Speaker 1: Hey, b a fam, It's Friday. Y'all know what time
Speaker 1: it is. It's time for the b a qa a,
Speaker 1: the b a q a What you say the v
Speaker 1: a q a with Manda, the b a q a
Speaker 1: the b a q a A b a fam Happy Friday.
Speaker 1: I'm kind of getting used to singing that song. I
Speaker 1: kind of like it. I might need to lay down
Speaker 1: a track like I might just need to like you know,
Speaker 1: get in the booth, you know what I mean, Like
Speaker 1: get in the studio, do my man in the garden
Speaker 1: like Kendrick Well, b a fam. I am thrilled because
Speaker 1: I don't know about y'all, but when I do ba
Speaker 1: QA solo, I just miss Tiffany so much because talking
Speaker 1: to myself and answering questions, I just miss having another
Speaker 1: perspective because I know for a fact I do not
Speaker 1: know everything. So I'm excited. I feel like in this
Speaker 1: new chapter of ba I want to do more guests
Speaker 1: on QA days, just like another brain partner. And I
Speaker 1: could not feel luckier than to have and more excited
Speaker 1: for you guys than to have my pal. The new
Speaker 1: author s of her book Baby Crush Your Money Goals,
Speaker 1: We have Bernadette Joy in the house. Welcome to the
Speaker 1: show again. Is this your first time?
Speaker 2: I can't remember my first.
Speaker 1: Time because we've talked. I mean, shoot, I can't even
Speaker 1: I'm like when it's all blurred. But welcome to the
Speaker 1: BA Studio. Bernadette.
Speaker 2: Thank you.
Speaker 3: I know it feels weird to say it's the first
Speaker 3: time because you and I feel like every time we
Speaker 3: talk it could be a good podcast episode.
Speaker 1: So right, that's when you know you got a good vie.
Speaker 1: That's when you know you got a good vibe going.
Speaker 1: It's like, let's get the core.
Speaker 2: This is juicy.
Speaker 1: I know.
Speaker 2: I love that.
Speaker 3: I will tell you that my be a success story
Speaker 3: is one of my longtime clients messaged me two years
Speaker 3: ago and she was just like, I heard Mandy mentioned
Speaker 3: your name on the podcast you have made it. I
Speaker 3: was like, oh my god, I have made That was
Speaker 3: after finn Con in twenty twenty two, and so've you
Speaker 3: said my name that time before, But this is the
Speaker 3: first time I'm here.
Speaker 1: In the flesh. Oh that was such a special fin
Speaker 1: Con for me. It was my first it was my
Speaker 1: first big outing after having a kid, professionally and starting
Speaker 1: my business. So yeah, me, you all the like Jeanie Nace. Yeah,
Speaker 1: everyone hanging out. It was amazing. But I've just really
Speaker 1: loved to be like a fan of yours and love
Speaker 1: to watch sort of your journey professionally, and it just
Speaker 1: doesn't strike me that you're afraid to try anything and
Speaker 1: to like, you know, even this whole era you're having
Speaker 1: as the hostess with the mostess and hosting all the
Speaker 1: finn Con events and really becoming like almost a legend
Speaker 1: or just like a leader in the fin Con financial
Speaker 1: educator community, and I just think it's awesome. In the book,
Speaker 1: you guys, Crush Your Money Goals, what's our subtitle? Twenty
Speaker 1: five smart money Habits to save invest in fast track
Speaker 1: your financial freedom. Thanks for coming burnand out. Okay, So
Speaker 1: for people who are not have not been your fan
Speaker 1: for as long as I have, give us a quick recap.
Speaker 1: How come you wrote a Crush your Money Goals book?
Speaker 1: What's your story?
Speaker 3: So? How come I wrote the book was because I
Speaker 3: got lucky that someone found me, a publisher found.
Speaker 2: Me to write the book.
Speaker 3: But I have been writing this content for the past
Speaker 3: eight years now, in twenty sixteen, so I am burned
Speaker 3: at joy. I am the founder of Crush your Money Goals,
Speaker 3: so the same name as the book. And I started
Speaker 3: my personal finance journey in wanting to pay off my
Speaker 3: student loans, and it led my husband and I to
Speaker 3: pay off three hundred thousand dollars of debt and become
Speaker 3: completely debt free now for the past five year years
Speaker 3: and building our first one point eight I looked it
Speaker 3: up this morning, one point eight million dollars of net
Speaker 3: worth invested and having a chunk of savings. Where my
Speaker 3: next chapter, alongside being an author, is I want to
Speaker 3: work on becoming an angel investor, specifically in communities of
Speaker 3: color and for women, because we already know this that
Speaker 3: we're not getting enough investment, and I want to be
Speaker 3: able to pay it forward to all of the women
Speaker 3: who have helped support like you support this this.
Speaker 2: Growth for my personal journey and my professional journey.
Speaker 1: That's amazing. You're not the first person I've heard who's
Speaker 1: like and my next act, my third act or you know,
Speaker 1: after I've sort of become a seasoned entrepreneur is to
Speaker 1: become an investor. I've heard Tiffany talk about it. I
Speaker 1: I've heard Less from Pounds Black Girl talk about that,
Speaker 1: and I love that you guys have given me something
Speaker 1: to think about too. I'm like, oh, okay, so let's
Speaker 1: just skip past the part where I become incredibly well
Speaker 1: health and just consider it inevitability and that's come. Yeah,
Speaker 1: that you'll be able to turn around and pour in
Speaker 1: so great. I love that you're ahead of me in
Speaker 1: that regard and I'm just excited to follow you there.
Speaker 1: You don't just have the book, though, you also have
Speaker 1: the Crush Money Crush Club. Yes, the Crush Club. Okay,
Speaker 1: so how can people find out about that? And like,
Speaker 1: what do you get from that community? Yeah?
Speaker 3: So the Crush Club, if you decide to pick up
Speaker 3: the book. In there, you'll see multiple success stories and
Speaker 3: it's from the initial part of the Crush Club, which
Speaker 3: is what we call the Crush boot Camp. So we
Speaker 3: have an intensive ninety days where I walk people through
Speaker 3: the five steps of Crush and actually get their plans together.
Speaker 2: And I am one of what I learned is I'm
Speaker 2: one of a.
Speaker 3: Few financial coaches that will actually sit down with you
Speaker 3: one on one and walk through your entire financial picture
Speaker 3: and make sure that you're doing the things that you
Speaker 3: need to be doing and come up with a plan.
Speaker 3: And then people who end up wanting to stay beyond
Speaker 3: the ninety days. Join the Crush Club, where we meet
Speaker 3: every Sunday morning nine to ten am Eastern time, and
Speaker 3: we practice our habits, we hash out our challenges, and
Speaker 3: this year with.
