I was $300,000 in debt including student loans and mortgages, living a lifestyle way above my means. Three years later my family had paid off all of it including our house! Now that I'm 100% DEBT FREE (that's right no credit cards, car payments or debt of any kind), I'm on a mission to build a community of people who are ready to crush their money goals. This isn't your regular finance show - we're here to have fun and learn about life any money together. Welcome!
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Season 7 Episode 11: New Beginnings: Empowering Lessons from Quitting with Confidence
Season 7 · Episode 11
Wednesday, October 2, 2024 • Duration 48:08
In this final episode of the Crush Your Money Goals podcast, Bernadette Joy and Stefanie Gonzales reflect on key moments from Season 7, “Quit with Conviction.” They discuss standout episodes featuring guests like Erin from Hello Divorce and George Kamel, highlighting the personal growth and lessons learned from these conversations. Listeners are encouraged to embrace the power of quitting with purpose as they announce the end of the podcast and express gratitude to the audience for their support throughout the journey.
In this episode, you will learn the following :
How to quit with confidence and purpose
Lessons from navigating divorce
The importance of taking a sabbatical before quitting
Managing career transitions thoughtfully
Overcoming biases in personal and professional life
Balancing financial freedom with life choices
Acknowledging the power of intentional decision-making
Episode Timeline:
[00:00:00] - Introduction to Season Finale
[00:01:09] - Highlighting Favorite Guests
[00:04:40] - Lessons from the Divorce Episode
[00:07:30] - Reflecting on Biases and Growth
[00:11:10] - Embracing Sabbaticals and Quitting Mindfully
[00:17:30] - Personal Growth and Freedom
[00:33:09] - Shifts in Business Focus
[00:39:20] - Closing Remarks and Farewell
Learn more about Stefanie Gonzales and the Women's Wealth Effect:
LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa
Instagram: https://www.instagram.com/womenswealtheffect/?hl=en
Facebook: https://www.facebook.com/Womenswealtheffect
Early Retirement Planner: https://www.womenswealtheffect.com/planner
Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free
Learn more about Bernadette Joy and the Crush Your Money Goals:
Order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638
Website: https://www.crushyourmoneygoals.com/
10 Money Tools: https://www.crushyourmoneygoals.com/freeguide
Season 7 Episode 10: Frugality, Mental Health, and Financial Freedom
Season 7 · Episode 10
Friday, September 27, 2024 • Duration 26:12
In this episode of Crush Your Money Goals, Bernadette Joy and Stefanie sit down with Shang, the inspiring force behind Save My Cents. Shang shares her journey to financial independence by age 31, her frugal yet joyful approach to life, and the powerful intersection of mental health and financial wellness. Recorded live from FinCon, this conversation is a must-listen for ambitious women who aspire to break free from the corporate grind, embrace frugality, and achieve financial independence with confidence.
In this episode, you will learn the following :
Frugality and how it can be a joyful choice rather than a sacrifice
The intersection of mental health and financial wellness
Living a fulfilling life while being frugal in high-cost areas like Manhattan
Addressing mental health as part of financial planning
The role of therapy in Shang’s financial and personal journey
Handling online negativity and maintaining a positive outlook
The importance of having aligned financial goals with a partner
Episode Timeline:
[00:03:06] - Journey to financial independence
[00:05:33] - Intersection of joy, mental health, and financial literacy
[00:06:29] - Frugal lifestyle and the misconceptions about frugality
[00:11:21] - Making life decisions and the flexibility of those choices
[00:16:09] - Prioritizing mental health and seeking therapy.
[00:18:14] - Handling online trolls and how to maintain her mental health
[00:21:08] - Navigating life and finances with a significant other.
[00:24:27] - Upcoming book on mental health and money.
Learn more about Shang Saavedra:
Website: https://savemycents.com/
Instagram: https://www.instagram.com/savemycents/
Linktree: https://linktr.ee/savemycents
Learn more about Stefanie Gonzales and the Women's Wealth Effect:
LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa
Instagram: https://www.instagram.com/womenswealtheffect/?hl=en
Facebook: https://www.facebook.com/Womenswealtheffect
Early Retirement Planner: https://www.womenswealtheffect.com/planner
Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free
Learn more about Bernadette Joy and the Crush Your Money Goals:
Order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/9781507222638
Website: https://www.crushyourmoneygoals.com/
10 Money Tools: https://www.crushyourmoneygoals.com/freeguide
Season 7 Episode 1: How to Quit with Conviction
Season 7 · Episode 1
Wednesday, July 24, 2024 • Duration 28:04
Join Bernadette Joy and Stefanie Gonzales in today’s episode of the Crush Your Money Goals podcast as they discuss quitting corporate life for financial freedom and personal fulfillment. Dive into Stefanie’s 15-year tech journey and its transformation, learn to navigate the challenges of leaving your job with grace and gain expert insights on wealth preservation and financial planning. Hear personal stories and diverse perspectives that highlight the unique paths to success and the importance of aligning work with core values. Be inspired to confidently embrace change and pursue a life of wealth and meaning beyond the 9 to 5 grind.
In this episode, you will learn the following :
How quitting a corporate job, especially after a long tenure in the tech industry can lead to an identity crisis but also pave the way for a purpose-driven, debt-free life with a millionaire mindset.
The differences in work perceptions between the US and Europe.
Importance of therapy and fiscal foresight when making life-altering career changes.
How to quit gracefully, handle counteroffers, and pursue work that aligns with personal values.
Personal finance is unique to each individual and it’s acceptable to have differing financial philosophies.
Emotional complexity of quitting, acknowledging the mourning process and adrenaline fatigue that can accompany major life changes.
Practical tips and stories on how to activate hard-earned income, protect wealth, and take intentional steps towards financial independence and empowerment.
Episode Timeline:
[00:04:08] - Identity and Career at Dell Technologies
[00:08:27] - Deciding to Leave for New Opportunity
[00:11:30] - Challenges of Tech Startup Culture
[00:16:01] - Navigating Corporate Expectations and Self Worth
[00:19:31] - Courage to Quit and Stay
[00:28:15] - Navigating New Podcast Interview Format
Learn more about Stefanie Gonzales and the Women's Wealth Effect:
LinkedIn: linkedin.com/in/stefanie-gonzales-83a87aa
Instagram: https://www.instagram.com/womenswealtheffect/?hl=en
Facebook: https://www.facebook.com/Womenswealtheffect
Early Retirement Planner: https://www.womenswealtheffect.com/planner
Book Your Free 1:1 with Stefanie: https://www.womenswealtheffect.com/free
Learn more about Bernadette Joy and the Crush Your Money Goals:
LinkedIn: linkedin.com/in/bernadebtjoy
Twitter: https://twitter.com/bernadebtjoy”
Pre-order her book: https://www.simonandschuster.com/books/Crush-Your-Money-Goals/Bernadette-Joy/978…
Website: https://www.crushyourmoneygoals.com/
Free Guide For Top 10 Money Tools: https://www.crushyourmoneygoals.com/freeguide
Episode 12: Anti-Goals: The Rebellious Guide to Crushing Your Goals in 2024 (Season Finale)
Season 6 · Episode 12
Tuesday, November 28, 2023 • Duration 40:30
Can you believe it… we are at our Season 6 finale!
In today’s episode, Bernadette and I share with you our ANTI GOALS as we start planning for 2024.
That means we share with you the what and the how we will stop doing things that suck energy out of us. It’s an annual practice that I came across and wanted to try in 2024 vs the standard “new years resolution.” Can you relate?
We also added a twist into today’s episode to make it fun and give YOU some insight into mine and Bernadette’s lives… We both answered random questions from an interview deck, which was so fun to do!
If you like this episode or better yet, if you found value out of this season and want to hear MORE from us next year, please leave us a review and let us know. We take your feedback seriously.
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
You can check out Bernadette’s 2024 The 60-Day CRUSH Bootcamp: https://www.crushyourmoneygoals.com/
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
You can check out Stefanie’s 2024 Women’s Wealth INVESTING Effect program: www.womenswealtheffect.com
Resources from today’s episode:
Quit Like A Millionaire: https://www.amazon.com/Quit-Like-Millionaire-Gimmicks-Required/dp/0525538690
Episode 11: Partners in FI: Our Husbands' Perspective
Episode 11
Tuesday, November 21, 2023 • Duration 33:36
We are coming to you LIVE from Fincon 2023 in New Orleans where Bernadette and I interview our husbands! We wanted to ask them questions about what it’s been like to pursue Financial Independence, especially with two bad ass women!
This was a really fun and REAL episode!
Here Joseph and AJ talk about:
Who introduced the concept of FI first
How it feels to reach FI
What it’s like to pursue FI with kids
And more!
We hope you enjoyed this episode as much as we did!
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:
Follow Joseph (Stef’s other half) on IG: https://www.instagram.com/coachjosephgonzales/
Follow AJ (Bernadette’s other half) on IG: https://www.instagram.com/analogjoy_/
Episode 10: SkillPop: A New Way to Build Community and Connect with Others
Episode 10
Tuesday, November 14, 2023 • Duration 32:07
We are coming to you LIVE from Lisbon to talk about the work that Haley Bohon and Skillpop are doing to create learning experiences that are engaging, interactive and accessible.
