How to Negotiate Your Money with Bernadette Joy| Episode 126

Acquania Escarne 0:00

Hey everybody, welcome back to The Purpose of Money podcast. I'm super excited. We have a very, very special guest today on the show Bernadette Joy, and we are going to talk about how to negotiate your money, how to win in 2025 when it comes to crushing your money goals and so much more. You are listening to The Purpose of Money podcast, a podcast where we talk about ways to build wealth and create more freedom in your life. Today, I am your host, Acquania Escarne, that joy is amazing just because she's a part of my FinCon crew. But in addition to that, she is a money all star because she paid off $300,000 in debt in three years and invested a million dollars to reach her net worth number and more in her 30s as a first generation Filipina like let's talk about that a little bit more. She also earned her MBA from UNC Chapel Hill and launched crush your money goals in 2020 which is her educational media platform designed to help people transform their finances and become more confident leaders in making boss money moves. I'm so here for it, and she's also an expert contributor to CNET, CNBC and so much more without further due. Bernadette, welcome to the show.

Bernadette Joy 1:24

Wow. Thank you. Like Wow. She's so good.

Acquania Escarne 1:30

Well, I mean, you made it easy, honey, because your life is definitely worth everything to talk about and to put in a book. So I'm super excited, because today we get to talk about your new book, which we'll get to, but also your money story. So before we hop into the interview questions that everybody wants to know, I always like to get an understanding of your money journey and like, what was money like for you when you were growing up? So let's hit that question first.

Bernadette Joy 2:01

Sure. So Well, thank you for that wonderful introduction. I am my father's eighth of his nine kids, and basically, the story is probably not much different from a lot of other folks who are growing up in America, which is like, we ain't got no money, so don't ask for things and and what was interesting for me, in particular, though, was that I found out later that my father actually made kind of decent money, but because he had, you know, nine kids, and all of us, you know, were supposed to go to college and, you know, all get good jobs and all that, you know, he didn't have a lot of money, just like laying around, right? So I think one of the things that is really important that I look back at hindsight was the idea that you know, if you work really hard and you don't let people know what your problems are, you'll be successful. And actually, I found out later that working hard will only get you burned out without really a purpose, which is why I'm so glad we're talking about the purpose of money and mental health was really not a topic at all within my household, even though I found out later that my mom was, you know, diagnosed, diagnosed with bipolar. I didn't know it as a kid, right?

Bernadette Joy 3:14

And so you you have this combination of, you know, immigrant pride, undisclosed mental health challenges, and the idea that just working for a big company is what's going to be your savior, working for the man and and so that's what I grew up with. And then I went to college in Boston. I got not one but two degrees because I was told, like many women of color like you know, your ticket to success is having not one, but two, maybe even three degrees, which is what I have, which led to me getting into a ton of student loan debt, which I'm sure we'll talk about. But yeah, that that for me was the idea that, you know, all this, these things that we're told that the American dream is, you know, getting a good education, getting a good job, buying their house, having the 2.5 kids and the dog, I ended up doing none of that, and I've been spending the later part of my 30s unwrapping the fact that I am probably still a good, you know, worthy person, even though I didn't follow what my parents said I should do.

Acquania Escarne 4:18

Oh, my God, there's so much to unpack there, because I can totally relate. Um, I'm not, I'm not well, I guess I am first generation from my dad's side, because my dad is from Panama, he came here at six, and my mom is from Brooklyn, New York, but she and him met in middle school and then got married, right? And so my dad had a similar mentality initially, like, work really hard, because he saw his great grandfather had multiple jobs. My great grandfather was a superintendent, a principal. He worked for the post office. He had rentals and real estate that he would collect income from. But he literally was, like, working a whole bunch of jobs, and that's how he was able to afford the. Investments he made. Then he was a huge pillar in the community. So he had other things that he was always doing. And I grew up to think the same thing. I went to college, I got two degrees, and then I went to get a master's degree, because they were like, work hard, work hard. But they also had that entrepreneur spirit, even if they didn't fully embrace it themselves. Well, my mom did. I was raised by a full time entrepreneur for the most part, but my mom, I called her, the entrepreneur who did okay, but she had days where money wasn't so great, and she never grew her business to the level it could have been, because she tried to do all the things right.

