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I was $300,000 in debt including student loans and mortgages, living a lifestyle way above my means. Three years later my family had paid off all of it including our house! Now that I'm 100% DEBT FREE (that's right no credit cards, car payments or debt of any kind), I'm on a mission to build a community of people who are ready to crush their money goals. This isn't your regular finance show - we're here to have fun and learn about life any money together. Welcome!
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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 r…
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We are coming to you LIVE from Fincon 2023 in New Orleans where Bernadette and I interview our husbands! We wanted to ask them questions about what it’s been like to pursue Financial Independence, especially with two bad ass women! This was a really fun and REAL episode! Here Joseph and AJ talk about: Who introduced the concept of FI first How it f…
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We are coming to you LIVE from Lisbon to talk about the work that Haley Bohon and Skillpop are doing to create learning experiences that are engaging, interactive and accessible. As Haley and her team would put it, you shouldn’t have to spend huge amounts of time or money to learn something new, so we make it simpler. If you are a woman who is look…
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We are coming to you LIVE from Fincon 2023 in New Orleans & we are bringing a very special episode to you. Welcome Dr. Mary Lou Maldonado, Stefanie’s mom! Mary Lou recently turned 60 and as a gift to herself she got her Estate Plan established. We talk to her about why she felt this was important, her experience with her attorney and discussed why …
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We are coming to you LIVE from Fincon 2023 in New Orleans & we are talking about all things Women, Community and Masterminds. Bernadette & Stefanie had the opportunity to attend a Women In Money Mastermind this summer and we thought it would be a great idea to check in with some of the amazing women who attended. We asked them what their biggest ta…
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Today is a powerful episode about Life + Career + Money. If you have been following me @womenswealtheffect on Instagram or on Linked In you have seen that since July 2023, I have hosted a monthly Career Effect Series. I created this series because 3 out of 4 women do NOT feel comfortable talking about Career or Money at work. SOOO that means we nee…
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Hi y’all, Stefanie coming to you solo today to talk about RSUs (Restricted Stock Units)! I personally leveraged RSUs to build around $200k of my networth and I want to make sure you know the ins and outs of how they work WAY EARLIER than I did. Did you also know I left over $100k UN-vested when I left my job in 2022? I’ll share how having a PLAN fo…
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In this episode we come to you live from Fincon’s first Women In Money conferences with the one and only Tanja Hester! Tanja Hester, author of two award-winning books — Work Optional: Retire Early the Non-Penny-Pinching Way and Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change — is best known for retiring from…
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Bernadette and Stefanie are coming to you live from Lisbon, Portugal… talking about our experiences with Real Estate! We share all the tea on how we both significantly increased our net worth through real estate… and how we are now unapologetically renting as Millionaires. We cover questions like: How real estate fit into our financial strategies (…
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Hola Hola everyone! Stefanie here for her first solo episode… eek! In this episode, I let you in on how my life has been in massive transition since 2018 as we moved from Texas to Singapore, had two kids and started on an intentional path towards financial independence. It was over this period that I had a real reckoning with what I wanted to do wi…
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We are so excited to introduce you to Janine Firpo, a values-aligned investor, angel investor, and social innovator. In 2017 she left her 35-year career in technology and international development to focus on how women can create a more just and equitable society through their financial investments. In 2018 Janine launched a club to help women inve…
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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 pill…
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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 th…
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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 hu…
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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 …
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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…
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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@marisawilsoninter…
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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 advoc…
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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 th…
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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 strai…
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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 technol…
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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 …
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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 spendi…
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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 (@bernadebtj…
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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!…
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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 mas…
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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 …
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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…
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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 M…
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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…
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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: h…
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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 al…
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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 mastercl…
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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 l…
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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 …
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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 …
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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:…
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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 …
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Closing my business when I knew it was the right decision was the easy part. Having to answer people's questions as to what I planned to do next with my life was the hard part. In this video, I talk about what it was like to close my business publicly and how I answered family, friends and strangers on that question - "So what are you doing now?" T…
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Kelly Jo is a wife, mom, a recovering corporate worker, small business owner and side hustler. Building a brand from scratch is no easy feat and she's not only done this for herself, but for the clients of her company, Threaded Marketing Group. If you're a corporate person day dreaming about how to build your own business, this is a must listen! ht…
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Tori Stevens of EvolYOUtion and I have my favorite conversation of UNDRESSED. We talk about her journey from "job-hopper" to entrepreneur and her tips on knowing and owning your truth in career and in life. There were so many great tidbits I got out of this. If you're a professional millennial woman feeling stuck, I promise you'll learn something f…
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Crush This Debt was live at Charlotte Shout! We recorded a special episode of the podcast at the Queen City Podcast Network stage powered by OrthoCarolina at Coco and the Director in Uptown Charlotte. Bernadette hosts the show and talks to our producer, Andy Goh, about his own debt free journey. Bernadette then talks to Angela Stowe Nicholson about…
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I find so much inspiration in other debt-free journeys and am excited to share one of my friend Mike, who despite job changes, starting a company, having two kids and ALL THE THINGS that could derail someone, paid off $110,000 in less than a year! Listen in this week's episode or catch the full video episode on my YouTube Channel! Ready to crush yo…
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If I could go back in time for me and most of my friends, I’d whisper “Don’t take out those student loans!” I can’t go back in time, but for those of you planning to send your kids to college or going to school yourself, this episode is a must! We’ll chat with money expert Leo Theriault on how he helps families save money paying for college. Listen…
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Hey, when I got married it was stressful AF and even more expensive. Is it worth it to go broke for your wedding day? Our expert friend Alessandra Macaluso, author of The Real-Deal Bridal Bible will share tips on how to save money and stress planning your wedding! Listen in this week's episode or catch the full video episode on my YouTube Channel! …
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Before I got crazy about being debt free, I was crazy about HGTV. I wanted to have that before-and-after reveal of a house, but nobody warned me about ALL THE THINGS that could go wrong! Before you start that dream renovation, listen to these tips from our home improvement expert Michael Claudio of WinRate Consulting. His tips can literally save yo…
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When I bought my first house, and even my second house, I had no idea what I was doing. No one really teaches you the inside tips on the biggest purchase most people make in their lives. But our friend Kim Snyder of High Caliber Realtors is going to share her personal tips on how to be smart about buying or selling your house while on your debt fre…
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No you do not have to shop at Wal-Mart and look like a frump when you’re trying to save money. One of our favorite people on the planet, fashion image coach LaShanda Milner-Murphy is going to share her 35 years of fashion expertise on how you can stay looking fresh while saving money. Listen in this week's episode or catch the full video episode on…
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I haven’t taken a vacation in two years (that I was excited about anyway) while I was on my debt free journey. Now that we’re debt free, I’m ready to take that trip! But on a smart budget of course! Samantha Schultz, aka Travel Matchmaker Extraordinaire will give us tips you can use today to book that dream vacation, and save money, too! Listen in …
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