She takes personal finance personally. Overwhelmed and ignored by traditional advice as a young woman of color, she taught herself not just to talk the talk. She walks the walk, having paid off over $300,000 of debt in three years and is on track to retire in her forties.

Dubbed her "magic recipe" by Good Morning America, she also shares her trademarked five-step Crush Your Money Goals® method as a contributor for CNBC, TIME, and multiple TV and podcast shows.

While she has over a decade of Fortune 100 experience, two bachelors, a masters degree and numerous certifications, she's known more for her refreshing energy, engaging style and relatable messaging.

When she’s not teaching, find her singing karaoke, delving into DIY projects, and eating way too much chocolate with her husband AJ.

Crush Your Money Goals by Bernadette Joy

What It's Like To Be...
What's it like to be a Cattle Rancher? FBI Special Agent? Professional Santa? Find out!

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