Episode 299 features a repeat guest, Bernadette Joy, as she talks about crushing your money goals. Listen now!
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.
Beyond her professional endeavors, Bernadette is an avid K-pop enthusiast and chocolate lover, infusing her vibrant personality into her work to make financial literacy both enjoyable and attainable.
You can follow Bernadette on Instagram, and LinkedIn.
In this conversation, Bernadette Joy shares her journey from overcoming debt to achieving financial independence, offering practical advice and her CRUSH framework for success.
She challenges traditional views on homeownership, highlighting renting as a smart alternative for some. Bernadette also emphasizes the importance of negotiating pay, intentional spending, and addressing money wounds through mental health awareness.
Her insights highlight the connection between financial empowerment and emotional well-being, encouraging women to grow their income, invest wisely, and support businesses led by people of color.
For more on her approach, check out her upcoming book, CRUSH Your Money Goals, releasing December 10, 2024.
Episode 299 Highlights:
- We need to be unapologetic about our pursuit of wealth.
- Financial empowerment is crucial for women of color.
- Renting can be a strategic financial decision.
- Homeownership is not the only path to financial success.
- Self-advocacy is essential in negotiations.
- Practical steps are more effective than mindset alone.
- Understanding your net worth is vital for financial planning.
- The 25X rule helps frame financial independence goals.
- Building habits is key to financial success.
- Community and relationships are important for mental health. Negotiate your pay at least once a year.
- Job hopping can lead to better salary increases.
- Eating out can be a strategic financial choice.
- Conserving energy is a valid reason to spend on meals.
- Intentional spending improves quality of life.
- Mental health plays a crucial role in financial decisions.
- Women need to focus on increasing their income.
- Investing can lead to significant wealth growth.
- Support entrepreneurs of color to reshape business landscapes.
- Financial literacy is essential for empowerment.
Chapters:
- 00:00 – Empowerment Through Wealth Conversations
- 03:06 – Bernadette Joy’s Financial Journey
- 05:50 – The Renting Revolution: A New Perspective
- 09:09 – The Myth of Homeownership
- 12:06 – Practical Financial Coaching: The CRUSH Framework
- 15:11 – Negotiation and Self-Advocacy in Finance
- 27:48 – The Importance of Negotiating Your Pay
- 30:07 – Spending Intentionally: Redefining Financial Choices
- 38:02 – Healing Money Wounds: The Role of Mental Health
- 44:09 – Empowering Women: Increasing Income and Investing
- 52:06 – Investing in Change: Supporting Entrepreneurs of Color
Watch the full interview on our YouTube channel! Subscribe here.
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Until next time, stay empowered, stay inspired and #staypoderosa ✨
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