YouTube: @ChildfreeWealthPodcast Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

Marc Kramer, host of the award winning The Best Business Minds, interviews Bernadette Joy author of "CRUSH Your Money Goals: 25 Smart Money Habits to Save, Invest, and Fast-Track Your Financial Freedom"

Hey BA fam! In this special edition of the BA QA, Mandi is joined by expert money coach Bernadette Joy. Bernadette shares her journey of overcoming debt, writing her book 'Crush Your Money Goals', and creating the Crush Club to help others navigate their financial paths. She joins Mandi with her expert advice to field listener questions about managing debt, credit scores, and the challenges of entrepreneurship.For more info, visit: https://www.crushyourmoneygoals.com/We want to hear from you! Drop us a note at brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.

Hey BA fam! In this special edition of the BA QA, Mandi is joined by expert money coach Bernadette Joy. Bernadette shares her journey of overcoming debt, writing her book 'Crush Your Money Goals', and creating the Crush Club to help others navigate their financial paths. She joins Mandi with her expert advice to field listener questions about managing debt, credit scores, and the challenges of entrepreneurship. For more info, visit: https://www.crushyourmoneygoals.com/ We want to hear from you! Drop us a note at brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast Learn more about your ad choices. Visit podcastchoices.com/adchoices

Household debt in this country is high — and getting higher. According to the Federal Reserve Bank of New York, it increased by $150 billion in the third quarter of this year alone. There are those carrying a lot of debt from student loans to credit cards to car and personal loans, but personal finance author and Charlotte resident Bernadette Joy says there is a way out.

Bernadette Joy is a self made millionaire, business owner, contact creator and author of Crush Your Money Goals: 25 Smart Money Habits to save, invest and fast-track your financial freedom released on December 10th 2024. We discuss how she paid off $300,000 in debt, started her business and became a self made millionaire with her husband. She has been seen on CNBC, Good Morning America among other outlets. Bernadette is one of the top voice in the financial literacy and personal finance space. She started her Crush Your Money Goals Program in 2020 assisting individuals with their finances. Bernadette can be found on Instagram at https://www.instagram.com/bernadettejoy Youtube: @Bernadebtjoy The podcast is sponsored by my business Bas Moreno Consulting providing financial education for people of color in the sandwich generation addressing the struggles of caregiving affecting their finances and mental health. For a free 25 minute consultation go to https://calendly.com/basmoreno/consultation Follow the podcast on Social Media: IG:https://www.instagram.com/TheSocialWorkRantsPodcast X: https://www.twitter.com/socialworkrants

What if you could crush $300K in debt, build a $1M net worth, and still have time for joy and balance?

Do you dream of conquering your financial goals and achieving true financial independence? In this episode, we're diving into five BIG mistakes people make along the way to financial glory with money coach Bernadette Joy, who paid off a staggering $300,000 in debt and locked in a work-optional life by age 40. Along the way, we'll explore the importance of managing your budget during the notoriously tricky holiday season, share actionable strategies to curate your accounts, and highlight the common mistakes that can derail even the best-laid financial plans. You'll also hear the wild story of Richard Whitaker, whose pursuit of a too-good-to-be-true 15.25% return serves as a cautionary tale for us all. Whether you're looking to tackle debt, sharpen your budget, or avoid financial scams, this episode is packed with insights to help you stack smarter. Episode Highlights Kicking off with weekend escapes, Monday blues, and a salute to the armed forces Nostalgic nods to Chitty Chitty Bang Bang Welcoming Bernadette Joy and diving into her inspiring journey to financial freedom Sharing personal stories and struggles that resonate with every money nerd Breaking through financial barriers on the path to independence Setting financial goals with inspiration from meeting Simone Biles Why comparing success stories can derail your progress The delicate dance between frugality and societal expectations Staying grounded amidst the curated realities of social media Avoiding the common mistake of giving unasked discounts Why accepting debt as a long-term lifestyle is a trap Choosing financial freedom over fear and hesitation The importance of diverse perspectives in your financial advisory team Preparing for the unexpected: Life events that test your financial foundation Exploring and questioning investment opportunities like Yield Wealth Understanding the gambler's mentality and how it can lead to downfall Practicing due diligence to avoid falling for scams Lessons learned from the downfall of Yield Wealth and how to protect yourself Announcements about upcoming events and opportunities to connect This episode is a mix of relatable stories, practical advice, and lessons learned the hard way. Tune in to start crushing your money goals and avoiding financial pitfalls—one smart decision at a time. FULL SHOW NOTES: https://stackingbenjamins.com/crush-your-2025-money-goals-bernadette-joy-1613 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Bernadette Joy is a renowned personal finance expert and the founder of Crush Your Money Goals®, a financial education platform established in 2020. She has empowered thousands across the United States with practical strategies to eliminate debt, enhance savings, and invest confidently, all aimed at achieving financial peace.In her personal journey, Bernadette successfully paid off $300,000 in debt within three years and accumulated her first $1 million in net worth during her thirties. As a first-generation Filipina American and the eighth of nine siblings, she brings a relatable and inspiring perspective to financial empowerment.Bernadette's expertise has been featured on platforms such as CNBC, Good Morning America, and Business Insider. She was also recognized among the 25 Most Influential New Voices of Money by NextAdvisor in partnership with Time.Expanding her mission to make financial education accessible and engaging, Bernadette authored "CRUSH Your Money Goals: 25 Smart Money Habits to Save, Invest, and Fast-Track Your Financial Freedom." Scheduled for release on December 10, 2024, the book introduces her C.R.U.S.H. methodology, offering readers actionable habits to transform their financial lives.For full episode show notes, visit here. Check out Bernadette's previous appearances on the episode here & here.My new book is officially available to buy! Order Financially Lit! Today!Want our merch? Get yours here!Check out this YQD™ Sponsor:BetterHelp—Professional support when you need it, at a fraction of the cost of in-person therapy. Get 10% off your first month with our sponsor: https://betterhelp.com/dinero Become a member at https://plus.acast.com/s/YoQuieroDinero. Hosted on Acast. See acast.com/privacy for more information.

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

Bernadette Joy Cruz Maulion is a first-gen Filipina-American joins the Journey To Launch podcast to share how she paid off $300,000 of debt in three years and invested her first $1 million in her 30s. Today, Bernadette works only 20 hours a week in order to focus her financial freedom on joy: K-Pop, yoga, karaoke and spoiling her nieces and nephews as their traveling rich auntie. She understands those who feel like they missed the money memo, and is dedicated to educating others on financial topics with strategies in a way so simple anyone can understand it. In this episode Bernadette shares:  Her experiences growing up in New York City as an immigrant child of Asian descent, emphasizing the pressure to excel academically and socially. How she had to make tough choices, such as saying no to friends' events and being honest about what she could afford, to achieve financial freedom. Why she and her husband sold their paid-off home and chose to rent instead Where she invests her money from real estate sales and rental income including high-yield savings, CDs, treasury bills 401k, IRAs, and real estate investment trusts.  The importance of being present in life's moments and embracing authenticity in both personal and professional aspects + more! Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Bernadette: Website: https://CrushYourMoneyGoals.com Instagram:@BernaDebtJoy Twitter: @BernaDebtJoy Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide Get The Budget Bootcamp for FREE

Career Changes and Tips To Crush Your Money Goals with Bernadette Joy (Replay) | Ep #139Meet Bernadette Joy, financial health activist and founder of Crush Your Money Goals.  Host and Career Coach Shannon Russell sits down with Bernadette to talk about how she went from a career in Human Resources to working in finance, fashion, and then landed herself in debt. She shares how she and her husband paid off their debt and now she teaches others how to live debt-free.  Listen to Bernadette's amazing second act success story on this Episode #139 of the Second Act Success Career Podcast. SHOW NOTEShttps://secondactsuccess.co/replay2024-------You belong in the Career Clarity Collective! Figuring out what you want in your career often feels like a full time job, BUT you don't have to do it alone! If you feel miserable at work and need a change, join like-minded women in this membership. You'll get access to group coaching, masterclasses, and community. https://secondactsuccess.co/membership Grab my FREE Level Up Career Journal to help you plan your next career move!https://secondactsuccess.co/careerchangeTAKE THE QUIZ!Is Now The Right Time To Change Careers? Take the Quiz! https://secondactsuccess.co/quizBook a FREE Discovery Call with host/career coach Shannon Russell - https://www.calendly.com/second-act-success/coaching-strategyLET'S CONNECT!Instagram - https://instagram.com/secondactsuccessFacebook - https://www.facebook.com/secondactsuccess.coTikTok - https://www.tiktok.com/@secondactsuccessAll the latest - https://secondactsuccess.co/linksFREE Resources - https://secondactsuccess.co/resources REVIEW & SUBSCRIBE THE PODCAST!

On the latest episode of The Get Ready Money Podcast, I spoke with Bernadette Joy, Chief Educator at Crush Your Money Goals about changing the way we think about money and how to crush our money goals. In this episode we discussed:The value of becoming who you want to be.How we can face our fears. The importance of taking the leap to do what you want. How we can break generational curses and build generational wealth. Bernadette Joy is the Chief Educator at Crush Your Money Goals. Bernadette Joy paid off $300,000 of debt in three years and built her first $1 million of net worth in her 30s as a first generation Filipina-American, the eighth of her father's nine kids!  After being tired of the stale and outdated money advice, she launched Crush Your Money Goals® in 2020, a money media company to serve up practical and fun educational content.  She's featured as a money expert on CNBC, Good Morning America and Business Insider. You can read her money tips in Forbes and as part of the Financial Expert Board for CNET.Connect with Bernadette Joy:WebsiteLinkedInInstagram

Bernadette Joy, the chief educator of Crash Your Money Goals, joins 'Forbes Talks,' to discuss tax filing tips to save entrepreneurs a significant amount of money.Stay ConnectedForbes newsletters: https://newsletters.editorial.forbes.comForbes on Facebook: http://fb.com/forbesForbes Video on Twitter: http://www.twitter.com/forbesForbes Video on Instagram: http://instagram.com/forbesMore From Forbes: http://forbes.comForbes covers the intersection of entrepreneurship, wealth, technology, business and lifestyle with a focus on people and success.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Do you desire to attain financial independence and prosperity? I will be revealing the key factors to help you achieve wealth and success in your journey. You will gain a deeper understanding of your total assets, purposeful financial planning, and emotional well-being. With these insights, you can work towards building substantial wealth and achieving your goals. My special guest is Bernadette JoyBernadette Joy  @bernadebtjoy  is a nationally recognized money coach who impressively paid off $300,000 of debt in just three years and built $1 million of investments by 37 years old. Named the top 25 new influencer voices in money by NextAdvisor in partnership with Time magazine, Bernadette brings a wealth of experience and wisdom to the table. Her practical approach to budgeting and commitment to being debt-free, combined with her continuous curiosity in financial efficiency, offers invaluable insights for individuals seeking financial freedom. With her relatable and down-to-earth style, Bernadette shares her journey and expertise, inspiring and empowering others to take control of their financial future. More of Bernadette: https://linkin.bio/bernadebtjoy //Free Guide: Get the free guide Ten Resources That Helped Me Become a Debt-Free Millionaire at CrushYourMoneyGoals.com/freeguide. This guide provides valuable resources and insights to help you achieve financial freedom. //Instagram: Connect with me on Instagram at @BernadetteJoy. Follow for valuable content, tips, and updates on financial empowerment and wealth-building strategies. //Recommended Book: Check out Happy Money by Ken Honda for practical and insightful advice on managing and improving your relationship with money. This book offers valuable perspectives on achieving financial happiness. //Recommended Book: Explore The 4-Hour Workweek by Tim Ferriss for actionable strategies on creating more freedom and efficiency in your work and personal life. This book provides valuable insights for optimizing productivity and achieving a better work-life balance. //Recipe: Try making Chicken Adobo, a delicious and easy-to-prepare Filipino dish. Find the recipe online and impress your guests with this flavorful and budget-friendly meal. Be sure to subscribe on iTunes, Spotify or wherever you listen to podcasts. THANK YOU FOR LISTENING! #BernadebtJoy #CRUSHYOURMONEYGOALS #WomenVoices #2024 #AboutThatWallet Continue to support the show by subscribing, sharing and leaving comments on your favorite platforms. This help others like yourself find me.   ________ AFFILIATES/SPONSORS: DISCLAIMER: these are sponsored links in which I get paid and you can benefit for being a listener to the podcast. Join the About That Wallet Newsletter! https://aboutthatwallet.com/newsletter -- DISCLAIMER: I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in this audio are for educational purposes only. You must do your own research and make the best choice for you.  Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments. If you need advice, please contact a qualified CPA, CFP, an attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Episode 228 --- Send in a voice message: https://podcasters.spotify.com/pod/show/aboutthatwallet/message Support this podcast: https://podcasters.spotify.com/pod/show/aboutthatwallet/support

