Crush Your Money Goals

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!

Season 7 Episode 11: New Beginnings: Empowering Lessons from Quitting with Confidence
Oct 2, 2024 – 48:08
Season 7 Episode 10: Frugality, Mental Health, and Financial Freedom
Sep 27, 2024 – 26:12
Season 7 Episode 9: Breaking Barriers: Path to Wealth, Worth, and Well-Being
Sep 18, 2024 – 39:27
Season 7 Episode 8: The Power Of Enough: Unlearning Bad Money Habits
Sep 11, 2024 – 35:09
Season 7 Episode 7: Transforming Fear into Power
Sep 4, 2024 – 35:20
Season 7 Episode 6: Empowering Women for Financial Independence: Navigating Divorce
Aug 28, 2024 – 35:20
Season 7 Episode 5: Transforming Your Career and 401(k) Strategy
Aug 21, 2024 – 34:15
Season 7 Episode 4: How To Turn A Sabbatical Into A Business And Quit Your Day Job (with Giovanna Gonzalez)
Aug 14, 2024 – 36:17
Season 7 Episode 3: How To Be Ambitious Without Losing Your Authenticity (with Mandi Woodruff-Santos)
Aug 7, 2024 – 39:35
Season 7 Episode 2: How To Quit The American Dream And Becoming Financially Lit (with Jannese Torres)
Jul 31, 2024 – 39:49
Season 7 Episode 1: How to Quit with Conviction
Jul 24, 2024 – 28:04
Episode 12: Anti-Goals: The Rebellious Guide to Crushing Your Goals in 2024 (Season Finale)
Nov 28, 2023 – 40:30
Episode 11: Partners in FI: Our Husbands' Perspective
Nov 21, 2023 – 33:36
Episode 10: SkillPop: A New Way to Build Community and Connect with Others
Nov 14, 2023 – 32:07
Episode 9: FinCon2023 Live: Estate Planning with Stef's Mom - A Conversation About Love, Legacy, and Financial Security
Nov 7, 2023 – 37:19
Episode 8: FinCon 2023 Live: The Women in Money Mastermind & Community Experience
Oct 30, 2023 – 40:54
Episode 7: Career Effect Series: How Santana Overcame her Limiting Beliefs to Unlock a Life Aligned
Oct 24, 2023 – 01:01:03
Episode 6: The RSU Millionaire: How to Build Wealth with Restricted Stock Units
Oct 17, 2023 – 16:16
Episode 5: The Power of Money: How to Use Your Financial Resources to Make a Difference with Tanja Hester
Oct 10, 2023 – 29:48
Episode 4: The Millionaire Renter: How to Leverage Real Estate to Build Wealth
Oct 3, 2023 – 28:17
Episode 3: The Financially Empowered Woman: Forecasting Your Future with Stefanie
Sep 26, 2023 – 24:44
Episode 2: The Future is Female: How Women's Financial Empowerment Can Build a Better World with Janine Firpo
Sep 19, 2023 – 41:46
Episode 1: Crushing Your Money Goals with The Women's Wealth Effect
Sep 12, 2023 – 32:26
What happens when you finally reach your money goals
Jan 31, 2023 – 15:37
How to live more luxuriously in 2023
Jan 24, 2023 – 22:39
How To Grow Your Audience In 2023 With Accessible Content
Jan 17, 2023 – 20:13
Throw out the bro-y money advice in 2023
Jan 10, 2023 – 22:46
Decorating Your Home On A Budget
Dec 13, 2022 – 22:01
Reminding Women That Self-Care Isn’t Selfish
Nov 29, 2022 – 23:25
She Left The US And Pursued Financial Independence
Nov 15, 2022 – 23:49
Four truths you need to hear about your money goals (from a debt free millennial millionaire)
Nov 1, 2022 – 22:34
Four Ways Being A Landlord Costs More Than You Planned
Oct 18, 2022 – 25:29
What To Do When Your Parents Need Financial Help
Oct 4, 2022 – 21:08
Three Simple Rules To Save More And Pay Down Debt
Sep 20, 2022 – 12:20
Four Major Money Mistakes I Wish I Avoided
Sep 6, 2022 – 15:07
How Are You?
Jul 6, 2021 – 28:54
Building Wealth Within BIPOC Communities
May 18, 2021 – 22:28
Dear AJ
May 4, 2021 – 48:00
Can I really be a millionaire?
Apr 20, 2021 – 32:11
Why (and if) you should get rid of your mortgage
Apr 6, 2021 – 19:48
Stop scrimping! Spend on whatever you freaking want
Mar 23, 2021 – 32:20
Most people mess this up on saving and investing
Mar 9, 2021 – 32:11
Negotiating Your Salary as a Woman
Feb 23, 2021 – 26:24
Two Things Might Be Preventing You From Building Wealth
Feb 9, 2021 – 15:50
Should I stop investing to pay off debt?
Jan 26, 2021 – 17:38
How to be less stressed about money
Jan 12, 2021 – 20:07
Why I Closed My First Business
Jan 1, 2020 – 09:49
What Business Taught Us About Women
Jan 1, 2020 – 21:50
Protecting Your Business Brand
Jan 1, 2020 – 18:58
Could You Own A Franchise?
Jan 1, 2020 – 19:40

