Crush Your Money Goals

Hola Hola everyone!  Stefanie here for her first solo episode… eek!

In this episode, I let you in on how my life has been in massive transition since 2018 as we moved from Texas to Singapore, had two kids and started on an intentional path towards financial independence.  It was over this period that I had a real reckoning with what I wanted to do with my career… because I realised I wanted to do work more aligned to my purpose and values.  

AND I walk you through the exact framework I used to map out my financial independence plan! Yep, that’s right, the 9 specific steps & exact framework that you can download to follow along here at www.womenswealtheffect.com/planner.  

I used this framework to map out how we were going to pay off $420k in debt, invest over $350k in 2021 and 2022, become millionaires in 2021 and how I was going to leave my multi 6 figure job… to help more women like you!  

I cannot wait to hear what your Independence Planner reveals for you! And no matter what it says, I am here to support & cheer you on!

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: 

• Quit Like A Millionaire: BY KRISTY CHEN & BRYCE LEONG https://amzn.to/3ePoCeN

• Get Stefanie’s Monthly Spending Tracker in her mini course: https://bit.ly/kickstartyourmoney

• The Trinity Study explained via Wikipedia: https://en.wikipedia.org/wiki/Trinity_study

• Automate your budget with Mint: https://mint.intuit.com/

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 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/

Welcome to the 6th season of the Crush Your Money Goals Podcast!  

We… yes, that is right, WE are so glad you are here!  

Bernadette introduces you to this season’s co-host, Stefanie Gonzales, the Founder of The Women’s Wealth Effect and they are coming to you from Lisbon, Portugal for this episode!

We discuss how season 6 will be focused on the 4 pillars of the Women’s Wealth Effect: Career, Investing, Health and Community. We hope you are as excited as we are!

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 

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 number. This means we have enough money in investments to become work-optional, according to the calculation traditionally used by the FIRE (Financial Independence, Relax Early) movement. For us, our FIRE number equates to $900,000, which will generate enough income to cover basic living expenses of about $3,000 per month. If you’re working toward financial independence, you should know that you will get there if you stay committed to your goals and investing strategy—even if you mess up a few times along the way, like I did. You should also know what happens next. In this episode, I share four unexpected things my husband and I are doing now that we’ve hit our FIRE number.

It’s the last episode of the podcast! I’m so grateful to you  for listening to this season of the podcast. I hope to see you on social media and at the Crush Your Money Goals bootcamp!

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

Ready to crush your money goals in 2023? Join my 2023 money saving challenge! 

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 firm in 2022!

In this episode, she shares three tips to refresh your home with a designer touch for 2023. She’s one of my favorite humans on earth, you will learn so much from her!

Follow her on instagram at https://www.instagram.com/mariematthewsinteriors/

Ready to crush your money goals in 2023? Join my 2023 money saving challenge! https://www.crushyourmoneygoals.com/freeguide

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 solutions for digital content. She’ll share her learning and development and psychology expertise to help your business be more accessible to more people in 2023!

Grab her free guidebook: https://allaboutaccessibility.com/

Ready to crush your money goals in 2023? Join my 2023 money saving challenge! https://www.crushyourmoneygoals.com/freeguide

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 account @thefirstgenmentor where she's built a community of almost 200,000.

Her mission is to transform how First Gen, and other women of color, interact with money.  As a first gen mentor, she'll share tips to throw out bro-y, jargon-filled money advice that just doesn’t apply to your diverse experience and provide you with real-world, culturally relevant money education that sets you up for financial success. Learn more at Visit www.thefirstgenmentor.com

To grab her investing course: use code FIRSTGEN10 for 10% off investing-for-first-generation-wealth-builders

Ready to crush your money goals in 2023? Join my 2023 money saving challenge! https://www.crushyourmoneygoals.com/freeguide

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 interior design and how you can (and should) take the leap into your dream job.

To learn more about Marisa: https://www.marisawilsoninteriors.com/

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 of $300K of debt and became a millionaire in her thirties.

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

https://www.crushyourmoneygoals.com/freeguide

Check out more about our sponsor Steadily here:

https://www.steadily.com/

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!

Carla, now a Tedx Speaker and author, became educated on how so many people live life in survival mode. The decade-long journey to motherhood recreated her and inspired her to focus on advocacy.

She teaches caregivers to transform from living in hyper-vigilance mode to living a sustainable life as a woman and a person of substance.

In this episode, we share her best nuggets of wisdom on how to juggle it all without losing yourself. To learn more how you can work with Carla, visit https://carlaacarlisle.com/.

Check out more about our sponsor Steadily here:

https://www.steadily.com/

Ready to crush your money goals like Carla did? Grab my free guide of 30 resources I personally curated for you!

https://www.crushyourmoneygoals.com/freeguide

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 she was able to leave the US with her family of 4 and make a financially independent life abroad! You won’t want to miss the gems that she drops on this episode!

Follow Stef on Instagram: https://www.instagram.com/womenswealtheffect/

Ready to crush your money goals? Grab my free guide of 30 resources I personally curated for you!

https://www.crushyourmoneygoals.com/freeguide