What's the best safe withdrawal rate for your retirement plan? What the heck is a safe withdrawal rate? On today's special roundtable discussion, we dive into the deep end of this important topic: understanding what you're investing in, what different financial terms mean, and if they're important for you. We're thrilled to welcome our special guest, Bernadette Joy, to our roundtable panel. She's the force behind Crush Your Money Goals, a money media company to serve up fun and practical educational content. Our own OG joins her at the card table, along with Len Penzo, creator of the award-winning blog LenPenzo.com. In our second part of our discussion, sponsored by DepositAccounts.com, we dive into each of our roundtable contributor's favorite pieces of basic and advanced get-out-of-debt advice. Stay tuned for the next chapter in our year-long trivia contest. Doug brings the trivia suspense with an 'Ol Blue Eyes-infused trivia question. Will Bernadette keep Paula in the running for the year-end trophy, or will OG or Len put it out of reach? Listen and find out! FULL SHOW NOTES: https://www.stackingbenjamins.com/fri-roundtable-basic-vs-advanced-advice-1446 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Imagine having a rich auntie who can impart financial wisdom, help you pay off debt, and guide you towards building your wealth. Today, we have the privilege of chatting with Bernadette Joy, a renowned money expert, who is just that—a rich auntie—and she takes us on an incredible journey of her transition from a staggering $300,000 debt to a whopping $1 million net worth, all in her 30s. We take a peek into her tough journey, her slip-ups, and her money smarts, showing us how to wipe out debt, stash some cash, and invest with confidence.One of the most enlightening aspects we delve into is Bernadette's bold decision to close her business in 2019, right before the pandemic hit. It's a raw and honest conversation about the real essence of financial freedom and how it goes beyond just the number game—it's a whole emotional odyssey. We unpack the pressures of continually increasing net worth even at the point of financial freedom and discuss the role money plays in the pursuit of happiness, but without being a surefire recipe for joy.Transitioning from financial to physical well-being, Bernadette shares insights on how nutrition impacts mental and physical health. Always mindful of her missteps, Bernadette helps us understand how learning from our money mistakes is an essential part of the journey. Crush Your Money Goals WebsiteGet Bernadette Joy's Free Money GuideFollow Bernadette on Instagram: @berndebtjoyYou Might Like: Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build wealth!

EP 2684 Bernadette Joy told a story in Forbes that offers a way for many of you to double dip with a firm's permission. I'm sure many of you haven't thought of this as an option. Do you have questions about your job search? Schedule a Trusted Advisor call at my website, www.TheBigGameHunter.us/schedule. ABOUT JEFF ALTMAN, THE BIG GAME HUNTER People hire Jeff Altman, The Big Game Hunter to provide No BS Career Advice globally because he makes many things in peoples' careers easier. Those things can involve job search, hiring more effectively, managing and leading better, career transition, as well as advice about resolving workplace issues.  Schedule a discovery call at my website, www.TheBigGameHunter.us He is the host of “No BS Job Search Advice Radio,” the #1 podcast in iTunes for job search with over 2600 episodes. Website: https://www.TheBigGameHunter.us (schedule a paid coaching session, a free discovery call or ask questions using my Trusted Adviser Services) LinkedIn: https://www.linkedin.com/in/TheBigGameHunter Courses: https://www.TheBigGameHunter.us/courses Books and Guides: https://www.TheBigGameHunter.us/books Resume & LinkedIn Profile critiques www.TheBigGameHunter.us/critiques We grant permission for this post and others to be used on your website as long as a backlink is included to www.TheBigGameHunter.us and notice is provided that it is provided by Jeff Altman, The Big Game Hunter as an author or creator. Not acknowledging his work or providing a backlink to www.TheBigGameHunter.us makes you subject to a $1000 penalty which you proactively agree to pay. --- Support this podcast: https://podcasters.spotify.com/pod/show/nobsjobsearchadviceradio/support

EP 2638 Bernadette Joy told a story in Forbes that offers a way for many of you to double dip with a firm's permission. I'm sure many of you haven't thought of this as an option. Schedule a Trusted Adviser call at www.TheBigGameHunter.us/schedule so I can answer your job search questions. ABOUT JEFF ALTMAN, THE BIG GAME HUNTER People hire Jeff Altman, The Big Game Hunter to provide No BS Career Advice globally because he makes many things in peoples' career easier. Those things can involve job search, hiring more effectively, managing and leading better, career transition, as well as advice about resolving workplace issues.  Schedule a discovery call at my website, www.TheBigGameHunter.us He is the host of “No BS Job Search Advice Radio,” the #1 podcast in iTunes for job search with over 2600 episodes. Website: https://www.TheBigGameHunter.us (schedule a paid coaching session, a free discovery call or ask questions using my Trusted Adviser Services) LinkedIn: https://www.linkedin.com/in/TheBigGameHunter Courses: https://www.TheBigGameHunter.us/courses Resume & LinkedIn Profile critiques www.TheBigGameHunter.us/critiques We grant permission for this post and others to be used on your website as long as a backlink is included to www.TheBigGameHunter.us and notice is provided that it is provided by Jeff Altman, The Big Game Hunter as an author or creator. --- Support this podcast: https://podcasters.spotify.com/pod/show/nobsjobsearchadviceradio/support

