Crush Your Money Goals

By: Bernadette Joy
  • Summary

  • 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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Episodes
  • Season 7 Episode 11: New Beginnings: Empowering Lessons from Quitting with Confidence
    Oct 2 2024
    In this final episode of the Crush Your Money Goals podcast, Bernadette Joy and Stefanie Gonzales reflect on key moments from Season 7, “Quit with Conviction.” They discuss standout episodes featuring guests like Erin from Hello Divorce and George Kamel, highlighting the personal growth and lessons learned from these conversations. Listeners are encouraged to embrace the power of quitting with purpose as they announce the end of the podcast and express gratitude to the audience for their support throughout the journey. In this episode, you will learn the following : How to quit with confidence and purpose Lessons from navigating divorce The importance of taking a sabbatical before quitting Managing career transitions thoughtfully Overcoming biases in personal and professional life Balancing financial freedom with life choices Acknowledging the power of intentional decision-making Episode Timeline: [00:00:00] - Introduction to Season Finale [00:01:09] - Highlighting Favorite Guests [00:04:40] - Lessons from the Divorce Episode [00:07:30] - Reflecting on Biases and Growth [00:11:10] - Embracing Sabbaticals and Quitting Mindfully [00:17:30] - Personal Growth and Freedom [00:33:09] - Shifts in Business Focus [00:39:20] - Closing Remarks and Farewell Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide
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    48 mins
  • Season 7 Episode 10: Frugality, Mental Health, and Financial Freedom
    Sep 27 2024
    In this episode of Crush Your Money Goals, Bernadette Joy and Stefanie sit down with Shang, the inspiring force behind Save My Cents. Shang shares her journey to financial independence by age 31, her frugal yet joyful approach to life, and the powerful intersection of mental health and financial wellness. Recorded live from FinCon, this conversation is a must-listen for ambitious women who aspire to break free from the corporate grind, embrace frugality, and achieve financial independence with confidence. In this episode, you will learn the following : Frugality and how it can be a joyful choice rather than a sacrifice The intersection of mental health and financial wellness Living a fulfilling life while being frugal in high-cost areas like Manhattan Addressing mental health as part of financial planning The role of therapy in Shang’s financial and personal journey Handling online negativity and maintaining a positive outlook The importance of having aligned financial goals with a partner Episode Timeline: [00:03:06] - Journey to financial independence [00:05:33] - Intersection of joy, mental health, and financial literacy [00:06:29] - Frugal lifestyle and the misconceptions about frugality [00:11:21] - Making life decisions and the flexibility of those choices [00:16:09] - Prioritizing mental health and seeking therapy. [00:18:14] - Handling online trolls and how to maintain her mental health [00:21:08] - Navigating life and finances with a significant other. [00:24:27] - Upcoming book on mental health and money. Learn more about Shang Saavedra: Website: https://savemycents.com/ Instagram: https://www.instagram.com/savemycents/ Linktree: https://linktr.ee/savemycents Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide
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    26 mins
  • Season 7 Episode 9: Breaking Barriers: Path to Wealth, Worth, and Well-Being
    Sep 18 2024
    In this episode of Crush Your Money Goals, Bernadette Joy and Stefanie welcome Fernanda, also known as the Relentless Latina, to share her inspiring journey from a struggling engineer to a six-figure investor. As a first-generation immigrant from Mexico, Fernanda reveals the challenges she faced, from workplace discrimination to chronic stress, and how she ultimately transformed her life by quitting toxic environments and embracing her worth. This episode is a must-listen for anyone who wants to learn how to build wealth, especially if you’ve been hesitant about investing or felt underappreciated in your career. In this episode, you will learn the following: Career challenges, such workplace discrimination and chronic stress. Mindset shifts necessary for career growth and financial independence. Importance of investing and how it transformed Fernanda’s approach to money. Fernanda’s passion for empowering Latinas to achieve financial independence. Setting workplace and business boundaries to protect mental health and well-being. Episode Timeline: [00:02:07] - Fernanda’s immigrant background from Mexico and her mission with Relentless Latina. [00:07:47] - Turning point: quitting toxic job and embracing worth [00:09:34] - Mindset shifts around gratitude and claiming worth in the workplace [00:15:20] - Career pivot to project management and the success that followed [00:24:30] - The role of investing in financial independence journey [00:32:18] - Setting boundaries while balancing a 9-to-5 job and side business [00:35:02] - Making decisions that feel right for her health and well-being [00:36:25] - Regularly checking in on boundaries as you grow professionally and personally Learn more about Fernanda: Website: https://relentlesslatina.com/ Instagram: https://www.instagram.com/relentless.latina/ Threads: https://www.threads.net/@relentless.latina Learn more about Stefanie Gonzales and the Women's Wealth Effect: LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa Instagram: https://www.instagram.com/womenswealtheffect/?hl=en Facebook: https://www.facebook.com/Womenswealtheffect Early Retirement Planner: https://www.womenswealtheffect.com/planner Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free Learn more about Bernadette Joy and the Crush Your Money Goals: Order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638 Website: https://www.crushyourmoneygoals.com/ 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide
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    39 mins

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