Acquania Escarne 5:37

So I love my mom for teaching me grit and what entrepreneurship looks like. But she also showed me like, hey, when you become an entrepreneur, hire a team scale, get a coach do things to help you do better, so you're not like burned out, like we talked about, right? And definitely mental health things throughout my lifetime, but not knowing what they were called, because in the black community, it's like, girl, get up, do what you gotta do. You don't have time to be men's, you know, resting, recovering, whatever it may be. So, like, I can totally relate to the money trauma, and I call it money trauma, just because it's stuff that we grew up to know as how we should handle money. Get More jobs, get a degree, get an education and then this job is going to finance your lifestyle for life, right? Finally came to realize we'll talk about how you got to this aha moment, that really we can define our own income if we, you know, structure our life the way we want it to be, and find the right business. So you and I met last July in fincons, women and money Summit, and you were my coach for a day, and I was just so impressed with how you've chosen to approach your life between creating the lifestyle you want, um, choosing to invest so that you can work less. So these are some of the things I definitely want to talk about today. So today. But before we hop into that, like, tell me about your aha moment, because you mentioned you got two degrees because that's what culture said to do, but then you ended up in a whole bunch of debt. At what point did you say? I'm not going to be in debt anymore. I want to get my money right.

Bernadette Joy 7:19

Uh, it was, uh, nine years exactly around this time, and I was in my last semester of my MBA program, and it was a very expensive degree. It was about $120,000 I know, and I went to go look at my student loans, and I was a working professional at that time, and so I was paying some along the way. So I was thinking, like, it can't be that much, because I've been paying I've been sent checks, you know, this this whole time. And so when I saw that I still had $72,000 and it was earning interest daily, which I totally did not read the fine print about that. For some reason my brain, I was thinking like, oh, it a little start after cop, like, after I graduate from the MBA program. But no, it started accruing the day that I took out the loan. And so when I saw that, I was literally floored, as in, I dropped out of my death my desk chair, I fell to the floor, and I just started freaking out, just literally freaking out. And the context of this is this was happening while I was in class, in session. So this is I was doing my one of my classes online, and I was in this, I think it was a marketing class, and so the teacher was just being really boring. The professor was kind of being boring. I was like, let me go check what's going on my student loans, because this is my last class, and I haven't looked at it at all. I have 10 weeks away from graduation. So when I saw that, I wish I had the video in hindsight, because I'm pretty sure there's a bunch of little boxes, like on Zoom, and then you just see me just drop out of the the window, just like, disappear, right? So you know, when I say that I was overwhelmed. I really, really understand how people feel when they say I'm completely overwhelmed by my personal finances, because I've never been in that much debt before. I was lucky enough for my undergrad that I had gotten, I had chosen to go to a school where I had scholarships, but for grad school, I had to pay for that entirely on my own. And it kind of dawned on me at that time. I was like, Wow. I thought this degree was going to be the silver bullet to me understanding what my next career move is going to look like, and I'm going to just have all these amazing connections, and I'm going to build this business. And I'm 10 weeks away from graduation, I'm like, I feel none of that. All I feel is dead. So I, as the story goes, I walk over to my husband. He was watching TV while I was in class, and I'm like, I, you know, excuse my language. I effed up, right? I said, I said, him, I really effed up. He's like, What are you talking about? I'm like, I'm 72,000 student loan. I have no idea that I signed up for that much, and I don't have a clear plan on how to pay it off. Because how many of us went to school? Well, I said, Oh, the plan is to go get a great job, but then you're like, wait, it's not that easy.

Bernadette Joy 10:05

You just go get a great job. And his response, if you ever meet AJ, he is the chillest human being on Earth, sometimes to a halt, where he was just like, well, all of our friends have debt, so it's not that big of a deal. Like all like all of our siblings had student loan debt. All of our friends have some sort of debt. Like, it'll be fine, and we're smart, we can figure it out. But I said to him, I was just like, but some of our siblings have been holding on to their student loans for like, 10 years now, and I'm like, I'm not spending another decade just being chained to student loans. And so I made this debt declaration. I was like, You know what? If I may sign up for this amount of debt and have no clue, then I can also declare that I will pay this off and really short amount of time. I still have no clue, but at least I'll try. Right? So the declaration was, I'm going to pay these student loans off in two years, which is hella aggressive, $72,000 in two years. I wasn't even making 30k at the time because I was in a part time recruiter job. So that's more than what I make in a year, right? And you know what I said? Is just like, You know what? And this is where I think my mentality started around personal finance and around entrepreneurship and negotiating all of that, is that if I don't set the bar high here, then I'm not even going to try. So I might as well set the bar high, and the worst case scenario is I'll be probably at what most average people do. So that's where it started, where you decided to when I say we My husband was just kind of voluntold. On this plan, I'm going to pay off $72,000 in two years, which I mapped out was $36,000 a year, which was more than what I made, which is about $3,000 a month, which was about $750 a week, which was a little over $100 a day. And I said, Okay, that's where I'm gonna start. Find my first $100 to pay off towards a set. And that's how I kind of charge along for the first couple months. And I'm sure we'll talk more about actual strategy. The beginning, I was just like trying to do something. That's how I start,