Bernadette Joy is a nationally recognized money coach who paid off $300,000 of debt in 3 years and built $1M of investments by 37 years old. She was named one of the top 25 new influential voices in money by NextAdvisor in Partnership with TIME magazine. Bernadette's vision is to change the face of wealth in America. Her practical money tips have been featured on CNBC, MarketWatch, USA Today and TIME Magazine, and as a TV contributor for ABC's Good Morning America, CBS's The Doctors and Access Daily on NBC. Prior to her entrepreneurial career, she spent ten years in human resources at Fortune 100 companies and technology startups, that rounded out her strong ability to connect with large organizations. She earned both a Bachelors degree in Business Administration and a Bachelors degree in Psychology from Boston University, and her MBA degree from the University of North Carolina at Chapel Hill. website: https://www.crushyourmoneygoals.com/

Bernadette Joy Maulion, a first-generation Filipino-American determined to become financially independent, has confronted the reality of debt and legacy and faced pressure to pursue a traditional path while amassing her first million dollars of net worth through real estate. She is nationally recognized money coach and founder of Crush Your Money Goals paying off $300,000 of debt in three years and has built over a million in investments by 37 years old. Highlights: How Bernadette Joy Maulion achieved her first million dollars of net worth through real estate and primary residence investments. Strategies Bernadette employed to become debt free, including cutting spending, lifestyle changes, and renegotiating mortgages. How Bernadette has created a platform to educate and empower women to become financially independent and savvy investors. Connect with Monick:  Instagram : https://www.instagram.com/monickhalm/?hl=en  Linkedin: https://www.linkedin.com/in/monickpaulhalm Facebook: https://facebook.com/profile.php?id=100063481243125&_rdr Website: https://www.realestateinvestorgoddesses.com/ Connect with Bernadette: Website: crushyourmoneygoals.com Instagram: @bernadebtjoy Youtube: Bernadebtjoy

I am SO pumped after being part of PodFest2023 at the Renaissance SeaWorld in Orlando. Today I came home pumped after hearing Bernadette Joy a Financial Independence Coach talk about the topic - FLOW Your Worth! I hope to have her on the show in the future, but while I'm inspired and burning, here's a little bite-size snippet of what I learned! Follow Bernadette JoyTwitter: @BernadebtjoyI teach you to Crush Your Money Goals®️400+ students enrolledPaid off $300K debt in 3 yearsFollow Kristin HubbardIG: @meetkristinTwitter: @meetkristinCheck out Kristin online at http://meet-kristin.comCheck out Our DJ Rocks online at http://ourdjrocks.comFollow Our DJ RocksIG: @ourdjrocks

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! 

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/

Money Goals! From Debt to Teaching Financial Freedom with Bernadette Joy | Ep #34Craving financial independence? Bernadette Joy was $300,000 in debt including student loans and mortgages and paid it all off in a few short years. She is now a financial guru, self-made millionaire, and founder of Crush Your Money Goals. Bernadette followed her Filipino family's advice and got a secure job in HR, that she ultimately hated. She bounced around getting her masters and starting a business. When debt accumulated, Bernadette taught herself how to pay it off and now she teaches others how to find financial freedom through her business, podcast, and speaking engagements.  Listen to my interview with Bernadette Joy on the Second Act Success Podcast. ​​SHOW NOTES FOR THIS EPISODE:https://secondactsuccess.co/34CONNECT with Bernadette Joy:Website - https://www.crushyourmoneygoals.com/Podcast - https://podcasts.apple.com/us/podcast/crush-your-money-goals/id1422564669Instagram - https://www.instagram.com/bernadebtjoyFacebook - https://www.facebook.com/bernadebtjoy/Facebook -  https://www.linkedin.com/in/bernadebtjoy/REVIEW THE PODCAST:Your review would mean the world to us! REVIEW THE PODCAST. (https://podcasts.apple.com/us/podcast/second-act-success/id1617274364)WHAT'S YOUR SECOND ACT STORY?If you would like to share your story with our listeners or recommend a guest for the show, please fill out our Guest Application Form at https://bit.ly/SecondActSuccessGuest or email info@secondactsuccess.co.SHARE THE INSPIRATION:Share the podcast with friends to help spread the inspiration! secondactsuccess.co/podcast LEARN MORE AND SUBSCRIBE:To learn more about the show visit http://www.secondactsuccess.co, and please subscribe to the podcast so you don't miss an episode.LET'S CONNECT!Connect with our host Shannon Russell and the Second Act Success Team:Facebook | Instagram | Website Grab the FREE Second Act Blueprint to help on your journey to second act success. https://secondactsuccess.coInstagram - https://instagram.com/secondactsuccessFacebook - https://www.facebook.com/secondactsuccess.coAll the latest - https://linktr.ee/secondactsuccess ...

Learn how Bernadette Joy paid off a whopping $300,000 of debt in three years and grew her first $1 million of net worth in her thirties. She founded the Crush Your Money Goals® Academy for those overlooked and underestimated by traditional financial services.   Learn more about your ad choices. Visit megaphone.fm/adchoices

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  

Does even thinking about your biz bank account make your knees quake? You're not alone! Getting familiar with your numbers can help you take big leaps forward as an entrepreneur. That's why I invited Bernadette Joy, debt-free money coach, to talk about how you can move towards financial independence in your business (and what FI *really* means). Tune in to hear how she eliminated $300k in personal debt and turned her experience into a business helping others do the same. Plus, learn what "financial wellness is," how women entrepreneurs can take action to close the gender wealth gap, and get tips to help you invest in you business' future. See full show notes: https://quinntempest.com/podcast/bernadette-joy/ • • • • • • • Ready to build momentum in your biz? Find out which of the 5 stages of business you're in so you can take the right kind of action to grow with purpose!