Speaker 2: The book, we're going to be going through the book
Speaker 2: together habit by habit.
Speaker 3: So I'm really looking forward to that next chapter of
Speaker 3: Crush Club because all of these different habits that are
Speaker 3: mentioned in the book were actually informed not just by
Speaker 3: my own experience, but by all of these people who
Speaker 3: I've coached now over the last five years.
Speaker 1: That's incredible and what a great like, what a great
Speaker 1: way to go ahead and do the thing like start coaching,
Speaker 1: start working with clients, and then I feel the same way,
Speaker 1: you're like collecting the case studies, you're collecting the feedback,
Speaker 1: and you're you know, really shaping the I guess you
Speaker 1: can call it curriculum or like the syllabus for your
Speaker 1: your book. And then now the goal the challenges that
Speaker 1: you're doing through Crush Club, and it just it just
Speaker 1: makes so much sense. So that's something that I also
Speaker 1: really admire. So with the Crush Club, you're meeting every
Speaker 1: week and then you have to enroll in the ninety
Speaker 1: Day Challenge basically the ninety day like work through the
Speaker 1: Crusher Money Goals book. So who's the perfect person to
Speaker 1: join this community?
Speaker 3: Yes, selfishly, you know, anyone who listens to this podcast
Speaker 3: would be a great candidate because you're already looking for
Speaker 3: thought leadership, You're looking for a really practical, tangible money advice.
Speaker 3: You are ambitious, and I think, what is really interesting
Speaker 3: to me, and you know what has attracted me to
Speaker 3: following you and Tiffany for a long time is this
Speaker 3: this word of ambition of where there are a lot
Speaker 3: of you and I were even just talking about this
Speaker 3: right before we got on this. There are a lot
Speaker 3: of women that I work with who are highly ambitious,
Speaker 3: but maybe sometimes sometimes to a fault where we don't
Speaker 3: ask for help. And so a lot of the clients
Speaker 3: who have come through the Crush boot Camp have been
Speaker 3: really successful in their own right in some shape or form.
Speaker 3: Maybe they've had really good career success or they have
Speaker 3: already started investing, or they've started a business, but then
Speaker 3: they've kind of hit this plateau where Okay, my ambition
Speaker 3: has gotten me this far, but now I need a
Speaker 3: next level of mentorship and resources.
Speaker 2: That are going to get me to that wealth standing point.
Speaker 3: And so it's been really fun because the Crush Club
Speaker 3: we seem to have attracted right now, there's about fifty members,
Speaker 3: and we intentionally keep it small. This is not one
Speaker 3: of those memberships that it's like, oh, you come in
Speaker 3: and like there's a.
Speaker 2: Thousand people in there.
Speaker 3: I'm an introvert, so I can't do that, So we
Speaker 3: keep it intentionally small around fifty people. And the ideas
Speaker 3: that you continuously roll people in and out until they
Speaker 3: got what they needed. It's not intended for someone to
Speaker 3: be there for the rest of their life because the ideas,
Speaker 3: if I did my job, then I would have helped
Speaker 3: you at this level and then there might be other
Speaker 3: resources for you to get to that next point. So
Speaker 3: I really specifically also found that there's a lot of
Speaker 3: folks who had made good money, so like, you're so
Speaker 3: great at helping people with the negotiation tips and building
Speaker 3: those those book strategies around growing your income. And I
Speaker 3: think where we can we are complimentary is that we provide,
Speaker 3: you know, the habits and the tools and the resources
Speaker 3: on like how to make sure that the money that
Speaker 3: you've already made is being deployed the way that you
Speaker 3: want to and beyond just kind of the traditional advice
Speaker 3: you get of like oh, put into the s and p.
Speaker 2: Five hundred.
Speaker 3: We actually work with people and aligning their investments with
Speaker 3: what they care about IEME with Angel investing.
Speaker 1: Yeah, that's amazing. I'm such a good book promoter. Don't
Speaker 1: you think like you have a publicist like this is
Speaker 1: what they dream of. Show the book, talk about the book.
Speaker 1: We're getting all that out of the way first because
Speaker 1: I want people to get to know you better. Yeah, so,
Speaker 1: BA fan, you got to check out the book. We
Speaker 1: are here for the BA fan and I'm so excited
Speaker 1: that Burnett is here to help me answer y'all's questions.
Speaker 1: So just we're going to do our disclaimer. Okay, me
Speaker 1: and Bernadette are not your financial advisor. We are not
Speaker 1: your financial planners. We're not your stockbroker. We're not your doctor,
Speaker 1: your lawyer, your therapist. We're none of those things. We
Speaker 1: are just two beautiful ladies on the Internet who have
Speaker 1: a little bit of knowledge to share. So this is
Speaker 1: all for entertainment purposes. Please don't sue me. You can
Speaker 1: try to don't see her. Yeah, yeah, this disclaimer just completely,
Speaker 1: you know, like it fixes everything I've been told, full protection,
Speaker 1: full amnesty. All right, we've got a couple of great
Speaker 1: questions from IG, y'all. I have told y'all before that
Speaker 1: in twenty twenty five, I am going to be purging
Speaker 1: the inbox, purging the spreadsheet where we track all these questions.
Speaker 1: There's like a couple hundred, and I want y'all to
Speaker 1: submit new ones. So you got to go to Brown
Speaker 1: Ambition Podcast dot com and click con or submit your question,
Speaker 1: or you can ig on ig slide into our DMS.
Speaker 1: We love getting a DM it's so simple. We're at
Speaker 1: Brand Ambition Podcast where you can email directly Bronambition Podcast
Speaker 1: at gmail dot com. Give me some incredible, juicy questions
Speaker 1: for the new year's from debt to investing, to career, negotiating, relationships, health, whatever,
Speaker 1: let's get you know, let's tackle these together. So today,
Speaker 1: Miss Bernadette, we're gonna start with a question from IG.
Speaker 1: This question comes from listener dart Nishe okay, Dernisia says,
Speaker 1: oh nope, I just read that wrong. This question comes.
Speaker 1: Our first question is going to come from a listener
Speaker 1: from IG called a Gile and Gile we'll go with
Speaker 1: that pronunciation. Okay. So Angile's in a tricky spot, Bernadette,
Speaker 1: she says, I need help. I don't know where to start.
Speaker 1: I just started listening to your podcast. The backstory is
Speaker 1: that I was homeless in twenty sixteen with a teenage daughter.
