67 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 • 38 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!

    Episode 12: Anti-Goals: The Rebellious Guide to Crushing Your Goals in 2024 (Season Finale)

    Episode 12: Anti-Goals: The Rebellious Guide to Crushing Your Goals in 2024 (Season Finale)

    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

    • 40 min
    Episode 11: Partners in FI: Our Husbands' Perspective

    Episode 11: Partners in FI: Our Husbands' Perspective

    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 feels to reach FI







    What it’s like to pursue FI with kids







    And more!








    We hope you enjoyed this episode as much as we did!


    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

    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 


    Resources from today’s episode: 

    Follow Joseph (Stef’s other half) on IG: https://www.instagram.com/coachjosephgonzales/

    Follow AJ (Bernadette’s other half) on IG: https://www.instagram.com/analogjoy_/

    • 33 min
    Episode 10: SkillPop: A New Way to Build Community and Connect with Others

    Episode 10: SkillPop: A New Way to Build Community and Connect with Others

    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 looking for community or are simply excited to hear 3 bad ass women talk about entrepreneurship, this episode is for you!


    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

    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 


    Resources from today’s episode: 

    Check out Skillpop & their classes! https://www.skillpop.com/

    • 32 min
    Episode 9: FinCon2023 Live: Estate Planning with Stef's Mom - A Conversation About Love, Legacy, and Financial Security

    Episode 9: FinCon2023 Live: Estate Planning with Stef's Mom - A Conversation About Love, Legacy, and Financial Security

    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 this body of work is so important to do for ALL WOMEN.  No matter if you have kids or not!


    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

    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

    • 37 min
    Episode 8: FinCon 2023 Live: The Women in Money Mastermind & Community Experience

    Episode 8: FinCon 2023 Live: The Women in Money Mastermind & Community Experience

    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 takeaways were from the Mastermind for their businesses and what the Women’s Wealth Effect means to them.
    And of course, we break down what our thoughts were about our mastermind experiences to date & our takeaways as well!
    We hope you enjoy today’s episode as much as we did and special thanks to Rachel, Miranda and Lauren who took time out of their busy Fincon schedules to be with us.  You can follow and support their businesses by checking out their websites in the Resources from today’s episode section below. 


    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

    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 


    Resources from today’s episode: 

    Find Rachel Jimenez at https://moneyhackingmama.com/
    Find Miranda Marquit at https://mirandamarquit.com/
    Find Lauren Cobello at https://leveragewithmedia.com/

    • 40 min
    Episode 7: Career Effect Series: How Santana Overcame her Limiting Beliefs to Unlock a Life Aligned

    Episode 7: Career Effect Series: How Santana Overcame her Limiting Beliefs to Unlock a Life Aligned

    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 need to create space for these crucial conversations!

    Today I want to introduce to you Santana Inniss.  She came on to my Career Effect Series as a guest where she shared her personal + professional story, giving us the opportunity to see what is possible for each of us if we tap into a life aligned.

    Santana is a Master Certified flow & alignment coach who is absolutely obsessed with helping you clarify the life you dream of, identify what’s in your way, and co-create the roadmap of aligned actions to get you there.  

    Join us today as Santana shares how her life journey led her to this point.  

    I was inspired and I’m sure you will be too!

    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

    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 


    Resources from today’s episode: 

    You can find Santana by checking out:

    https://www.flofoundations.com/

    https://www.instagram.com/flofoundations/

    https://www.linkedin.com/in/santanainniss/

    • 1 hr 1 min

Customer Reviews

4.9 out of 5
38 Ratings

38 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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