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

Today for our “on the road” series, we get fiscal with Bernadette Joy, CEO and founder of Crush Your Money Goals, an academy she started to coach individuals at all stages of life how to become future millionaires. Bernadette crunched the numbers, crushed her own debt, and found the recipe for financial independence—we're willing to wage a bet you haven't heard some of these tips before! On this episode, Bernadette discusses her unique approach to achieving financial literacy (hint: you don't need to be the richest or smartest person in the room to retire before age 65). To Bernadette, the equation can be simplified and personalized, as she shares how she made cents (pun intended) from the lessons she learned along her own journey to financial success. This is one episode you cannot risk missing!

I deliver training for future millionaires, based on my own experience in crushing $300K of debt in 3 years and growing my first $1M of net worth in my thirties. I am the eighth of nine kids and proud first generation Filipino-American and aspiring rich auntie.The Crush Your Money Goals® Academy is proven training to grow your worth by adding to your assets, ditching debt and reaching financial independence faster than the patriarchy prescribed.Other programs only help you accumulate knowledge based on math. We train you with a behavior based approach to not only grow your knowledge, but to apply new habits to grow your net worth. We will never sacrifice your mental health for money.Sign up for our free guide for 30 resources to crush your money goals:https://www.crushyourmoneygoals.com/Opt-in-CYMGSupport the show

Episode 150 features a repeat guest, Bernadette Joy of CRUSH Your Money Goals®, as she talks about how to manage wealth guilt. Listen now!Bernadette Joy is a nationally recognized money expert featured on Good Morning America, NBC News, Time and USA Today for her unique ability to inspire her audience to explore the intersection between net worth and self-worth. She blends a decade of experience in both business and psychology to teach more than just math, but overcoming the mental and emotional stress that comes with finances.While she has two degrees in business and a degree in psychology, her credibility comes from truly leading by example. As first generation Filipino Americans, she and her husband AJ paid off a whopping $300,000 of debt in three years AND grew their first $1 million of net worth in their thirties. Not one dime was inherited, while transitioning from a decade as a corporate HR professional to a six-figure business owner.She founded the Crush Your Money Goals® Academy for those overlooked and underestimated by traditional financial services. She will teach you everything you wish you knew about money, and the confidence to manage yours well.Once you hear her speak, you'll grow confidence to make financial independence a reality, and a clear blueprint to help you get there.For full episode show notes, visit yoquierodineropodcast.com/podcasts/episode-150/Loving this episode? Leave us a review if you're listening on Apple podcasts and be sure to follow us on Instagram, Facebook, Twitter and YouTube!Until next time, stay empowered, stay inspired and #staypoderosaWANT TO KICKSTART YOUR FINANCIAL JOURNEY?Download our FREE 14-page guide covering all the topics you need to start making your dinero moves. Visit here. From money mindset, to budget basics, we've got you covered.Join our Patreon community here. See acast.com/privacy for privacy and opt-out information. Become a member at https://plus.acast.com/s/YoQuieroDinero.

Bernadette Joy is known as THE money expert and educator behind Crush Your Money Goals. One may guess that she's always been a money expert, but that's not the case. Bernadette was once $300,000 in debt, which she burned away in 3 years, amazing! Fitting that her tagline is Bern-A-Debt. Since burning the debt away, she has amassed a net worth well beyond $1,000,000 in her thirties and she's only getting started. Her work has been featured in multiple outlets including CNBC, Good Morning America, MarketWatch, and ABC News.She now uses all of the lessons that she learned while in debt to teach people not only how to eliminate debt, but how to build a better relationship with money. There is indeed a psychology element of money which she shared during our conversation.If you're looking to better understand money, burn debt, and grow your worth, check out Bernadette!Win Today!Episode Links:Bernadette's Free Guide - 30 Resources To Crush Your Money GoalsCrush Your Money Goals WebsiteDear Bernadebt Joy PodcastWon Day InstagramWon Day Website

How would it feel for money to FLOW to you? What if you had a rock-solid strategy to grow your wealth without all the nitty-gritty budgeting and sacrifice? Meet Bernadette Joy, nationally recognized money expert who has been featured on Good Morning America, NBC News, USA Today and….my business BFF! Bernadette's mission is flow wealth to the hands of women, so they can experience more freedom and fulfillment. In this episode, she shares her signature FLOW method to Grow Your Worth (full of real-world examples you can apply immediately!) Face your fears with facts Let help in Own what is in your control Work less We also have a philosophical deep dive into how giving less f*cks – you'll love it. Want to connect with Bernadette? Instagram: https://www.instagram.com/bernadebtjoy/ Work with her: https://www.crushyourmoneygoals.com/ Book her to speak: https://www.bernadettejoy.com/   Want to grow your worth by starting your own business? Book a call with Lauren here: https://laurenwidrick.com/lets-talk   NOTE: We had some minor sound issues with the episode recording – thanks for your patience!