Acquania Escarne 12:02

yes, but that's hilarious, right? Like, in general, guys, if you can't tell, Bernadette has the best personality, in person, presentations, on the stage, all the things, and so I just can't help but giggle when you're talking. I could see that happening. Like,

Bernadette Joy 12:17

Yeah, you can see you totally see that. Yeah,

Acquania Escarne 12:21

Let me, let me check on my student loans. Let's see what else the Internet has for me, right? And then you're just like, so you freaked out. You volunteered the Hubby, which I love that, because I always tell people, you know, things work better when you have other people holding you accountable and working towards the goal. So you volunteered hubby to get on board or get over it. And then what happened? So one strategy was, I love what you said. You broke it down. You didn't just say, Oh, my God, I have to make more than I make a year for two years now to get out of this debt. Most people would have been intimidated by that and given up, but you were like, Nope, I need to make $100 a day. Where do I start? So tell me what was the first thing that you decided to sell or do for $100 a day, and did it work out?

Bernadette Joy 13:10

So I'll, I'll say three things I think would be applicable to most people. Is the first thing I did was I did have a little bit of savings. Because if anything that my parents told have savings in the bank. And because a couple years before that, the reason I even got into the MD in the first place was because I was so overworked in my day job that I ended up with a kidney stone that was big enough to have to get surgery on which but meaning I was like, never getting up from my desk to go to the bathroom or drink water, right? And the reason that's relevant is that when I have that kidney stone, I I got my first foray into the United States healthcare system where I had to pay the deductible, which was $10,000 right? So ever since then, I always had at least $10,000 in the bank to in case something ever happened to me medically that I would need to pay the deductible. That was my thought process, but I did it really what felt like risky thing for me back then, which was, and this is what I teach people now, which was I doing my savings down to just one month's worth of expenses so that I at least have a 30 day emergency fund. I didn't need $10,000 to get through 30 days, and I took the rest of that and threw it at the debt. And what that made me realize was just that, when you start thinking in net worth terms, you know, if you're putting if you have savings over here, and you have, you know, debt on this side, and the debt is leaking out at, you know, $5 a day in interest, the savings is, is just getting washed away in your net worth, right? So the first thing I did, which was scary for a lot of people, and I have to coach a lot of clients on this, is like, if you just have money sitting there and you have debt that is leaking interest out the other side, then don't completely deplete your savings, but keep enough in there to get by for 30 days and. Then start throwing money at the student loans. And so in one kind of decision on that, I was able to knock out the lowest student loan amount, because it was, like, seven or eight different student loans that made up the 72,000 and just getting that, like, Okay, I was able to knock out, you know, like, a $5,000 ish loan, like, pretty quickly, like, help me get momentum. And that's when I use that debt snowball kind of method of just saying, Okay, I understand why people like this. It feels like I could literally cross it up, because I had an actual printout of all of all of my loans, and I could, like, literally cross it off. And that felt so good. So then the second thing that my husband and I did was we just did whatever a lot of other people did, was we started, like, side hustling like crazy. And so back then, you know, when I tell you my husband, I were side hustling like maniacs, like he was doing Uber and I was like, selling jewelry.

