Crush Your Money Goals

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 I got from one of my favorite podcast hosts:

“Oh my god @bernadebtjoy inject this energy in my veins!!! This woman’s talk just straight up changed my wife’s life. I cannot wait to see this growth and FLOW! Forever grateful.” -Justin Brown-Woods, Co-host of Price of Avocado Toast

Listen in to the 4 truths about your money goals (that even money experts needed to hear)

I’m doing a YouTube Premiere of the full video from FinCon tonight at 8PM ET! Join us for the live (20 minute) watch party! https://youtu.be/9if6m3BJERM

We are so excited to introduce you to Janine Firpo, a values-aligned investor, angel investor, and social innovator. In 2017 she left her 35-year career in technology and international development to focus on how women can create a more just and equitable society through their financial investments. In 2018 Janine launched a club to help women invest all their assets – from cash to public equities to private investments – in ways that align with their values. AND she is the author of Activate Your Money.

In this episode we explore:

• How ESG investing (stock market) is performing better than the S&P500
• Why women are better at investing
• What ESG investing actually is
• Why ESG investing isn’t perfect
• How to use other asset classes to invest in efforts more aligned to your values
• How to become a “constant learner” when it comes to money & investing
• What Investment Clubs are
• The power of Women working together to make investing more accessible!

How you can find Bernadette & Stef:

• Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/
• You can grab Bernadette’s FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide
• Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/
• You can download Stefanie’s FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner

Resources from today’s episode:

• How to research the ESG rating for a Stock: https://www.asyousow.org/
• Invest for Better Website: https://investforbetter.org/
• Activate Your Money: https://www.amazon.com/Activate-Your-Money-Invest-Wealth/dp/1119777089
• To receive $50 off Seeking Alpha + free 7 day trial: https://www.sahg6dtr.com/2LMRW6M/R74QP/

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 mistakes I wish I avoided, and how you can avoid them yourself (or what to do if you’ve already made them).

Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals®, an academy that helps burned out professionals build their escape plans to financial independence, the same way she paid off $300K of debt and became a millionaire in her thirties.

Want 30 resources to start crushing your money goals? Grab the free guide here:

https://www.crushyourmoneygoals.com/freeguide

Imagine almost missing out on an eye-opening conversation because of preconceived notions! In this episode, Bernadette Joy and Stefanie sit down with George Kamel, a Dave Ramsey personality, to discuss financial independence from a fresh perspective. George shares his journey from being a debt-ridden millennial to achieving millionaire status, discussing the importance of learning from diverse perspectives, unlearning toxic money habits, and embracing intentional financial management.

In this episode, you will learn the following :

• Unlearning harmful beliefs like the need for credit scores and glorifying debt
• Transitioning from a "YOLO" (You Only Live Once) mindset to "JOMO" (Joy of Missing Out)
• Dealing with social spending pressures and setting boundaries with friends
• The difference between job hopping for financial gain and building long-term career stability
• Addressing common objections to the baby steps and proving their timeless effectiveness.
• The concept of "enough" and the struggle to find contentment while remaining driven.

Episode Timeline:

[00:01:48] - Immigrant values and financial beliefs.

[00:05:18] - Unlearning toxic money habits and embracing budgeting.

[00:12:29] - Social pressures, setting boundaries with friends

[00:15:43] - Benefits of deep-rooted career development.

[00:19:13] - Advocating for oneself, and overcoming financial challenges in toxic situations.

[00:24:10] - Defining “enough” and the challenges of being present.

[00:29:24] - Hope versus cynicism

Learn more about George Kamel:

Instagram: https://www.instagram.com/georgekamel/

YouTube: https://www.youtube.com/@GeorgeKamel

Website: https://www.ramseysolutions.com/george-kamel

Learn more about Stefanie Gonzales and the Women's Wealth Effect:

LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa

Instagram: https://www.instagram.com/womenswealtheffect/?hl=en

Facebook: https://www.facebook.com/Womenswealtheffect

Early Retirement Planner: https://www.womenswealtheffect.com/planner

Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free

Learn more about Bernadette Joy and the Crush Your Money Goals:

Order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638

Website: https://www.crushyourmoneygoals.com/

10 Money Tools: https://www.crushyourmoneygoals.com/freeguide