“Actually going for that big hairy thing that is making us really anxious, that's the thing that we've got to go for,” says Bernadette Joy, CEO of Crush Your Money Goals. After Bernadette and her husband paid off $300K of debt in three years, they built their first $1M of net worth. With her practical money tips and entrepreneurial spirit, Bernadette now educates women on their financial literacy and empowers them to claim independence.Bernadette motivates women to take control of their finances without feeling guilty in the process. Often, women worry that wanting wealth will make them look selfish or evil. However, Bernadette points out that men do not have the same insecurities and are societally encouraged to become billionaires. Although she can't prevent women from worrying about what others think, Bernadette can solve their money issues and remind them that they have ownership over their financial futures.Tune into today's episode of Self-Love for Breakfast for an inspiring conversation about creating financial freedom. Learn more about Bernadette's perspective on wealth, how she rid herself of student loan debt, and why there is no one-size-fits-all approach to establishing economic boundaries in a relationship.Quotes• “It's no one's business what you do with your money. And the more money that's in women's hands, I think the more good happens naturally.” (06:08-06:16 | Chrystal Rose)• “How much time, energy, and money do we as women literally waste on caring about what everyone else frickin thinks? And to be honest, I don't know how to solve that time and energy piece yet, but I can figure out the money.”  (08:53-09:10 | Bernadette Joy)• “We have to let go of that whole thing that says, ‘You're a single woman, are you sure you're gonna be okay?' Yeah, you'll be fine. Actually, you'll probably be better off in some cases.” (13:00-13:11 | Bernadette Joy)• “If you're going to be evil, you're going to be evil, whether you're poor or rich. But the bad side of that is that more money, more resources, just like anything else, will amplify who you already were, to begin with.” (15:24-15:38 | Bernadette Joy)• “Actually going for that big hairy thing that really is making us anxious, that's the thing that we got to go for. Because that's going to take the most time, the most energy, and it's going to require a lot of self-reflection and figuring out how to do that differently.” (29:16-29:34 | Bernadette Joy)• “Having been on both sides, I think you have to really decide what works best for you and for your marriage or your relationship or whatever. And it can't just be like a one-size-fits-all.” (35:57-36:05 | Chrystal Rose)Connect with Bernadette Joy:https://www.crushyourmoneygoals.com/https://www.instagram.com/bernadebtjoy/https://www.linkedin.com/in/bernadebtjoy/https://www.facebook.com/bernadebtjoyConnect with Chrystal:http://chrystalrose.com/https://www.selflovebreakfastclub.com/https://www.instagram.com/xtalrose/https://www.instagram.com/selflovebreakfastclub/To join our Self Love Breakfast Club text community, text SLBC to 704-270-6577.Get Embodied with me & our community this month and BREATHE every day! Win prizes and go into 2024 chill AF. Signup here for free when you use code BADDIE: Breathworkbestie.com

“Actually going for that big hairy thing that is making us really anxious, that's the thing that we've got to go for,” says Bernadette Joy, CEO of Crush Your Money Goals. After Bernadette and her husband paid off $300K of debt in three years, they built their first $1M of net worth. With her practical money tips and entrepreneurial spirit, Bernadette now educates women on their financial literacy and empowers them to claim independence.Bernadette motivates women to take control of their finances without feeling guilty in the process. Often, women worry that wanting wealth will make them look selfish or evil. However, Bernadette points out that men do not have the same insecurities and are societally encouraged to become billionaires. Although she can't prevent women from worrying about what others think, Bernadette can solve their money issues and remind them that they have ownership over their financial futures.Tune into today's episode of Self-Love for Breakfast for an inspiring conversation about creating financial freedom. Learn more about Bernadette's perspective on wealth, how she rid herself of student loan debt, and why there is no one-size-fits-all approach to establishing economic boundaries in a relationship.Quotes• “It's no one's business what you do with your money. And the more money that's in women's hands, I think the more good happens naturally.” (06:08-06:16 | Chrystal Rose)• “How much time, energy, and money do we as women literally waste on caring about what everyone else frickin thinks? And to be honest, I don't know how to solve that time and energy piece yet, but I can figure out the money.”  (08:53-09:10 | Bernadette Joy)• “We have to let go of that whole thing that says, ‘You're a single woman, are you sure you're gonna be okay?' Yeah, you'll be fine. Actually, you'll probably be better off in some cases.” (13:00-13:11 | Bernadette Joy)• “If you're going to be evil, you're going to be evil, whether you're poor or rich. But the bad side of that is that more money, more resources, just like anything else, will amplify who you already were, to begin with.” (15:24-15:38 | Bernadette Joy)• “Actually going for that big hairy thing that really is making us anxious, that's the thing that we got to go for. Because that's going to take the most time, the most energy, and it's going to require a lot of self-reflection and figuring out how to do that differently.” (29:16-29:34 | Bernadette Joy)• “Having been on both sides, I think you have to really decide what works best for you and for your marriage or your relationship or whatever. And it can't just be like a one-size-fits-all.” (35:57-36:05 | Chrystal Rose)Connect with Bernadette Joy:https://www.crushyourmoneygoals.com/https://www.instagram.com/bernadebtjoy/https://www.linkedin.com/in/bernadebtjoy/https://www.facebook.com/bernadebtjoyConnect with Chrystal:http://chrystalrose.com/https://www.selflovebreakfastclub.com/https://www.instagram.com/xtalrose/https://www.instagram.com/selflovebreakfastclub/To join our Self Love Breakfast Club text community, text SLBC to 704-270-6577.

“Actually going for that big hairy thing that is making us really anxious, that's the thing that we've got to go for,” says Bernadette Joy, CEO of Crush Your Money Goals. After Bernadette and her husband paid off $300K of debt in three years, they built their first $1M of net worth. With her practical money tips and entrepreneurial spirit, Bernadette now educates women on their financial literacy and empowers them to claim independence.Bernadette motivates women to take control of their finances without feeling guilty in the process. Often, women worry that wanting wealth will make them look selfish or evil. However, Bernadette points out that men do not have the same insecurities and are societally encouraged to become billionaires. Although she can't prevent women from worrying about what others think, Bernadette can solve their money issues and remind them that they have ownership over their financial futures.Tune into today's episode of Self-Love for Breakfast for an inspiring conversation about creating financial freedom. Learn more about Bernadette's perspective on wealth, how she rid herself of student loan debt, and why there is no one-size-fits-all approach to establishing economic boundaries in a relationship.Quotes• “It's no one's business what you do with your money. And the more money that's in women's hands, I think the more good happens naturally.” (06:08-06:16 | Chrystal Rose)• “How much time, energy, and money do we as women literally waste on caring about what everyone else frickin thinks? And to be honest, I don't know how to solve that time and energy piece yet, but I can figure out the money.”  (08:53-09:10 | Bernadette Joy)• “We have to let go of that whole thing that says, ‘You're a single woman, are you sure you're gonna be okay?' Yeah, you'll be fine. Actually, you'll probably be better off in some cases.” (13:00-13:11 | Bernadette Joy)• “If you're going to be evil, you're going to be evil, whether you're poor or rich. But the bad side of that is that more money, more resources, just like anything else, will amplify who you already were, to begin with.” (15:24-15:38 | Bernadette Joy)• “Actually going for that big hairy thing that really is making us anxious, that's the thing that we got to go for. Because that's going to take the most time, the most energy, and it's going to require a lot of self-reflection and figuring out how to do that differently.” (29:16-29:34 | Bernadette Joy)• “Having been on both sides, I think you have to really decide what works best for you and for your marriage or your relationship or whatever. And it can't just be like a one-size-fits-all.” (35:57-36:05 | Chrystal Rose)Connect with Bernadette Joy:https://www.crushyourmoneygoals.com/https://www.instagram.com/bernadebtjoy/https://www.linkedin.com/in/bernadebtjoy/https://www.facebook.com/bernadebtjoyConnect with Chrystal:http://chrystalrose.com/https://www.selflovebreakfastclub.com/https://www.instagram.com/xtalrose/https://www.instagram.com/selflovebreakfastclub/To join our Self Love Breakfast Club text community, text SLBC to 704-270-6577.

Bernadette Joy is the CEO of Crush Your Money Goals. After meeting at FinCon a few years ago she and I finally had the time to sit and talk about her story, her business and future goals. Bernadette talks about her shopping philosophy and how to use her rule of thumb to make sure you shop reasonably! Follow Bernadette here: https://www.instagram.com/bernadebtjoy/?hl=en★ Support this podcast on Patreon ★

Bernadette takes personal finance personally. Overwhelmed and ignored by traditional finance, she learned not just to talk the talk. She walks the walk, having paid off over $300,000 of debt in three years and is on her family is on their way to their first $1M of net worth. From casual to corporate, she can engage any audience. While she has over a decade of Fortune 100 experience, three degrees and numerous certifications, she's known more for her relatable and energetic media persona. Today we dig into the power of owning your mindset around money, how she uses technology to drive her business and money goals, and one step to towards crushing your money goals. Get ready to take notes and enjoy this conversation with Bernadette. Learn more: https://www.crushyourmoneygoals.com/

This week on the DIY Financial Cents Show I sit down with Bernadette Joy the founder of Crush Your Money Goals. We discuss how she was able to pay off $300,000 in school debt and build a $1,000,000 net worth in as little as 5 years. Bernadette walks us through her process, dubbed the "magic recipe" by Good Morning America, her trademarked five-step Crush Your Money Goals® method to change the face of wealth, focusing on helping women and BIPOC communities learn how to build wealth. If you like the episode make sure you subscribe to the podcast so you don't miss more episodes like this! Thank you! Connect with Bernadette Joy: Website Twitter Facebook LinkedIn Connect with DIY Financial Cents: Facebook Page Instagram LinkedIn --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/diyfinancialcents/message

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!

LifeBlood: We talked about the peace of mind and security you get from being debt free, why it won’t require a vow of poverty to get there, and how to reverse engineer your path to being debt free with Bernadette Joy, CEO of Crush Your Money Goals.  Listen to learn how to crush your debt! For the Difference Making Tip, scan ahead to 14:39! You can learn more about Bernadette at CrushYourMoneyGoals.com, Facebook, Twitter, Instagram, YouTube and LinkedIn. We’re honored to have been named one of the top podcasts for investing! We’re on YouTube, check us out! George is honored to be included on Investopedia's list of the Top 100 Financial Advisors for 2020! Have George speak to your organization. You can learn more about the show at GeorgeGrombacher.com, Twitter, LinkedIn, Instagram and Facebook or contact George at Contact@GeorgeGrombacher.com. 

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!

Welcome to the Her Two Cents Podcast where your hosts Laura Webb and Faith Doyle come together as two female financial advisors with over 40 years of collective experience to provide a multigenerational perspective on all things money. Our goal is that through these conversations, we can normalize the way women talk about and view money. Ever feel like debt is a necessary evil that never truly goes away, or that you have so much debt that you could never possibly get out? Well, you aren’t alone, this is a reality for so many Americans. In fact, 80% of Americans have consumer debt, and a total of $14 Trillion in total debt. But what if there were a way out? Take a listen as we talk to our guest, Bernadette Joy, of CRUSH You Money goals, as she shares how she found a way at the age of 34 to pay off over $300,000 in debt in three years and eventually turned it into a business to teach others how to do the same. Ladies it’s time to cut the cord on that debt and take charge of your financial future. Join us for a provocative conversation on how to view debt and your finances differently. To learn more about Bernadette and her work check her out at www.crushyourmoneygoals.com See omnystudio.com/listener for privacy information.

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!

In today's episode of the What Else? Podcast, I'm interviewing our most famous guest yet! Bernadette Joy is a personal finance expert who has been featured on Good Morning America, TIME Magazine, CNBC, and the Doctors. After she paid off $300,000 in debt over a few years, she started helping others take control of their financial futures. Today she's sharing the behind the scenes of that journey, from the persona she's built on social media to the multiple businesses she's started over the years. Connect with Bernadette! Crush Your Money Goals Website - https://www.crushyourmoneygoals.com/ February Mastermind on bringing in $50K for Power Couples - https://www.crushyourmoneygoals.com/offers/2ofsakg9/checkout Bernadette on Instagram - https://www.instagram.com/bernadebtjoy/ Some of the topics Bernadette speaks to in this episode are: Her amazing microaggression jar and why she's so passionate about helping women and BIPOC communities experience financial empowerment. The business she started and later shut down to pursue the work she was truly passionate about. How her online persona as Berna-“debt” Joy is similar to who she is in real life… and how they're totally different. Are you getting ready to launch a new service, a digital course, or something totally unique? My Ready. Set. Launch. Program gives you the how-to's and the tools to execute your specific launch successfully, efficiently, and without the stress of doing it on your own. Receive a 90-minute intensive and the Launch Playbook that includes your sales funnel, email templates, social calendar, and more. PLUS, 6 weekly support calls for the questions, the bumps, and the roadblocks. LEARN MORE about Ready. Set. Launch. At https://www.sarahebaus.com/readysetlaunch Sarah Baus, Host of the What Else? Podcast, is a Launch Strategist that helps entrepreneurs plan and execute a launch in their business. Whether you're launching a digital course, a new product, or a new service offering, Sarah has the tools, expertise, and experience to help you have less stress, more fun, and more profit in your next launch. Ready to supercharge your next launch? Book a call with Sarah today at https://calendly.com/sarahbaus/meeting?month=2021-01. Connect with me! Website: https://www.sarahebaus.com/ Instagram: https://www.instagram.com/sarahebaus Facebook: https://www.facebook.com/sarahebausblog/ --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/sarah-baus/message

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!