Speaker 1: I lived off of two credit cards that had a
Speaker 1: total three thousand dollars credit line, and I put everything
Speaker 1: from groceries to gas on my cards. And when I
Speaker 1: got paid my entire track, my entire check went to
Speaker 1: paying them down. My credit score actually increased. Then I
Speaker 1: switched careers and I graduated nursing school in twenty nineteen. Amazing.
Speaker 1: The pandemic hit and I went from being broke to
Speaker 1: making six figures as a travel nurse. My daughter entered
Speaker 1: her dream school in twenty twenty, and since then I've
Speaker 1: acquired more credit cards. Now I have about seventy thousand
Speaker 1: dollars of credit card debt that includes leisure spending, from
Speaker 1: paying for college housing to some medical care. I have
Speaker 1: put it all on my cards. Now I'm dealing with
Speaker 1: the situation where the rates for travel nurses are lower.
Speaker 1: I'm currently making sixty two dollars an hour and working
Speaker 1: thirty six hours per week. My daughter's graduated and luckily
Speaker 1: she has no college debt and a seven to fifty
Speaker 1: credit score. Meanwhile, I have parent plus loans on top
Speaker 1: of my credit cards. My score has taken a drastic hit.
Speaker 1: I would love any guidance in education on how to
Speaker 1: start paying down this debt and rehabilitating my credit score
Speaker 1: and gile woo. So that's a lot.
Speaker 2: That's a lot.
Speaker 1: It's and you know what, honestly, I was thinking while
Speaker 1: you were talking about crush club and like the twenty
Speaker 1: five you cover twenty five habits to start to crush
Speaker 1: your goals, And I was like, is one of them
Speaker 1: just don't have children? Because I can just the way
Speaker 1: that these kids, the way that these kids will come
Speaker 1: for your coins and will have you doing things like
Speaker 1: take out lots of debt to give them the life
Speaker 1: that you imagine for them, the life that you want
Speaker 1: for them. It's so heartbreaking sometimes because I'm like, I
Speaker 1: can see why you made these choices. It feels like
Speaker 1: an investment. Do you have people in your crush club who,
Speaker 1: like you know, who have kids and have found themselves
Speaker 1: in like a similar situation to Angile, And like what
Speaker 1: would you say to them.
Speaker 2: Yes, I've had.
Speaker 3: Interestingly, I've had a couple of different cases that sound
Speaker 3: a lot like angile. One is Okay, first thing is
Speaker 3: I'm Filipino. So everyone in my family is a nurse.
Speaker 1: Okay, I didn't know that.
Speaker 3: Yeah, Philippin we are the large largest exporter of nurses
Speaker 3: in the world. So here's a fun thing for y'all.
Speaker 3: If you visit your local hospital.
Speaker 2: Count how many of the nurses are Filipino. It's probably half.
Speaker 3: So that being said, so, my my mother in law
Speaker 3: was a traveling nurse, traveling physical therapist, and my father
Speaker 3: in law is a nurse.
Speaker 1: Uh.
Speaker 3: And it is a very challenging especially once you said
Speaker 3: traveling nurse. It is a very challenging type of role
Speaker 3: because imagine that you're dealing with, you know, people who
Speaker 3: are not healthy, uh, sometimes in the last stages of life.
Speaker 3: For all these things, and traveling nurses, the reason they
Speaker 3: make more money is because they will often go to
Speaker 3: other hospitals that are low low in staff.
Speaker 2: To basically fill in slots that aren't filled.
Speaker 3: So now imagine that you're going into an understaffed place
Speaker 3: right where they needed people so bad that they're they're
Speaker 3: paying a little bit more money to people will come
Speaker 3: in from the outside, so you have that. Then what
Speaker 3: I heard from the story was she started off with
Speaker 3: I was homeless, right, and I think in twenty sixteen,
Speaker 3: which was not that long ago, which was eight years ago.
Speaker 3: And and you know now that she's had all of
Speaker 3: these different things happening, things are actually in her put
Speaker 3: in her path to help her get out of this.
Speaker 2: But what I heard though, is that.
Speaker 3: She has continued to prioritize one particular thing which she
Speaker 3: mentioned it two or three times in that which was
Speaker 3: the credit score.
Speaker 1: Right. Yeah. I'm almost like, is that the goal? Just
Speaker 1: a good end score?
Speaker 2: And the answer, in my opinion is no, right.
Speaker 1: Uh.
Speaker 2: The you know, she's like, she said, I had a
Speaker 2: terrible credit score.
Speaker 3: I had a bad I still have a bad puss
Speaker 3: with my daughter has a great credit score, but I
Speaker 3: have a bad credit score. I'm like, that's actually not
Speaker 3: the concern, that's the that's the least of your worries.
Speaker 3: And I think that is something that I've also found
Speaker 3: with a lot of communities, particularly I've noticed this in
Speaker 3: the Filipino community. So I can't speak, uh, you you
Speaker 3: can tell me what you've heard kind of in like
Speaker 3: the the black and brown communities, right of, Like this
Speaker 3: credit score thing is like where people pay so much
Speaker 3: attention to and I have to unlearn help people unlearn
Speaker 3: that that is not a measure of wealth. And so
Speaker 3: just as a reminder to this person in particular, a
Speaker 3: credit score does not take into account what your income is,
Speaker 3: It doesn't take into account what your education level is,
Speaker 3: It doesn't take into account how much money you have
Speaker 3: in the bank, all it all. But it measures is
Speaker 3: how good you are at paying back your debt, which
Speaker 3: now we understand why the credit score is really low
Speaker 3: in this case because she has seventy thousand dollars worth.
Speaker 2: Of credit card debt.
Speaker 3: So the crazy thing, and this is something that I
Speaker 3: think a lot of people don't understand, is that for me,
Speaker 3: there was from twenty twenty to like twenty twenty two,
Speaker 3: I was not getting I could not.
Speaker 2: Get approved for a loan.
Speaker 3: Even though I had paid off three hundred thousand dollars
Speaker 3: of debt and was approaching a million dollars of net
Speaker 3: worth because I didn't have a credit score at the time, because.
Speaker 2: I had paid off all my debt and I didn't
Speaker 2: have at the time. Yeah, and I didn't have.
Speaker 3: All my credit history went away when I paid off
Speaker 3: all of those things and closed all those accounts. So
Speaker 3: that just goes to show you that this credit card,
Speaker 3: the credit system is does not care if you're good
Speaker 3: with money.