Bernadette Joy 15:51

And we were like, this was a fun one. We were extras on television, and didn't really pay that much money, but we're just like this, like, you know, pay me Vita and, like, minimum wage, and I get to just stand around and, like, look at celebrities and whatever, right? So we did things that were at least within our interest. And the best side hustle that came out of that, which then is actually the predecessor for what is now crush your money goals, was I started doing consultations for people's resumes, because I have been in recruiting for so long now, the part that I messed up early, and this is, I say this in that if all of you are waiting to start something until you have the perfect solution, best thing to do is start and you can always course correct. So when I first started doing resumes, I charged people $19 because $20 felt like like. I was just like, I was just like, okay, there. I wanted to make it a no brainer for people. I said, because for me, it didn't feel that hard. I could look at someone's resume in five minutes and just like, exactly what's wrong with it. And in hindsight, this is what I tell especially women of color, we are so used to that idea that we have to learn a new skill set, or, ie, get three degrees in order to make more money. And the things that come really easy to easy to us because we wouldn't pay for it, are the things that were like, Oh, we would never charge someone that for that. And anyone else who's not like a resume expert, would be like, Duh, of course, you should charge for resumes. But for me, I was just like, oh, but it's so easy. Like, why would I charge for this? So I the mistake I made was that I charge $19 per resume. Eventually it led up to being $400 per resume. But at least I started back then, and I started using those $19 so my thought was, okay, I need to find, like, five resumes a day that I could take 15 minutes to mark up and just and I would make my 100 bucks a day. So that was the second thing I did. And then the last thing I did, my husband, I did, which is just like, very cliche in the personal finance world, was, like, we finally got on a budget, like adults, and we figured out that we definitely had money leaking out that didn't need to be leaking out at the time, that we just threw at

Acquania Escarne 17:53

The debt. Oh, man, that is so, so good. But I love it. I love it. And you're so there are so many skills that we do on our day job that we do easily than others, that people would be willing to pay for. And women are constantly telling themselves, no, no one would ever pay me to do this, and they're wrong. Um, so I love that you learned your lesson to increase your price very quickly, because $19 is low, because you gotta think about you're helping them qualify for a going to pay more than that, multiple, multiple, multiple, multiple, 1000s, more than that $19 investment. And so you have to start to put that in perspective. If you correct a resume and they land a six figure job and they used to be in a $50,000 job, a huge increase in their personal net worth and value, right? Assuming they use that money well. So, and I love the fact that you made it fun. So extras, that's a really cool, fun fact, getting paid to be on set, and then also adding to your goal to pay down your debt. And I love the fact that you took, hey, we need a budget, boo, because we don't have one, and that's what adults on the same goal plan do. So I think that's really great advice, especially as people are starting to revisit their finances this year and how they should be doing it. And it's so important, I actually am going to have a free webinar next month about how to handle your money in a relationship, because so many people have different things they do, none necessarily, right or wrong, but it I think life works better when you're on the same accord with your partner, um, so that you can hit these goals together. So that's super awesome. Now I'm not I didn't forget you were going to school to get an MBA. So I want to know, like, after you got this degree, did you get a job and negotiate because baby $30,000 after MBA?

Bernadette Joy 19:50

So I have, like, a weird, you know, compensation history in the sense that I went up and down, like, you're everyone, you know, theoretically, you're supposed to keep going up. Right? But I hated corporate so much that I just kept, you know, switching jobs at the time, thinking that, Oh, if I go to a different company, I'll be better. And I just figured out I'm really just not a corporate person. So why I had, like, a 30 case out at the time was that I decided to do this commission based job as a recruiter that would be flexible enough for me to go to school. So the job itself actually was such a great thing, I'm actually glad that I that it was probably the best job ever for me, because it was the only job I really had that forced me to learn how to negotiate, because I was negotiating other people's salaries for them as a recruiter. And so after my MBA program, I decided that I really, really wanted to start a business because I had this idea during my MBA program. This is a fun fact. A lot of people at personal in my personal finance world don't know this about me, is that my kind of Keystone project in my MBA program was this company I built called dress, which was like a local right the runway where women could rent out dresses, because during my MBA program, I two of my best friends got married while I had this massive amount of student loans. And I love them, but they're like, Oh, I'm getting married in Mexico, and we're having our bachelorette in Canada, and, like, I have the bridal shower, and neither, none of us live and I don't live in the same city as them. And I was like, ladies, I love you so much, but I have $72,000 in student loans, and you're each go, each of you are asking to go to five different events. And you know, back then too, and probably still like, and I didn't feel like I could wear the same dress to these events because of the same group of friends with its two best friends, right?

