Bernadette Joy answers three most common questions: 

How can I be more disciplined in saving? 

What are the best tools for saving and investing? 

Should I change my investing strategy during a crazy time [like a global pandemic]? 

Her answers are probably not what you would expect.

To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!