Speaker 1: Oh my god, I was just ranting about this on
Speaker 1: the last BAQA. I'm like, it's all a scam. And
Speaker 1: you asked about what sort of the black and brown
Speaker 1: community my own dad he became. You know, my dad
Speaker 1: went through oh so many financial struggles. I ain't trying
Speaker 1: to put all his business out there. I'm sorry, Alton Woodruff,
Speaker 1: I've been talking about your shit for so long. But
Speaker 1: he's so proud of his high credit score. Now he
Speaker 1: was able to get a mortgage and he got into
Speaker 1: his house and like all that, and he's very proud
Speaker 1: of it and very like people get emotionally attached to it.
Speaker 1: And I think it's because when you're a grown up,
Speaker 1: there's not really many grades we get anymore. There's not
Speaker 1: like very many like measurements that tell us how good
Speaker 1: we're doing, and so credit score becomes like a proxy
Speaker 1: for a GPA or a final exam. And yeah, so
Speaker 1: I get that. I think that's not the biggest issue
Speaker 1: here either. It's that seventy thousand dollars of debt and
Speaker 1: parent plus loans. So she's basically she's given her daughter
Speaker 1: a clean slate, like seven fifty credit score, no college debt. Fly,
Speaker 1: baby girl, Fly. And now I am carrying the burden
Speaker 1: of this seventy thousand dollars on my back into a
Speaker 1: challenging season in my career. Like she said her, the
Speaker 1: rates for travel nurses have gone down. It was popping
Speaker 1: after the recession. Everyone wanted to be a travel nurse.
Speaker 1: They let me pack the bag real quick. Yes, And
Speaker 1: so for that, I'm just like paying down parent plus loans.
Speaker 1: The only thing that I can kind of find some
Speaker 1: comfort in for her is that it's a federal it's
Speaker 1: a federal loan. It's a federal student loan, which means
Speaker 1: that there should be income repayment plans that you can
Speaker 1: contact your loan servicer and get on top of. But
Speaker 1: as a parent, you are on the hook for that debt.
Speaker 1: It's all on your shoulders. And so I would say, run,
Speaker 1: don't walk, to the to call your loan servicer and
Speaker 1: get enrolled in one of those repayment plans. I was looking.
Speaker 1: I pulled up a little was on my phone. I
Speaker 1: was going to pull up the types they have. There's
Speaker 1: a standard plan, which is like ten years, but then
Speaker 1: you can do like a graduated plan, which is smaller
Speaker 1: payments and then they gradually increase. You can extend it.
Speaker 1: There's an extended payment plan. Now these probably I'll have
Speaker 1: like requirements and eligibility requirements and things like that to
Speaker 1: look into. But there's one that's extended for twenty five years.
Speaker 1: There's one that can reduce your monthly payment to twenty
Speaker 1: percent of your income based on a twelve year plan.
Speaker 1: Then there's just the various income driven repayment plans. So
Speaker 1: there's some options here, but like expecting them to go
Speaker 1: away like that is not just going to happen quickly overnight.
Speaker 1: It's just a lot of debt.
Speaker 2: Yes, it's a lot of debt. Realistically speaking as someone
Speaker 2: who had seventy.
Speaker 3: Two thousand dollars of student loan debt, which is what
Speaker 3: kickstarted also in twenty sixteen. So you know, I will
Speaker 3: tell you that I am definitely feeling your pain on that.
Speaker 3: Here is what I would tactically speaking suggest without having
Speaker 3: seen the ins and outs of this person's full financial
Speaker 3: picture is you need to take In the book, I
Speaker 3: talk about curating your accounts, and so what that means
Speaker 3: is that you literally need to pull every single account
Speaker 3: that you have that is a loan, any sort of
Speaker 3: credit card, You're checking your savings, your investments. I'm hoping
Speaker 3: that you may have been putting something in investments as
Speaker 3: a nurse, because you have access to that a lot
Speaker 3: of times, and pull it all into one place. I
Speaker 3: like to use Monarch Money, not a sponsored thing or anything.
Speaker 3: I just really like their tool, and so you can
Speaker 3: actually see what your true financial picture is. Because she's
Speaker 3: saying that she has this amountain of debt, but have
Speaker 3: no I have no idea how much she has in assets.
Speaker 3: It could be zero, it could be she could have
Speaker 3: at home, she could not, I don't know.
Speaker 2: We don't know yet, right.
Speaker 3: So, once you pull all that stuff into one place,
Speaker 3: two track, so you actually have an accurate picture of
Speaker 3: what your finances are truly and your net worth, then
Speaker 3: I would look at the debt side and I would
Speaker 3: break out each of those parent plus loans into the
Speaker 3: specific loans, so you know, five thousand dollars, five percent,
Speaker 3: ten thousand dollars, ten percent, whatever it is.
Speaker 2: That's what I did with my student loans.
Speaker 3: I had seventy two thousand dollars of student loans, but
Speaker 3: it was actually made up of six different loans. And
Speaker 3: then I would look at all of the credit cards
Speaker 3: and you're not gonna like my answer, friend, but you're
Speaker 3: gonna need to cut up those credit cards. And she
Speaker 3: probably hasn't because she was concerned about the credit score
Speaker 3: more than she was concerned about racking up the debt.
Speaker 3: And I have a very hard and fast role with
Speaker 3: all of my clients. If you even have like ten
Speaker 3: dollars worth of debt on the credit card, you don't
Speaker 3: keep putting more money. You don't keep putting more transactions
Speaker 3: through that credit card until you clear it out. So
Speaker 3: what ends up happening with a lot of my clients.
Speaker 3: And this has been really rough in the last two years,
Speaker 3: specifically because interest rates when we're going up that it
Speaker 3: was manageable at one point, but now they're snowballing because
Speaker 3: the credit card interest rates are like twenty three twenty
Speaker 3: four percent on average right now, I'm seen as high
Speaker 3: as thirty percent.
Speaker 2: On credit card period.
Speaker 3: Right They're like a payday loan at this point, right, So, so.
Speaker 2: You're not gonna love this answer, but you're gonna have to.
Speaker 3: We're going to have to get your alliance off of
Speaker 3: these credit cards, which is very very easy for me
Speaker 3: to say, but harder to do if you're someone who's
Speaker 3: come from a background of having been homeless, right and saying, now,
Speaker 3: I'm going to cut off this thing that probably got
Speaker 3: me out of some of buyings in the past. But
Speaker 3: the same mechanisms that you used to use to, you know,
Speaker 3: get through three thousand dollars, it's not the same mechanisms
Speaker 3: you're going to use to get out of seventy thousand
Speaker 3: dollars now. And so I would say, once you have
Speaker 3: an idea of what each of these credit cards and
Speaker 3: how much the interest rates are and how much you
Speaker 3: have in each of those, is you tackle the credit
Speaker 3: cards first, a credit card by credit card. And I
Speaker 3: am a big proponent of doing the snowball, because in
Speaker 3: your case, it sounds like you're very overwhelmed. And when
Speaker 3: I have clients who are overwhelmed, we're not trying to
Speaker 3: do math right now, We're just trying to We're just
Speaker 3: trying to like get momentum and work on just paying
Speaker 3: that lowest credit card first to start building some momentum
Speaker 3: around there and then having you know, again having this
Speaker 3: having had a lot of nurses in my life, I
Speaker 3: hear you on the rates on average being maybe lower,
Speaker 3: But that doesn't mean that you can't get your bag.
Speaker 3: That doesn't mean that you can't go and talk to
Speaker 3: some of these other organizations that might be willing to
Speaker 3: pay more. Yeah, you might have to travel a little
Speaker 3: bit farther out, or yeah, yeah you might have to
Speaker 3: pick up some like overnight shifts or something that.
Speaker 2: Might not be ideal. But there are certain people who
Speaker 2: I know.
Speaker 3: For example, I have a friend who's a physical a
Speaker 3: traveling physical therapist. He gets paid, you know, fifty dollars
Speaker 3: more than other people because he's willing to go to
Speaker 3: some of the places that people are not willing to
Speaker 3: travel to.
Speaker 2: So if you're willing to have.
Speaker 3: Some flexibility, now that I know that your your kid
Speaker 3: is out of college and probably doing their own thing,
Speaker 3: and you have a little time on your hands, you
Speaker 3: might have to change your change your schedule to accommodate
Speaker 3: some of these higher paying gigs.
Speaker 1: Yeah, and just kind of forget about the credit score
Speaker 1: is a tool for like when you need to get debt.
Speaker 1: So final thoughts for Angile, I was thinking about the
Speaker 1: and what you said. I mean, I definitely agree with
Speaker 1: like you have to get all the numbers in front
Speaker 1: of you. You mentioned a tool called monarch. I hadn't
Speaker 1: heard of that. I've been using Rocket Money, which I
Speaker 1: kind of I've been enjoying Rocket Money so far. I
Speaker 1: don't love that they charge. I'm on their free plan,
Speaker 1: but you know, it is what it is. So getting
Speaker 1: all those numbers in front of you and like your
Speaker 1: true assets. For someone in her case, like we don't
Speaker 1: know how old she is, but she has a daughter
Speaker 1: or I think she said she was a single mom
Speaker 1: from sixteen, so she's young. She's in probably in her thirties.
Speaker 1: And you mentioned like having access to investments. Is do
Speaker 1: you see a world in which she can continue to
Speaker 1: save and invest while paying down this debt or are
Speaker 1: you more on the side of like, let's just get
Speaker 1: the debt out of the way and then we'll get
Speaker 1: to the other stuff later.
Speaker 3: And my personal opinion, and a lot of financial advisors
Speaker 3: will fight me on this because of course they want
Speaker 3: you to invest because they get.
Speaker 2: Their get their piece of it.
Speaker 3: I am of the mindset and I've done this personally
Speaker 3: where I will pause investing, and I suggest this to
Speaker 3: all my clients to pause. And I say pause specifically
Speaker 3: because that word is more powerful to people than saying
Speaker 3: you just have to stop investing.
Speaker 2: People get heart palpitations about that.
Speaker 3: Pausing your investments until minimally the credit card debt is cleared,
Speaker 3: because there is no investment as a traveling nurse that
Speaker 3: you're going to be getting that kind of return on
Speaker 3: your investments putting. You know, if I'm going to guess
Speaker 3: that this person is putting like maybe one hundred bucks,
Speaker 3: even if even on like the higher and five hundred
Speaker 3: one thousand dollars in investments per month, which most people
Speaker 3: are not doing, it is totally being canceled out by
Speaker 3: seventy thousand dollars at twenty three percent. Yeah, you know, so,
Speaker 3: even if we are aside from the emotional aspect of
Speaker 3: it is better to focus on one thing at a time.
Speaker 3: The one thing I learned from my psychology degree is
Speaker 3: that no human is actually a good multitasker.
Speaker 2: We just do multiple things in rapid succession.
Speaker 3: We only can do one thing at a time, So
Speaker 3: focusing on the debt first and then clearing that out
Speaker 3: would make smare space for you to be able to
Speaker 3: invest down the road. And since this person is relatively young,
Speaker 3: if we can guess, even if in your fifties, you'll
Speaker 3: still have time. You'll still have time to catch that up.
Speaker 1: All right, be a fan. Thank you for your question
Speaker 1: on Jile. We're going to take a quick break and
Speaker 1: be right back with our next question. It's a juicy one. Okay.
Speaker 1: I am in the studio with my beloved guest, Bernadette Joy.
Speaker 1: Also is Joy your real last name?
Speaker 2: That Bernett Joy is actually my first name.
Speaker 1: Oh that's such a cute, little combo. Did they call
Speaker 1: you BJ growing up or no?
Speaker 2: They did?
Speaker 3: And so you met my husband his name is AJ. Yeah,
Speaker 3: and I'm BJ. That's so cute. We had an ice
Speaker 3: sculpture at our wedding. That's aid AJ and BJ and everyone.
Speaker 3: I kept asking us when is CJ coming? Who never came?
Speaker 1: Yeah? Well CJ happening right. That's because you want to
Speaker 1: be rich, girl, Keep running, keep running right past the
Speaker 1: biological earth to have them babies.
Speaker 2: Just keep Oh you don't.
Speaker 1: Look at we run way past at your sexy office.
Speaker 1: You got the nice pink I see that pink like
Speaker 1: velvety chair behind you. Your skin is glowing like I
Speaker 1: bet you showered this morning. And tell me again how
Speaker 1: incredibly wealthy you are and how you're gonna just like
Speaker 1: take the year off. Listen, having kids is not and
Speaker 1: having two of them. I'm never gonna tell anyone what
Speaker 1: to do in that regard other than you know, being
Speaker 1: rich really helps. You should be rich, and you should
Speaker 1: be rich. If you're not going to be rich and
Speaker 1: have kids, you know you're in for a challenge. Is
Speaker 1: it rewarding? Sure, but it's a challenge. Oh okay, let
Speaker 1: me get off of that soapbox, all right, I want
Speaker 1: to get to this. What's that?
Speaker 3: No?
Speaker 2: I love I love the soapbox.
Speaker 3: But also, you know, I follow you religiously on Instagram,
Speaker 3: and so whenever you do post pictures of your kids,
Speaker 3: I'm like, my my ovaries do like ache a little bit.