In this week's episode, I speak with Bernadette Joy who went from HR to running a fashion company to taking her own personal experiences with money and starting a financial education company.  Crush Your Money Goals is just the latest example of Bernadette shedding the expectations and labels put on her throughout her career, and her life, and finding the path that speaks to her where she can help others with their financial goals.  As she puts it, she never wants someone to be financially dependent on their job, but be in control of their own financial stability & success.   And she does it all in her own way and her personality screaming through the microphone!   She specifically has two upcoming programs you should check out at https://www.crushyourmoneygoals.comAs always, please consider subscribing, leaving a rating and review and sharing this podcast and the whole series with others.  We do this podcast to help spread the word that everyone can get unstuck and find the thing that brings them joy in their careers.  If our guests can do it, you can too!  Check out our Facebook page: Career Changers for more tips!  And I'm running a special for my Teachable course that dives into each step in order to make a career change! Check it out at https://career_development.teachable.comMore about Bernadette...Bernadette takes personal finance personally. Overwhelmed and ignored bytraditional advice, she learned not just to talk the talk. She walks thewalk, having paid off over $300,000 of debt in three years and is on trackto retire in her forties.Dubbed her "magic recipe" by Good Morning America, she also sharesher trademarked five-step Crush Your Money Goals® method as acontributor for CNBC, TIME, and multiple TV and podcast shows.While she has over a decade of Fortune 100 experience, two bachelors,a masters degree and numerous certifications, she's known more for herrefreshing energy, engaging style and relatable messaging.Her classes are centered around her trademarked CRUSH YOURMONEY GOALS® system that teaches simple tips, and tools to:Cultivate a positive money mindsetReverse engineer life goals into manageable stepsUse your time, energy, and money efficientlySpend on what matters to you mostHustle to make your income meet your money goals faster!When she's not teaching, you can find her singing karaoke, delving into DIYprojects, and eating way too much chocolate with her husband AJ.Welcome to the Shine at Work Podcast! On this show, your co-hosts Karen and Dan will shine a light on your job search so you can land a role that lets you flex your strengths and progress your career in an environment you actually look forward to working in each day. From creating a stand-out resume, to confidently negotiating your salary, to finding your footing as a new manager, you can expect to hear actionable advice to help you shine your brightest in your role. Karen D. Weeks is the CEO and Chief Career Coach of Shine at Work Coaching. She has over twenty years of HR experience, including as CPO at Ordergroove. Dan Carr is a Shine at Work Career Coach with over a decade of recruiting experience helping high-growth startups expand with top talent. Connect with Us! Website Instagram Karen Weeks on LinkedIn Dan Carr on LinkedIn

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!

Today's Oddcast: “CRUSH Your Debt - Meet Bernadette Joy” Financial Security in the Pandemic. Crush Your Debt with Bernadette Joy. Bernadette's First Step. Is Crushing Debt Normal? It's Easy for Us to Undervalue Our Own Skills. Don't Confuse Net-Worth with Self-Worth.   The Bob & Sheri Oddcast: everything we don't, can't, won't, and definitely shouldn't do on the show!

Money can be such a taboo topic and one people shy away from, but how can we can attract more money if we don't talk about it? For that reason, I am so excited to have Bernadette Joy, who paid off $300k of debt in 3 years, join us today to share easy ways to crush money goals! ... Connect with Bernadette Joy further: Website: crushyourmoneygoals.com Instagram: https://www.instagram.com/bernadebtjoy/ Facebook: https://www.facebook.com/bernadebtjoy LinkedIn: https://www.linkedin.com/in/bernadettejoy/ YouTube: https://www.youtube.com/channel/UCKJFaHM2KDcaT_UpUYE7hKQ?view_as=public .... This is the First of an Eight week series from the Glow at Podcast Row event where I was invited to bring these incredible women onto my podcast! --- Support this podcast: https://anchor.fm/blissfully-balanced-life/support

How big is your mission? Would you describe it as a “million-dollar mission”? Today's guest shares her powerful journey of getting out of massive debt. She has a million-dollar mission to help others, and her story will inspire you to create your own powerful, valuable mission to reach others with your message and experience.

On Today's episode of The Kim Jacobs Show you will learn how to crush your money goals with BERNADETTE JOY! To learn more visit bernadettejoy.com. Subscribe to The Kim Jacobs Show on You Tube: https://bit.ly/3bDU09A

Today's episode, which is part of the #glowpodcastnetwork series, we talk with Bernadette Joy, who's a debt free expert. She gives great and practical advice about how to dig out of student loan debt. She talks about her own struggle to become debt free and why she feels it's important to share what's she done. She has an awesome new campaign, the 1 million mission to empower professional millennials to CRUSH their goals in life and money. Find her here:https://www.bernadettejoy.com/ --- Support this podcast: https://anchor.fm/the-reset-podcast/support

On this episode, we get a chance to sit down with Bernadette Joy of Crush Your Money Goals. Bernadette paid off a massive 300k of debt in less than 3 years before the age of 34. She got relentlessly committed about her freedom, created a plan and the rest was history. Now she teaches others […]

About Bernadette Joy Bernadette is a founder of Crush Your Money Goals course, the Crush This Debt book, and the Dear Bernadebt Joy podcast. She's on a mission to build a community of people who are ready to crush their... READ MORE The post $300K gone in 3 years using the C.R.U.S.H model | Bernadette Joy appeared first on .