Price of Avocado Toast - Episode 209: From Hustling to Healing Your Money Featuring Bernadette Joy

Episode 209: From Hustling to Healing Your Money Featuring Bernadette Joy

Explicit content warning

01/29/25 • 56 min

Price of Avocado Toast

Today's guest is Bernadette joy. She’s an author and fellow money coach helping folks crush their money goals. Bernadette shares her journey around mental wellness and money that ultimately led to her and her husband paying off $300,000 of debt! We have a great conversation about renting vs buying and the dangers of believing in one-size-fits-all narratives. Enjoy!

In this episode, we chat about:

The evolution of personal finance advice
Mental health struggles alongside financial struggles
Habit change vs. Consuming information

MENTIONED IN THIS EPISODE:

Empowered Money Academy

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

She's also the CEO of Crush Your Money Goals®, a personal finance training company serving up education with a side of pizzazz. She's featured monthly in Forbes, CNBC, and CNET and appeared on more than 30 podcasts, radio and television shows.

Sure, she boasts two bachelors and a master'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! 🚀

Now she works 20 hours a week to focus on her financial freedom on joy: K-Pop, yoga, karaoke and spoiling her nieces and nephews as their traveling rich auntie.

Her highly anticipated first book published by Simon & Schuester is slated to drop in 2024 in time for the holidays.

Today she shares strategies so simple, your pet goldfish could understand. She's coached thousands nationwide, sharing her 5-step secret recipe for ditching debt, mastering savings and investing for financial peace 💸

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.

They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!

Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

Previous Episode

Episode 208: Why Banking Locally has Large Impacts with Mishel Kaufman from Redwood Credit Union

On today’s show we talk with Mishel Kaufman, Chief Operating and Risk Officer of Redwood Credit Union. RCU is the bank we are members with and we absolutely LOVE all that they do from a member support lens. We knew we wanted to have one of their leaders on to share about why banking locally matters, and how your support for your local credit union has massive ripple effects within your community. We hope you leave this episode searching for your local credit union so you can find ways to keep your hard earned money in your community. Enjoy!

In this episode, we chat about:

Credit union positives
Benefits of local banking
RCU’s response to natural disasters

MENTIONED IN THIS EPISODE:

Empowered Money Academy

CONNECT WITH TODAY’S GUEST:

Mishel Kaufman: Chief Operating & Risk Officer, Redwood Credit Union. With more than 17 years at Redwood Credit Union, Mishel is now responsible for offering strategic direction and oversight for member experience, call center operations, enterprise risk management, including internal audit, compliance, and enterprise fraud and security, as well as marketing, communications and public relations, and community and government relations. She has a B.A. in political science and administrative studies from University of California, Riverside and an MBA from Claremont Graduate University.

About Redwood Credit Union Founded in 1950, Redwood Credit Union is a full-service financial institution providing personal and business banking to consumers and businesses in the North Bay and San Francisco. With a mission to passionately serve the best interests of its Members, team members, and communities, RCU delivers many ways for its Members to save and build money through checking and savings accounts, auto and home loans, credit cards, digital banking, business services, commercial and SBA lending, and more. Wealth management and investment services are available through Redwood Wealth Management and insurance and auto-purchasing services are also offered through RCU Services Group (RCU’s wholly owned subsidiary). RCU has more than $8 billion in assets and serves more than 485,000 members with full-service branches from San Francisco to Ukiah. For more information, call 1 (800) 479-7928, visit redwoodcu.org, or follow RCU on Facebook, Instagram, X, and LinkedIn for news and updates.

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

Next Episode

Episode 210: The One Decision That Boosts Your Success Rate to 95%!

Today’s episode is a breakdown of one of our favorite words: accountability. We recently heard some data regarding accountability and statistics that show what accountability can actually do, so we did a dive into the data to bring you some clarity on it all. We talk about a fascinating result of how accountability helps people and share why we believe financial coaching could be just the piece you need to find success on your money journey. Enjoy!

In this episode, we chat about: