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Bernadette Joy

Bankrate Expert Contributor, Personal Finance
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Expert Contributor
Ribbon Icon EXPERTISE
  • Debt management
  • Personal finance
  • Budgeting
  • Loans
  • Wealth Management
  • Retirement Planning
  • Investing
Education Icon EDUCATION
  • B.S. in Business Administration, Boston University (summa cum laude)
  • B.A. in Psychology, Boston University (magna cum laude)
  • Master of Business Administration, UNC Chapel Hill
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About Bernadette

Bernadette Joy is a nationally recognized personal finance expert, entrepreneur, and educator, passionate about helping people achieve financial independence. As the founder of Crush Your Money Goals®, she has helped thousands of professionals and business owners eliminate debt, grow wealth, and build financial confidence through her courses, workshops, and coaching programs.

Bernadette’s own journey to financial freedom began when she and her husband paid off $300,000 debt in three years, including their home. She quickly realized that traditional financial advice often overlooked the emotional and psychological barriers to wealth-building. Determined to change that, she combined her expertise in business strategy, psychology, and personal finance to create approachable, actionable money guidance that anyone can follow.

Her work has been featured in Forbes, CNBC, Business Insider, Oprah Daily, and more, and she frequently shares her insights as a speaker at national conferences, corporate events, and on-air segments.

When she’s not teaching others how to achieve financial freedom, Bernadette enjoys traveling, K-pop dance classes, and planning her next overseas adventure with her husband. Her mission is simple: to make wealth-building accessible, fun, and stress-free for everyone.

Bernadette beyond Bankrate

Welcome to Crush Your Money Goals with Bernadette Joy

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Bernadette Joy on Forbes

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Crush Your Money Goals Book

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Crush Your Money Goals Website

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I am a first-generation Filipina American and the 8th of my father’s 9 kids. I have chronic conditions and have been diagnosed with both depression and anxiety in the past. I share these with you because if I can reach financial freedom, I believe you can, too. Debt is only a short-term solution, investing is a long-term skill, and happiness is a conscious choice. You got this!

— Bernadette Joy

Bernadette's latest articles