Speaker 1: So yeah, but you know, Auntie, you can come play whatever,
Speaker 1: get your little fill, and then you just keep on
Speaker 1: moving to your to your your originals. Okay, that's what
Speaker 1: I do, all right. So we've we've got an interesting question, Burnette.
Speaker 1: This is like part personal finance, part entrepreneurship. And I'm
Speaker 1: actually stealing this question from one that I got from
Speaker 1: my group coaching last night because it's so it was
Speaker 1: challenging for me to answer, and so I really want
Speaker 1: to get your take. So this is an anonymous keep
Speaker 1: her anonymous, but this is the situation. So basically, she says,
Speaker 1: I have a business that I started last summer after
Speaker 1: I was laid off from my job. I had a
Speaker 1: good time. I went on sort of an eat prey
Speaker 1: love trip, and I was saying yes to all the things.
Speaker 1: I really at the time was living off of unemployment benefits.
Speaker 1: I thought I would have time to extend those benefits,
Speaker 1: but I found out a month or two ago that
Speaker 1: they are done, and that's all I'm getting. Now I'm
Speaker 1: looking at I've got thirty to sixty days worth of
Speaker 1: savings in the or what I thought was sixty days
Speaker 1: became thirty because I have an income property and the
Speaker 1: person stopped paying last month. So now that sixty has
Speaker 1: become a thirty day supply of savings that I've taken
Speaker 1: out of my four to one K. So I'm at
Speaker 1: this point where I'm looking that I'm looking at either
Speaker 1: getting a new job or sticking it out and continuing
Speaker 1: to grow the business which I started last summer. Should
Speaker 1: I just find another job, which honestly makes me want
Speaker 1: to vomit just thinking about it. Or should I keep
Speaker 1: dipping into my four to one k to make ends
Speaker 1: meet while I work on my business? Help? Does that
Speaker 1: all make sense? This is tricky?
Speaker 3: Yeah, yeah, no, it made sense, and my wheels are churning.
Speaker 3: I have a couple of follow up questions and you
Speaker 3: may not have the answer to it. But since this
Speaker 3: was someone in the coaching maybe they shared with this
Speaker 3: what were they doing before?
Speaker 1: I don't want to give too much away just to
Speaker 1: like keep her anonymous, but like, yeah, just like yeah,
Speaker 1: like broadly working at a corporation, working for a big corporation,
Speaker 1: kind of regular nine regular, nine to five. It wasn't
Speaker 1: like a traveling nurse, no, no, no, regular nine to
Speaker 1: five with the benefits and all of that. And was
Speaker 1: let go. So you know, when you're let go, you
Speaker 1: get those unemployment checks if you're not giving severance. And
Speaker 1: had launched the business around the same time, and it's
Speaker 1: like an online sort of course type of business, but
Speaker 1: had just started, like just started, had the had the
Speaker 1: content out there, was just building a community, had a
Speaker 1: couple of sales and had and then over that time,
Speaker 1: you know, in that launch, had realized like, I don't
Speaker 1: really love doing this. So the business itself is not
Speaker 1: super mature. It's very like much in its infancy. Okay,
Speaker 1: that was my next question.
Speaker 2: And then my other question would be did she give.
Speaker 3: Any uh specifics on this income property, like it is
Speaker 3: it something that she's had for a long time or.
Speaker 1: Is it something that's new that I don't know?
Speaker 3: Okay, all right, anonymous friend, you and I have a
Speaker 3: lot in common. You sound like me in twenty when
Speaker 3: was it twenty fifteen? So I similarly decided I wanted
Speaker 3: to be an entrepreneur. I also had an income property
Speaker 3: that I was dealing with, and I had started a
Speaker 3: not this business, interestingly, but a retail business that actually
Speaker 3: required me to physically be present. And so I feel
Speaker 3: a lot of what you're here, what I'm hearing. Also
Speaker 3: did the eat, pray love thing for a bit, I
Speaker 3: was just like, oh my gosh, I'm out of corporate
Speaker 3: whoa like, let me go to all the things?
Speaker 2: You know, went to Mexico like three times during that
Speaker 2: during that time. You know, we had a good time.
Speaker 3: So but what I'm hearing, and this may sound and
Speaker 3: everyone can have a different opinion about this, I think
Speaker 3: this is what I love about what you're doing and
Speaker 3: having different perspectives. My opinion, again not knowing, just based
Speaker 3: off what you said, is I think you do need
Speaker 3: to go back and get a job at least in.
Speaker 2: The interim to stabilize.
Speaker 3: Your financial situation here, because what I'm hearing is that
Speaker 3: there is some risk with the income like it's happening
Speaker 3: right now.
Speaker 2: This is exactly what I tell a lot of income
Speaker 2: real estate investors, me having been one before.
Speaker 3: If you don't have the backup savings to assume some
Speaker 3: level of vacancy, then either we don't have we have
Speaker 3: to focus on building up those savings, or we don't.
Speaker 3: We shouldn't be in this business because that's inevitable. People
Speaker 3: are like, oh, I'll just always have it rented out
Speaker 3: all the time. I have a client right now who's
Speaker 3: just like, bought a new investment property and she hasn't
Speaker 3: been able to get it rented out for three months
Speaker 3: and is just carrying the mortgage for it. Right So,
Speaker 3: from that perspective, knowing that you have this income property.
Speaker 3: It doesn't sound like the online course business is going
Speaker 3: the way that we had initially thought. And don't get
Speaker 3: me wrong, I love online course businesses. That's essentially the
Speaker 3: business that I run, which next year will cross over
Speaker 3: its first.
Speaker 2: Million dollars of revenue.
Speaker 3: But the bulk of where I've made the money has
Speaker 3: been in the last three years. And I've been doing
Speaker 3: this like since twenty sixteen, so that's a long runway.
Speaker 3: You'll hear a lot of stories of people who are like, oh,
Speaker 3: I'm making like twenty K, fifty K, one hundred K
Speaker 3: a month and like this online course and you can
Speaker 3: do it too, which is great, but that's not the
Speaker 3: vast majority of people.
Speaker 1: And is it consistent? Is it fifty thousand dollars every month? Yes?
Speaker 3: Like I see a lot of people are like, oh,
Speaker 3: I just had a seventy two K month, but it
Speaker 3: was the only seventy two K month they've ever had,
Speaker 3: and the other months were like two hundred dollars. So
Speaker 3: I've only myself personally have gotten into a consistent cadence
Speaker 3: of twenty K a month in the last eighteen months.
Speaker 2: Right, So.