As Haley and her team would put it, you shouldn’t have to spend huge amounts of time or money to learn something new, so we make it simpler.
If you are a woman who is looking for community or are simply excited to hear 3 bad ass women talk about entrepreneurship, this episode is for you!
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:
Check out Skillpop & their classes! https://www.skillpop.com/
Episode 9: FinCon2023 Live: Estate Planning with Stef's Mom - A Conversation About Love, Legacy, and Financial Security
Tuesday, November 7, 2023 • Duration 37:19
We are coming to you LIVE from Fincon 2023 in New Orleans & we are bringing a very special episode to you. Welcome Dr. Mary Lou Maldonado, Stefanie’s mom!
Mary Lou recently turned 60 and as a gift to herself she got her Estate Plan established.
We talk to her about why she felt this was important, her experience with her attorney and discussed why this body of work is so important to do for ALL WOMEN. No matter if you have kids or not!
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
Episode 8: FinCon 2023 Live: The Women in Money Mastermind & Community Experience
Monday, October 30, 2023 • Duration 40:54
We are coming to you LIVE from Fincon 2023 in New Orleans & we are talking about all things Women, Community and Masterminds.
Bernadette & Stefanie had the opportunity to attend a Women In Money Mastermind this summer and we thought it would be a great idea to check in with some of the amazing women who attended. We asked them what their biggest takeaways were from the Mastermind for their businesses and what the Women’s Wealth Effect means to them.
And of course, we break down what our thoughts were about our mastermind experiences to date & our takeaways as well!
We hope you enjoy today’s episode as much as we did and special thanks to Rachel, Miranda and Lauren who took time out of their busy Fincon schedules to be with us. You can follow and support their businesses by checking out their websites in the Resources from today’s episode section below.
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:
Find Rachel Jimenez at https://moneyhackingmama.com/
Find Miranda Marquit at https://mirandamarquit.com/
Find Lauren Cobello at https://leveragewithmedia.com/
Episode 7: Career Effect Series: How Santana Overcame her Limiting Beliefs to Unlock a Life Aligned
Episode 7
Tuesday, October 24, 2023 • Duration 01:01:03
Today is a powerful episode about Life + Career + Money. If you have been following me @womenswealtheffect on Instagram or on Linked In you have seen that since July 2023, I have hosted a monthly Career Effect Series.
I created this series because 3 out of 4 women do NOT feel comfortable talking about Career or Money at work. SOOO that means we need to create space for these crucial conversations!
Today I want to introduce to you Santana Inniss. She came on to my Career Effect Series as a guest where she shared her personal + professional story, giving us the opportunity to see what is possible for each of us if we tap into a life aligned.
Santana is a Master Certified flow & alignment coach who is absolutely obsessed with helping you clarify the life you dream of, identify what’s in your way, and co-create the roadmap of aligned actions to get you there.
Join us today as Santana shares how her life journey led her to this point.
I was inspired and I’m sure you will be too!
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:
You can find Santana by checking out:
https://www.flofoundations.com/
https://www.instagram.com/flofoundations/
https://www.linkedin.com/in/santanainniss/
Episode 6: The RSU Millionaire: How to Build Wealth with Restricted Stock Units
Episode 6
Tuesday, October 17, 2023 • Duration 16:16
Hi y’all, Stefanie coming to you solo today to talk about RSUs (Restricted Stock Units)!
I personally leveraged RSUs to build around $200k of my networth and I want to make sure you know the ins and outs of how they work WAY EARLIER than I did.
Did you also know I left over $100k UN-vested when I left my job in 2022? I’ll share how having a PLAN for your RSUs helps aid in decisions such as this + share how this could be great scenario to test out when you fill out my independence planner.
I hope this episode helps you take advantage of your RSUs… or future awards!
Today we cover:
What RSUs are
How RSUs actually work (vesting, taxes, etc)
How RSUs can be used to build wealth
Tips for how you can best manage your RSUs… aka have a plan and strategy.
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:
Common types of vesting schedules:
One-year cliff vesting: All of the RSUs vest at the end of the first year of employment.
Three-year cliff vesting: All of the RSUs vest at the end of the third year of employment.
Four-year cliff vesting: All of the RSUs vest at the end of the fourth year of employment.
Back-loaded vesting: A larger percentage of the RSUs vest in the later years of the vesting schedule. For example, 50% of the RSUs might vest in the fourth year and 50% of the RSUs might vest in the fifth year.
Performance-based vesting: A portion of the RSUs vests based on the employee's performance against certain goals.
Companies may also use a combination of these vesting schedules. If you have questions about RSUs or Vesting schedules email Stefanie at womenswealtheffect@gmail.com
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