Crush Your Money Goals

You will reach more of your audience by incorporating accessibility with your online content and my guest and Crush Your Money Goals alum Laurie can help you get there!   Laurie Necasek is an expert on accessible solutions for digital content. She’ll share her learning and development and psychology expertise to help your business be more accessible to more people in 2023! Grab her free guidebook:...

Giovanna aka Gigi is financial educator and TikTok influencer featured on The New York Times, Mitu and Business Insider. She teaches financial literacy and career readiness at various organizations and on her TikTok account @thefirstgenmentor where she's built a community of almost 200,000. Her mission is to transform how First Gen, and other women of color, interact with money.  As a first gen me...

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 p...

Self-care is necessary and brave AF! Meet Carla Carlisle, one of my favorite Crush Your Money Goals alum who paid off six figures of debt in our work together! Carla, now a Tedx Speaker and author, became educated on how so many people live life in survival mode. The decade-long journey to motherhood recreated her and inspired her to focus on advocacy. She teaches caregivers to transform from livi...

Meet Stef (she/her/hers), Career Coach and digital creator who helps career women build wealth! She’s a Latina Millionaire who paid off $420k debt, and my Instagram friend turned real life friend! She’s #goals because she was able to leave the US with her family of 4 and make a financially independent life abroad! You won’t want to miss the gems that she drops on this episode!   Follow Stef on Ins...

This episode was a huge milestone for me. It was the first time I got on stage in front of 1,500 OTHER personal finance experts to school them about… money. I have never been so nervous in my life! But here’s feedback I got from one of my favorite podcast hosts: “Oh my god @bernadebtjoy inject this energy in my veins!!! This woman’s talk just straight up changed my wife’s life. I cannot wait to se...

Rental properties are a popular investment tool on the way to financial freedom, but owning and maintaining rental properties are two very different things.  In this episode, I share four ways that being a landlord can be more expensive than you might be ready for. I also interview Adam, the SVP of Growth & Partnerships at Steadily, who uses technology to help landlords and real estate investors g...

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 th...

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...

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...

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

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

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

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

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 mon...

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 ma...

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...

  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-wo...

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 @bern...

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 Crus...

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

It's our next episode of UNDRESSED! I chat with my favorite local photographers Ray & Christy of Mnemosyne Studio and uncover: Photography tips for anyone with a small business What we learned about having women as customers Failing your first time around and still grow your business doing what you love Ray & Christy are not just as small business owners but genuinely kind human beings, and can't...

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

Should I have done a franchise instead of opening my own business? I absolutely loved this conversation with Lauren Cantor who coaches potential franchise owners on what it means to be in business for yourself, but not by yourself. We talk about how she bought her own franchise after being laid off in her fifties, what it's like to be a reinvented baby boomer and who is NOT a good fit for being a...