Bernadette Joy 21:35

So I started this business out of my own selfish need, of like, I need a lot of dresses for Instagram, but I don't want to pay a lot of money, so I started this local business for women to run out dresses. Slowly evolved into me for three years being a personal stylist here in Charlotte to help women get ready for special occasions, like weddings and then like charity galas and stuff and and so I ran that business for three years, from 2016 to 2019 after my MBA. And so the reason that I was so hell bent on paying off $72,000 of student loans in two years was that I loved entrepreneurship so much that I wanted to be able to take some more leaps into my business. But I didn't feel comfortable doing that until the debt was cleared. So I was able to raise my income through through the entrepreneurship piece of it, but when I tell you, I really underestimated how hard a retail business is. You know, working weekends, working nights, like at one point, I had like, 10 contractors working for me. And the thing that I best learned from it, I ended up deciding to shut the whole thing down in 2019 and that's when I went to my first FinCon. Was when I look back at what I loved about the business, was I loved helping women save money. That was, that was a part of it. Like women coming in and hate I could go on. There was probably a whole other story I should I could probably tell about dress, about all the things that women tell me when they're undressing and getting ready for an event that they're like friends are going to be at, you know, like, how many times I've had to help women get like, be like, I gotta look hot because my ex is going to be at the sweating, you know, so, but I don't want to spend $300 in a new dress, Right? So when I look back on it, I learned so many amazing skills entrepreneurs with, like customer service and inventory management and marketing and social media and learning how to be on, like local television. And then when I, when I peel back the layers of like, actually, I can still help women save money, but it doesn't have to be around retail. That's when, in 2019 I went to my first FinCon. I saw Ramit safety on stage. I was like, I think do that. I want to try. And in 2020 that's when we launched Crusher money goals.

Acquania Escarne 23:51

Oh, I love it. And I think you got out just in time, because 2020 we had the pandemic, and people were not going anywhere. So where would they be wearing these fancy dresses I love. Yeah, I really think.

Bernadette Joy 24:02

I honestly I'm not a religious person. But I was like, someone is looking out for me. Because, I mean, I closed that business end of 2019, and then first thing in I remember being in Boston in February and hearing about the first cases of COVID coming to fruition. And I was just like, whoa. I think I just dodged a bullet with this business that was entirely predicated on mass gatherings. Yes.

Acquania Escarne 24:29

Um, yes, yes, I totally agree. And I also appreciate how you were able to see what I try to get people to see all the time, which is when you're trying to create a business or a side hustle, you should write down the things I like to do, the things I know how to do, and see what overlaps and make that what you move forward with. Because what you don't want to do is leave your job and replace it with another job, which is your business, but you hate going to your business. AC, being an entrepreneur a lot more difficult than it needs to. Be and so I appreciate how you're honest about hey, in the retail space, I learned all these things, and then I transformed that into a safe space to teach people about money. So, you know, we cannot finish this conversation without talking about your new book. So tell us a little bit more about your newest addition to your portfolio. I mean, being an author is is so amazing and so and something that a lot of people aspire to do. So tell us a little bit more about what encourage you to now write, crush your money goals, which came out in December, and you should get your copy now, and the link will be in the show notes. Um, what encouraged you to write that book, and what do you think are the two major things people are going to get out of it when they read it? Wow.

Bernadette Joy 25:50

Thank you for that introduction. So I'm gonna see if I get this right. Oh yeah, see the book over there. So crush your money goals. It's also the name of my company, and now the name of the book and I wrote 25 smart habits that I think people need most in order to save, invest and reach financial freedom faster. And what I think is the reason that I decided to write this book was there are a lot of books out there that tell you what you need to know, but I didn't find many books that told you what, told people what they need to do. It felt actually reasonable and tangible. And so even though there's 25 habits in here, they're written in a particular order. And when I tell people to read the book, I ask people to read the book in its entirety, and then go back and pick one habit from each of the five sections and just work on those, the ones that they think make the most sense for their lifestyle.

