Crushing Your Money Goals | Bernadette Joy | CRUSH Your Money Goals®
Yo Quiero Dinero
Jannese Torres
4.9 • 607 Ratings
🗓️ 2 December 2024
⏱️ 59 minutes
🧾️ Download transcript
Summary
Bernadette Joy is a renowned personal finance expert and the founder of Crush Your Money Goals®, a financial education platform established in 2020. She has empowered thousands across the United States with practical strategies to eliminate debt, enhance savings, and invest confidently, all aimed at achieving financial peace.
In her personal journey, Bernadette successfully paid off $300,000 in debt within three years and accumulated her first $1 million in net worth during her thirties. As a first-generation Filipina American and the eighth of nine siblings, she brings a relatable and inspiring perspective to financial empowerment.
Bernadette's expertise has been featured on platforms such as CNBC, Good Morning America, and Business Insider. She was also recognized among the 25 Most Influential New Voices of Money by NextAdvisor in partnership with Time.
Expanding her mission to make financial education accessible and engaging, Bernadette authored "CRUSH Your Money Goals: 25 Smart Money Habits to Save, Invest, and Fast-Track Your Financial Freedom." Scheduled for release on December 10, 2024, the book introduces her C.R.U.S.H. methodology, offering readers actionable habits to transform their financial lives.
For full episode show notes, visit here.
Check out Bernadette's previous appearances on the episode here & here.
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Transcript
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| 0:00.0 | I embarked on this journey back in 2016, which as well as I say, it was eight years ago now, where I was like, I just want to focus on paying off my student loans. And so I, along with my husband, we focused on paying off $72,000 in less than a year after I graduated from my MBA program. And then we were like, well, let's keep the momentum going. Let's work off paying off our mortgages and all of our regular bills, like credit cards, like all the usual stuff that people have. And then I found myself in 2019 |
| 0:25.2 | at the age of 34 having like a paid off home and being completely debt free and was like, |
| 0:29.9 | wait, I thought I wasn't going to do this until I was like 65. So what do I do now for the next |
| 0:34.7 | 30 years? And that's when we learn more about the financial |
| 0:38.3 | independence movement, which I've now leaned more towards the acronym of Fine, which is |
| 0:43.7 | financial independence next endeavor. Then I realized that I had all this wealth guilt from our last |
| 0:48.1 | conversation and I wasn't relaxing every day. So it's just like, that doesn't feel like right to me |
| 0:52.3 | right now. So now I've been following this idea of financial independence next endeavor. Like, what's this next thing that I'm looking forward to? And it's just like, that doesn't feel like right to me right now. So now I've been following this idea of financial independence next endeavor. |
| 0:56.5 | Like, what's this next thing that I'm looking forward to? |
| 0:58.2 | And it doesn't always have to be about making money. |
| 1:03.0 | You're listening to, |
| 1:04.7 | a personal finance podcast for the modern Latina. |
| 1:09.0 | I'm your host, Janice Torres, award-winning Latina personal |
| 1:12.4 | finance expert. I didn't always have my financial shit together, but when I started looking for |
| 1:17.5 | POC-friendly personal finance podcasts, I couldn't find any. And so Yo Quiero Dino was born. On this show, |
| 1:23.9 | I'll show you how to make Dineiro, how to keep your Dinero, and most importantly, how to make it grow. Each week, I'm connecting you with the most brilliant minds in the world of money and business. So you can learn about investing, entrepreneurship, and building wealth. The best part, I'm dishing up all this knowledge with a sassy side of Sazon. So if you're ready to be Poderosa with your |
| 1:45.1 | dinero, you've come to the right place. Let's dive in. Before we hop into today's conversation, |
| 1:51.5 | I want to remind you to follow us on social. If you're loving this podcast and you want more |
| 1:56.2 | community, you want to find out more about our events and all the stuff that we have going on |
| 2:00.4 | behind the scenes. |
| 2:01.5 | You can find us on Facebook, Twitter, TikTok, YouTube, Instagram, and everywhere else you love to hang out on the internet. |
| 2:09.5 | If you're loving this podcast, please take a moment to leave us a review if you listen to us on Apple. |
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