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YOUR 2026 CHA-CHING CHECKLIST
A step-by-step plan to overcome the overwhelm of starting your money journey.Â
What's includedÂ
- 5 weekly financial themes to gradually level up your money skills
- 25 curated resources to check out each day of the week
- 5 questions to ask yourself and stay focused throughout your journey
- a template to write out your goals, based on what you learned
- Bonus! 5 more resources for if you're starting a side hustle or growing a business
$100K+ Earner to $1M Invested
Does this sound familiar?
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Your earn good income, but your plan feels scattered
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You’re earning points and investing, yet unsure if it’s adding up to real freedom
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Big life decisions are coming, and your money doesn’t feel ready
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You’ve outgrown beginner advice, but don’t relate to ultra-wealthy strategies
You’re not behind. You’re just missing structure.
That’s why I created this free 5-week checklist to give you a starting point.
The tools and concepts outlined here are the same I used to pay off $300,000 of debt in three years and build enough stability to retire from corporate by 40.
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What happens next
When you download the checklist, you’ll also be subscribed to my weekly newsletter, Pocket Power.
Pocket Power is for $100K+ earners and households who want to:
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Turn income into real assets + net worth
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Make smarter investing decisions without overwhelm
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Build systems that support freedom, rest, and long-term options
- Put more money in the pockets of their community, not just billionaires
Each week, I share one clear lesson and specific action to build toward your next $1M (at your own pace).
It’s free. You can unsubscribe anytime. No pressure.
About Bernadette Joy
Bernadette is a powerhouse with real-world experience.Â
As a first-generation Filipino American and former corporate employee, she intimately understands the stress of financial uncertainty, even when the paycheck looks promising.
She's a featured money expert on CNBC, CNET, Forbes, MarketWatch, Yahoo Finance and has taken the stage at FinCon, SXSW, NASDAQ and TEDxHouston (just like Brene Brown!)
With two business degrees and a background in psychology, Bernadette knows how to blend academic knowledge with street smarts.
But here's where Bernadette truly shines: she's walked the walk. In just three years, she obliterated $300,000 of debt. And by her thirties, she achieved a net worth of over $2 million.
All while working part-time hours. That's right, she clocks in just 20 hours a week. She has the free time for hip hop class, yoga, concerts, traveling and eating desserts.