Speaker 3: What I also want to say, though, in this I
Speaker 3: hope this is very clear to people. There is no shame,
Speaker 3: there is no guilt, there's nothing wrong with saying, hey,
Speaker 3: I try this thing, and good for you, Like, I'm
Speaker 3: so proud of you that you tried this thing. You
Speaker 3: did your eprey love, you did all the things that
Speaker 3: people told you that would help you become wealthy. But
Speaker 3: I'm gonna guess that if the business hasn't taken off
Speaker 3: the way that we thought, that it's going to either
Speaker 3: take more time or it's going to have to take
Speaker 3: more effort from you. And that's just that's a privilege
Speaker 3: that we might not have if we only have thirty.
Speaker 2: Days of savings left in the bank.
Speaker 1: Whoo well, I kind of I set you up there
Speaker 1: because I didn't want I didn't tell you what I
Speaker 1: had told her during coaching because I found it really
Speaker 1: challenging because i'm you know, obviously you're in my community.
Speaker 1: It's Mandy money makers, and I am and I think
Speaker 1: you too, Like I want women to think that they
Speaker 1: can accomplish anything, and that if you have this dream
Speaker 1: to start a business, like you can do it. But
Speaker 1: when I heard and I have been hearing about her situation,
Speaker 1: I had to do. I had to tell her the
Speaker 1: same thing you did, which was, you know, I think
Speaker 1: this may not be what you want to hear, but
Speaker 1: a bridge job sounds like something right now because even
Speaker 1: and I just I love that you have, you know,
Speaker 1: been transparent and candidate enough to tell the truth. Like
Speaker 1: eight years of work and three of those have been like, yes,
Speaker 1: we're turning a profit. Yes, I'm a badass, like and
Speaker 1: then eighteen months, twenty k month solid like it, especially
Speaker 1: when you're doing that type of business whereas you're a
Speaker 1: solo preneur, you're not selling a product or you know,
Speaker 1: starting a big firm that's going to sell a product.
Speaker 1: You know, like, there's there's an element to this solopreneurial
Speaker 1: journey that is slow and you need time to iterate
Speaker 1: like I, and it's it's not like she failed. Like
Speaker 1: you started a business and you found out, oh I
Speaker 1: don't love the way I set that up. So then
Speaker 1: you have time and you keep changing it until it
Speaker 1: becomes something that you do enjoy or maybe you love it.
Speaker 1: But your community didn't need it, you know, it wasn't
Speaker 1: the product that they were looking for, the service. They
Speaker 1: were looking for. And I had the reason I was
Speaker 1: able to build the Mandy money Maker from twenty twenty
Speaker 1: one to now is because I had you know, like
Speaker 1: six figures in the bank where I could like float myself.
Speaker 1: That's all I played and figured it out, and that
Speaker 1: was a huge privilege for me. And I just don't
Speaker 1: want to I don't I don't want anyone to get
Speaker 1: the impression that like this is an overnight thing, or
Speaker 1: I can just take this course or you know, put
Speaker 1: the put the put one step in the right direction
Speaker 1: and like things will start to flow there. There's time.
Speaker 1: You need time and patience and grit to get through
Speaker 1: those lean months and nine to five entrepreneurial at the
Speaker 1: same time, nine to five entrepreneurs out there, you're not failing.
Speaker 1: You're not you know, you're not scared, You're not like
Speaker 1: lacking any courage by continuing to work nine to five.
Speaker 1: You're effing smart, and you live in the real fucking world.
Speaker 1: Like them bills, them tenants, you're not paying like real
Speaker 1: just doesn't always align with what we need to get
Speaker 1: things done unless you've got outside financing investors, you know, loans, grants,
Speaker 1: that type of thing, which, like you mentioned before, it's
Speaker 1: really hard for women of color to acquire sometimes absolutely.
Speaker 3: And you know, there's two things that I that is
Speaker 3: coming up for me on this conversation.
Speaker 1: Also, is I.
Speaker 3: Did that I had to take a bridge job because
Speaker 3: I've been doing this since twenty sixteen. So for a
Speaker 3: couple of years, I was working as a contract recruiter
Speaker 3: on the side while I was building these businesses so
Speaker 3: that I could have the stable income to at least
Speaker 3: make sure that my mortgage was paid and that my
Speaker 3: food was paid and all that stuff, so I would
Speaker 3: have the actual creative energy to go and figure out
Speaker 3: how to iterate on what is now you know, Crush
Speaker 3: your Money Goals. And the beginning Crush your Money Goals
Speaker 3: wasn't Crush your Money Goals. It was actually called the
Speaker 3: Debt Crushers, and it was a completely different program than
Speaker 3: what it is now.
Speaker 2: Crushers, you know exactly.
Speaker 3: That was you know, that was one of those things
Speaker 3: that we like, we changed our branding right because we
Speaker 3: figured out that was it the best.
Speaker 1: Was the the brand like a mallet or like a
Speaker 1: some weapon.
Speaker 2: It was like a punch in the face. It was
Speaker 2: it was literally like a little.
Speaker 1: Fist and look at you, like with the pigtails I'm like,
Speaker 1: there's no way, come on now.
Speaker 2: Yeah, it just was.
Speaker 3: It wasn't it, right, So so having a bridge job
Speaker 3: and it's not to say you're going to be in
Speaker 3: it forever. So I did that for two years and
Speaker 3: then was able to really leap into my business full time.
Speaker 3: So that was how I decided to do it. But
Speaker 3: there's two other things that I think is worth noting
Speaker 3: in this particular case study. Is not to say, because
Speaker 3: I really do believe there is opportunity. I have clients
Speaker 3: who are also building coaching businesses and courses and all
Speaker 3: the other stuff, but I will say it is more
Speaker 3: saturated than it was when Mandy and I started in
Speaker 3: twenty twenty and twenty twenty one.
Speaker 2: There are just a lot more people.
Speaker 3: So not only do you have to put in the
Speaker 3: grit and all of the other stuff, but there is
Speaker 3: just truthfully, there's just.
Speaker 2: More competition right now than there was.
Speaker 3: There wasn't a lot of There wasn't as many, like
Speaker 3: and if you think about Mandy and like when starting
Speaker 3: Brown Ambition, like years and years and years ago, right like,
Speaker 3: look how many podcasts there are now, But Mandy is
Speaker 3: in the top of the podcasters because she's been at
Speaker 3: it for several years now.
Speaker 2: There's very few podcasts that just started a year ago
Speaker 2: and then completely blew up and monetized.
Speaker 1: And unless you're Travis Kelsey's sister in law or whatever
Speaker 1: she is, that lady, she's.
Speaker 2: Doing great, exactly Like, unless you're that person.
Speaker 1: Yeah, the rest of us have to work for.
Speaker 2: Years in years and build that credibility with our audience.
