Dear Bernadebt Joy

Dear Bernadebt Joy

Hosted by: Bernadette Joy

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...


4 Major Money Mistakes I Wish I Avoided

Season #4 Episode #1

If you’ve made big money mistakes before, it’s never too late to recover from them! The beauty about money is that even when you lose it, there’s plenty more to be made. In this episode, I discuss the 4 major money...
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3 Simple Rules To Save More And Pay Down Debt

Season #4 Episode #2

I learned that if I completely deprived myself of everything I enjoyed spending my money on, staying on my debt-free journey to millionaire status was not going to last very long. Finding the balance between living...
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What To Do When Your Parents Need Financial Help

Season #4 Episode #3

According to a 2021 Fidelity study, 40% of caregivers have experienced financial setbacks due to their responsibilities. In this episode, I share my experiences as a first-generation Filipina American constantly at...
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4 Ways Being A Landlord Costs More Than You Planned

Season #4 Episode #4

Rental properties are a popular investment tool on the way to financial freedom, but owning and maintaining rental properties are two very different things. In this episode, I share 4 ways that being a landlord can be...
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4 Truths you need to hear about your money goals (from a debt free millennial millionaire)

Season #4 Episode #5

This episode was a huge milestone for me. It was the first time I got on stage in front of 1,500 OTHER personal finance experts to school them about… money. I have never been so nervous in my life! But here’s feedback...
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She Left The US And Pursued Financial Independence

Season #4 Episode #6

Meet Stef (she/her/hers), Career Coach and digital creator who helps career women build wealth! She’s a Latina Millionaire who paid off $420k debt, and my Instagram friend turned real life friend! She’s #goals because...
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Self-Care Isn’t Selfish: A Reminder to Women

Season #4 Episode #7

Self-care is necessary and brave AF! Meet Carla Carlisle, one of my favorite Crush Your Money Goals alum who paid off six figures of debt in our work together! In this episode, we share her best nuggets of wisdom on...
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Decorating Your Home On A Budget

Season #4 Episode #8

Champagne taste on a beer budget? Crush Your Money Goals alum Marisa Wilson is sharing how you can decorate beautifully without breaking the bank. She also shares her big leap from non-profit world to the world of...
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Throw out the bro-y money advice in 2023

Season #4 Episode #9

Giovanna aka Gigi is financial educator and TikTok influencer featured on The New York Times, Mitu and Business Insider. She teaches financial literacy and career readiness at various organizations and on her TikTok...
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How To Grow Your Audience In 2023 With Accessible Content

Season #4 Episode #10

You will reach more of your audience by incorporating accessibility with your online content, and my guest and Crush Your Money Goals alum, Laurie, can help you get there! Laurie Necasek is an expert on accessible...
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How to Live More Luxuriously in 2023

Season #4 Episode #11

Marie Matthews is a luxury residential Interior Designer based in Charlotte, North Carolina. She’s also a Crush Your Money Goals ROCKSTAR who paid off over $30,000 of debt and left her day job to start her own design...
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What happens when you finally reach your Money Goals

Season #4 Episode #12

We did it! After five years of painstakingly managing our budget, growing our income, and paying down $300,000 of debt, my husband and I reached a goal I thought would take us at least another decade. We hit our FIRE...
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