Recent Reviews

FG.06

Hypocrite

She claims to be open-minded but she can’t handle any views that disagree with hers. She threatens dissenting on Instagram with posting your comments in her future presentations. Real professional…give me a break. Don’t waste your time.
A Comedy Podcast Fan

Crushing it

Bernadette Joy is unlike any other financial expert I’ve ever heard. She pulls no punches and her advice and experience are rooted in real-world experience. She helps you set and achieve realistic goals on your way to your own financial freedom. Fire, indeed.
Marie 🦚

Obsessed!!!

Finally a money and finance expert that isn’t intimidating, patronizing, or pompous! Bernadette brings real life money advice while being engaging, fun, and giving steps to building wealth and crushing debt that have helped me immensely!
societyhillmom

Simply incredible!

I am so happy I discovered Bernadette’s podcast! I have been a fan and follow her on social, but the podcast brings me so much extra advice and tips to really help me keep on track with finances. Thanks for bringing such a fab energy and so much insight!!
kjojefferis

Refreshing, Authentic, and Inspirational

Everything Bernadette is involved with, turns to gold. But it wasn’t without lessons along the way. She shares real life lessons in business and personal lives. Very relatable!
Jackie LG

Uplifting during a time I needed it most!

I discovered Crush this Debt through a local Charlotte women's facebook group and its given me a much more positive outlook at my financial situation! Bernadette's story was the gateway for me to start listening to Dave Ramsey & Rachel Cruze and I can't wait to see what my husband and I can accomplish with all of the info we have absorbed. Please keep recording new material, it keeps me motivated!!!!
phojomama

Love the Layout of Season One

Love to hear from someone else on this journey! It was like a digestible audio book in a podcast. Loved hearing your story, thanks for sharing your personal journey out of debt!
Frankie 💁🏽

A great lighthearted way to talk on a taboo topic

I loved every episode. I listened to the whole story in one day. It’s very inspiring and lets people see the benefits of paying off debt, and even the benefits of the process. I’m a Financial coach in Tampa and it’s great to feel connected to like minded people wherever they are in the world. Bernadette Joy and AJ, thanks for sharing your story. I wish you both continued success!
poco2929

Real life example of tackling debt

I personally know Bernadette and AJ and absolutely love this podcast. Bernadette shares how she had no idea how much student loan debt she had and then how she tackled it with her husband. She provided real, practical advice on what it looked like for them in terms of sacrifice, budget, etc. My favorite episode is about family because I think not enough people talk about $$! The episodes are quick and funny and I love how authentic Bernadette and AJ are.
bpdevil

Must listen

Crush This Debt is a practical, engaging, and open & honest story about a topic that affects all of us. Anyone thinking about taking out a loan / credit, is currently struggling with financial issues, or has in the past would benefit from listening. My debt is fortunately in my past, but Bernadette & AJ’s candid story of the difficulty sharing their situation with family encouraged me to share my struggles with my own mother. Thanks guys!
The GohJo

Funny, Light and Informative!

Crush This Debt is a great podcast about one couple's story of paying off $72k worth of student loans in under two years. It's super informative about how she did it (budgeting, sacrifices, setting goals), and also about the importance of communication. Plus it's easy to binge listen!