Speaker 1: That is the not the norm. It's an exception. It's
Speaker 1: tough sometimes to give that grounded real It's like the
Speaker 1: challenge all the time is like how much am I
Speaker 1: there to like champion and cheer on and how much
Speaker 1: am I there to also give a dose of like reality.
Speaker 1: And you know, and thanks for mentioning the contract position
Speaker 1: that you had. You know, Brown Ambition has been my
Speaker 1: my like secure in terms of like when that when
Speaker 1: I was done, you know, with the savings. Then luckily
Speaker 1: that was coinciding with Brand Ambition making really good money
Speaker 1: to where I'm like, okay, well this is diversified income
Speaker 1: streams and now it's not all on the business. I
Speaker 1: also had this podcast brand. And that's not to say
Speaker 1: go start a podcast and it can be your passive
Speaker 1: income because that shit takes time too, So I'm saying,
Speaker 1: like we started the podcast in twenty fifteen, we didn't
Speaker 1: start making money making money until twenty eighteen. And even
Speaker 1: then it would be like we would not accrue, we
Speaker 1: wouldn't cash any of our money in. At the end
Speaker 1: of the year, we'd each have like twenty k, you know,
Speaker 1: and it'd be like, Yay, happy Christmas. Here's twenty k
Speaker 1: from the BA bank account. And that was how it
Speaker 1: was for you know, even a few years, I would say,
Speaker 1: until twenty twenty one or so when we could actually
Speaker 1: start like doing monthly draws and all of that. So, yes,
Speaker 1: it's not a fun answer, but it also is I
Speaker 1: hope it gives hope too, because it's like, if you
Speaker 1: work hard and long and consistently, you can see success,
Speaker 1: but it may be a little bit of like every
Speaker 1: thing everywhere all at once where you're doing. I know,
Speaker 1: you said we're bad at multitasking, but you know, sometimes
Speaker 1: for survival's sake, a little nine to five or contract
Speaker 1: work here, little passive income from an income property there. Yeah,
Speaker 1: and then trying out of business and just like giving
Speaker 1: your space to try things. And you also mentioned the
Speaker 1: creative energy right, Like, when you're so stressed by financial situation,
Speaker 1: speaking from experience as your husband, it's so hard to
Speaker 1: then just like sit down and just like dream and
Speaker 1: IV eight and like you need that, like you need
Speaker 1: that mental space and mental flexibility that you've Like, it's
Speaker 1: becomes really challenging when you're so stressed about money.
Speaker 2: That's exactly right.
Speaker 3: And in this particular case, the other thought that came
Speaker 3: into my mind was, you know, you need at least
Speaker 3: one stable source of income right now that will at
Speaker 3: least cover your basic bills. And between this baby business,
Speaker 3: this income property and get going back to a bridge shop.
Speaker 2: I love that you called it a bridge shop. Is
Speaker 2: the bridge job is probably.
Speaker 3: The fastest path to that, because I'm going to even
Speaker 3: guess on the investment property that it's not going to cover.
Speaker 2: Your mortgage and their mortgage and.
Speaker 3: Your other bills and stuff. It might just be paying
Speaker 3: for itself in a little bit of extra unless you
Speaker 3: tell me. It's just like you somehow beat the rest
Speaker 3: of the market.
Speaker 2: On that right now.
Speaker 3: And so for myself, I said, I'm very similar to you,
Speaker 3: is that I also had an investment property, and when
Speaker 3: I decided that I was going to put a lot
Speaker 3: of time and energy and to crush your money goals,
Speaker 3: I decided to sell that property.
Speaker 2: So if you are.
Speaker 3: Saying, you know, I know, I really don't want to
Speaker 3: go back into whatever I was doing because I don't
Speaker 3: know what you were doing before. It sounds like you
Speaker 3: have an asset that you could potentially sell if you
Speaker 3: really believe that this is the business that you want
Speaker 3: to go into.
Speaker 2: And that's the route that I took too.
Speaker 3: Was like I took the bridge shop and then I
Speaker 3: still needed more capital to be able to grow crush
Speaker 3: your money goals to what it is now, and I
Speaker 3: sold my real estate investment. I sold that position and
Speaker 3: use that money as the investment into this amazing business
Speaker 3: owned by a woman of color. That business just happened
Speaker 3: to be mine. Yeah, And so that's another option to
Speaker 3: think about.
Speaker 1: Absolutely, like whether it's savings or for one K loan,
Speaker 1: it's like, this is the seed money for your business
Speaker 1: to like take it seriously and actually use it to invest.
Speaker 1: And thank you for that perspective. I yeah, I love
Speaker 1: doing these with another point of view. I just feel
Speaker 1: like it's better. It Also it also takes the pressure
Speaker 1: off because it just like takes away that illusion that
Speaker 1: any one person can have the answer, and how you
Speaker 1: have to kind of listen to different perspectives and then
Speaker 1: at the end of the day, you have to do
Speaker 1: what's best for you. And you know, if you can
Speaker 1: tolerate a lot of stress, and you know, maybe that's
Speaker 1: a cool story someday I lived off my four one
Speaker 1: K for a year and then my business blew up,
Speaker 1: and like, that's an incredible story. But yeah, it's also
Speaker 1: good to get these other povs. So Bernadette joy full
Speaker 1: name stop. Thank you for joining me on the BA
Speaker 1: Thanks for listening to BA FAM's questions. Congratulations on the
Speaker 1: book you guys again. It's called Crush Your Money Goals,
Speaker 1: twenty five smart habits to save, invest and fast track
Speaker 1: your financial freedom. Bernadette, Where can people find you so
Speaker 1: they can get the book and sign up for Crush
Speaker 1: Club and all that fun stuff.
Speaker 2: Thank you so much for having me.
Speaker 3: This was so much fun. I loved hearing these specific examples.
Speaker 3: You can find me at Crush your Money Goals dot com.
Speaker 3: That's where the book and our boot camp is coming up.
Speaker 3: We also host investing classes if you're interested in learning
Speaker 3: about how to invest with integrity and if you want
Speaker 3: to hang out with me on social media, I'm primarily
Speaker 3: on Instagram at Bernadette Joyce spelled with the word debt
Speaker 3: and then on YouTube with the same handle.
Speaker 1: Yay, all right, BA fam, Fine Bernadette, let her know
Speaker 1: that we sent you, let her know you're part of
Speaker 1: the BA fam. And happy Almost Christmas, Happy holidays. I
Speaker 1: hope you guys are well. I hope you have some
Speaker 1: rest and recharging on the calendar for yourself in this season.
Speaker 1: And I guess I'll see y'all next year. Iba vam