Tired of feeling financially stuck?
Do you feel like your money is playing hide-and-seek, and you're always "it"? For example:
- đ You're earning, but your money isn't doing any of the work.
- đ Got a sinking feeling when you look at your money plan?
- đ Big life decisions knocking, but your wallet's like, "Who invited you?"
- đ Money advice enters one ear, exits the other. It's overwhelming to parse through all the noise.
- đ«Â You have a dream, but you don't feel like you can afford it right now.
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But what if a money master started the work for you and you just have to follow the plan? I created this checklist for you to walk through step-by-step the tools, knowledge and resources that I know can help you reach your money goals!
(The same way I paid off $300,000 of debt in 3 years and saved enough to retire by 40).
In five weeks, you'll feel more confident knowing the advice and tools will work. This is a the perfect, FREE way to kickstart your money journey with zero risk.

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

Drop your name and email below to get
YOUR 2025 CHA-CHING CHECKLIST
A step-by-step plan to overcome the overwhelm of starting your money journey.Â
About Bernadette Joy
Bernadette isn't your typical financial expertâshe's a powerhouse with real-world experience. With two business degrees and a background in psychology, Bernadette knows how to blend academic knowledge with street smarts.
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!)
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 $1 millionâall while working part-time hours. That's rightâshe clocks in just 20 hours a week.