Bernadette Joy 26:44

Because not all, not all, 25 habits will work for every single person, obviously. And I will brag on the book a little bit. Just last week, Oprah named it one of the top 25 top 10 books for 2025 for personal growth. And what I really loved about the review from the editorial team at Oprah daily is they said, In the beginning, they said there's a lot of books. There's they said there's a bazillion books out there telling you you need to invest and, you know, compound interest and all this jargon. And they said, this book isn't that. This book is a book that people need to read right now in 2025 that actually feels like it will stand the test of time but also be relevant in the current moment. And so I'm really proud of that. And the two things in particular that I would love your audience specifically to look out for in the book, is making negotiation a habit. I actually frame negotiation as a habit, not the thing that you do when you absolutely need to do it. You should be doing it all the time. So that's one. And then the other one that I really have embodied this past year is called Screen list Sundays. And I call this one out in particular because my editor almost told me to take it out of the book. They said, This doesn't feel like it's a personal finance thing, because you're not talking about, you know, investing or, you know, something that you normally hear. And basically the, you know, it's it is what it sounds like, is basically, I encourage people to take Sundays off from all screens, social media and stuff, and reset your brain to remind yourself you're not that poor, you're okay. You have friends that you like, like, go hang out with them instead of just seeing what they're doing on their Instagram feed. And I found that for myself, that for the past, you know, year and a half, I've been locking my phone in my car every Sunday, and I'm just forced to actually, you know, look at my husband and go do show and that has done so much wonders, not only for my mental health, but for our actual finances. Because we're like, oh yeah, let's listen to this record that we bought three months ago and we haven't listened to or, let's go check out, you know, this new event in the city that doesn't cost us as much money as taking a trip on a plane and and so I really love those two habits in particular, because I don't think you're gonna find that in a lot of other books the way that I frame them as money habits. And so I'm really excited for people to pick up the book, not only for my own gang. I think most people know nowadays that authors, unless you're like roommate safety as an example, you're not making a ton of money on on books. The reason I was inspired to write the book is that I wish little to me when I was falling out of my chair nine years ago in 2016 and all I could find at the time was Dave Ramsey. And so this is the book that I'm really excited for people to see that will help them actually implement things, not just being told things that they should know.

Bernadette Joy 29:36

I love it. And guys, please check it out, because from the beginning, it has rich auntie, humorous vibes. And in the book, Bernadette becomes your millionaire mentor, bestie. Really, it's really, really like chill, relatable content. I have it on audiobook as well as you gave me an advanced copy, which I was super excited. Yeah. Um, so definitely. Check it out. The last question. Last question, because the name of the podcast is called The Purpose of Money. I could not have you leave the show without asking you our signature question, what is your

Bernadette Joy 30:11

I'm so glad you're asking me this today, because this is the first time I'm answering that question that way my purpose of money is to cry more. Okay, let me tell you. Let me tell you why. Yesterday, you and I were talking about like we're trying to get this on the books, and I made the bold move of telling people I am taking adult swimming lessons I don't know how to swim, and I've been embarrassed by this fact for 39 years, so I finally bit the bullet and sign up for adult swimming lessons at my local rec center, and yesterday was my first class, and I felt like the it was like the first day of school. I felt like I was a 10 year old all over again. I was like, Oh, my God, am I gonna drown? Are people gonna think I'm a loser? Like, do I need goggles? Like, what do I know? What's happening, right? And I have to say the the instructor was this beautiful, probably maybe in her I've had to guess 15 or 60s black woman, and my only other student was another a lady probably in her 60s as well, another black woman, and the two of them were the most encouraging people. Like, like, just so patient. And so, you know, cheering, cheering me on and and so yesterday, I'm thinking, Am I going to cry right now?

Bernadette Joy 31:32

Um, yesterday, I floated on my back for the first time, like ever in my life, like ever, and my first in my first class. And so I'm looking at the ceiling, and I'm like, have my goggles on, and I was, and I had this real thought. I said, Wow, I might be, I might actually have a shot at saving myself, saving my own life, if, if I ever really needed to, which I never felt before, going into the water. And so, like, so I feel so like silly thing, but I just, like, started crying, like I was, like, floating in this, like, rec center pool, and then, and then, of course, I had this moment like, Oh my gosh. Like, I'm like, oh wait, I'm in a pool of water with goggles on. Like, nobody can tell that I'm crying. And I came back home to my husband yesterday, and I started crying, and I said, Look how you like, did this thing. And I realized that the purpose of money for me is to find more moments like that, where it actually is. It are these moments of joy or relief? So much so that it brings tears to you? That's that's where I am right now in my life.

Acquania Escarne 32:29

That might be the best answer to the question on the show yet, because Bernadette Joy is seeking more moments of joy and doing it by getting her money right. Thank you for listening to The Purpose of Money podcast. For more resources and information, check out my website, thepurposeofmoney.com and while you're there, please sign up for our newsletter so you'll have all the latest information on new episodes and blog posts until next time, keep building generational wealth. You

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