Crush Your Money Goals

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

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

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

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

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

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

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

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

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

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

Rental properties are a popular investment tool on the way to financial freedom, but owning and maintaining rental properties are two very different things.  In this episode, I share 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 get fast and affordable insurance for any property type. I'm pumped to partner with Adam and Steadily as our podcast sponsor to give away $10K (wahoo!) 🙌 Entering the #AmericasBestLandlord contest is easy: Follow @SteadilyInsure and @BiggerPockets on Instagram Post an Image or Video to your Instagram feed, sharing what you think makes a great landlord. Include #AmericasBestLandlord in your caption and tag @SteadilyInsure and @BiggerPockets in your post Encourage Votes on your entry from followers, family, and friends! The winner will be decided by number of likes on their contest entry by 11:59PM EST on October 31. #ad

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

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

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

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

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

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

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

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

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