55 episodes

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!

Crush Your Money Goals Bernadette Joy

    • Education
    • 4.9 • 35 Ratings

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!

    What happens when you finally reach your money goals

    What happens when you finally reach your money goals

    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! 

    • 15 min
    How to live more luxuriously in 2023

    How to live more luxuriously in 2023

    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
     

    • 22 min
    How To Grow Your Audience In 2023 With Accessible Content

    How To Grow Your Audience In 2023 With Accessible Content

    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
     

    • 20 min
    Throw out the bro-y money advice in 2023

    Throw out the bro-y money advice in 2023

    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

    • 22 min
    Decorating Your Home On A Budget

    Decorating Your Home On A Budget

    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/

    • 22 min
    Reminding Women That Self-Care Isn’t Selfish

    Reminding Women That Self-Care Isn’t Selfish

    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

    • 23 min

Customer Reviews

4.9 out of 5
35 Ratings

35 Ratings

A Comedy Podcast Fan ,

Crushing it

Bernadette Joy is unlike any other financial expert I’ve ever heard. She pulls no punches and her advice and experience are rooted in real-world experience. She helps you set and achieve realistic goals on your way to your own financial freedom.
Fire, indeed.

Marie 🦚 ,

Obsessed!!!

Finally a money and finance expert that isn’t intimidating, patronizing, or pompous! Bernadette brings real life money advice while being engaging, fun, and giving steps to building wealth and crushing debt that have helped me immensely!

societyhillmom ,

Simply incredible!

I am so happy I discovered Bernadette’s podcast! I have been a fan and follow her on social, but the podcast brings me so much extra advice and tips to really help me keep on track with finances. Thanks for bringing such a fab energy and so much insight!!

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