Disrupt Your Money

Self-Care, Saving & Smashing Debt with Bernadette Joy

Self-Care, Saving & Smashing Debt with Bernadette Joy

Disrupt Your Money


Published: 25 February 2025 at 12:00 Europe/London

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Episode notes

In this episode of Disrupt Your Money, Meg interviews Bernadette Joy, personal finance author and coach, who shares her inspiring journey of going from $300,000 in debt to achieving a net worth of $2 million. Bernadette Joy discusses the importance of building sustainable financial habits, the power of negotiation, and the release of her book 'Crush Your Money Goals'. Bernadette Joyโ€™s approach to personal finance teaches us that self-care spending is essential, mistakes in budgeting are normal, and your money story is always evolving. 

About Bernadette Joy: 

As the eighth child in her father's brood of nine and a first-gen Filipina-American, Bernadette Joy understands those who feel like they missed the money memo.

Sure, she boasts two bachelorโ€™s and a masterโ€™s, and a decade of Fortune 100 and startup experience. But her real street cred? Paying off a jaw-dropping $300,000 of debt in three years and investing her first $1 million in her 30s! ๐Ÿš€

She's also the CEO of Crush Your Money Goalsยฎ, a personal finance training company serving up education with a side of pizzazz. A top journalist featured in Forbes, CNBC, and CNET and has appeared on more than 50 podcasts, national radio shows, and TV segments.

Her debut book, Crush Your Money Goals, published by Simon & Schuster, is available now and was named one of Oprah Daily's top 10 books for personal growth in 2025! Purchase your copy at EquitableMoneyProject.com/READ or here

Today, she coaches hundreds nationwide, sharing her 5-step secret recipe for ditching debt, mastering savings, and investing for financial peace. ๐Ÿ’ธ

When she's not speaking, she's practicing early retirement: K-Pop, yoga, karaoke, and spoiling her nieces and nephews as their traveling rich auntie.

You can connect with Bernadette Joy on LinkedIn, Instagram, and YouTube

๐Ÿ’ฐโœŠ๐Ÿพ๐Ÿ’ธโœŠ๐Ÿฝ๐Ÿ’ตโœŠ๐Ÿป

This podcast is hosted by Meg K. Wheeler, CPA and Biz Money Coach and Founder of the Equitable Money Project. Meg is on a mission to turn online educators, service providers and coaches from Not Numbers People to Badass Money Makers. Are you ready to Disrupt Your Money? Learn more about Meg here!

This podcast is intended for informational & educational purposes only and is not intended as professional financial advice. 

๐Ÿ’ฐโœŠ๐Ÿพ๐Ÿ’ธโœŠ๐Ÿฝ๐Ÿ’ตโœŠ๐Ÿป

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Song Credit: Midnight Specials by Ash Nino

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