Bernadette Joy

Charlotte

Contributor at Forbes

Speaker and Chief Educator at Crush Your Money Goals

Tweets are me talking to myself 💪Learn to Crush Your Money Goals®️ 🎤Paid Speaker + Financial Health Activist PRE-ORDER THE BOOK 👇

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Articles

Student Loans Are Crushing Your Dreams — Kick Them to the Curb | Bankrate

2 weeks ago | bankrate.com | Bernadette Joy |Katie Lowery

I’ll never forget the weight of my $72,000 graduate student loan bill. It didn’t just affect my bank account — it shaped my daily spending choices, delayed my dreams and literally kept me up at night with anxiety, wondering if I’d ever truly feel free. At my lowest point, I was sobbing with shame and regret. Then, I made a decision that changed everything: I was going to pay off my student loans in two years. What happened next surprised even me.
This one money habit will get you out of living paycheck to paycheck

1 month ago | wrdw.com | Bernadette Joy

Personalised advertising and content, advertising and content measurement, audience research and services developmentStore and/or access information on a deviceYou can choose how your personal data is used.
This one money habit will get you out of living paycheck to paycheck

1 month ago | wsfa.com | Bernadette Joy

Personalised advertising and content, advertising and content measurement, audience research and services developmentStore and/or access information on a deviceYou can choose how your personal data is used.
This One Money Habit Will Get You Out of Living Paycheck to Paycheck

1 month ago | bankrate.com | Bernadette Joy |Katie Lowery

Living paycheck to paycheck isn’t just exhausting and stressful — it’s expensive. With inflation sticking around and new tariffs projected to cost American households up to $3,800 in 2025 (according to Yale’s Budget Lab), it’s more important than ever to build breathing room into your money plan to avoid late payment fees or borrowing to make it to payday. There’s one simple but powerful habit I use to break this cycle: I have built and maintained a cash-flow cushion.
This one money habit will get you out of living paycheck to paycheck

1 month ago | abc6onyourside.com | Bernadette Joy

This one money habit will get you out of living paycheck to paycheckby Bernadette JoyTue, May 6th 2025 at 3:36 PMPhotography by Getty Images; Illustration by Bankrate
This one money habit will get you out of living paycheck to paycheck

1 month ago | nbcmontana.com | Bernadette Joy

This one money habit will get you out of living paycheck to paycheckby Bernadette JoyTue, May 6th 2025 at 1:36 PMPhotography by Getty Images; Illustration by Bankrate
This one money habit will get you out of living paycheck to paycheck

1 month ago | wcyb.com | Bernadette Joy

This one money habit will get you out of living paycheck to paycheckby Bernadette JoyTue, May 6th 2025 at 3:36 PMPhotography by Getty Images; Illustration by Bankrate
I'm Retiring at 40 After Paying Off $300,000 in Debt. Here's How I Did It

1 month ago | thetechstreetnow.com | Bernadette Joy

27 minutes ago cnet I started my retirement journey 17 years ago when I was $300,000 in debt. My journey wasn't quick, but fast forward almost two decades, and now I have enough saved to retire at 40. The landscape has changed significantly since I made my first 401(k) contribution -- and the retirement savings gap is even wider. It's a problem most Americans are facing.
I'm Retiring at 40 After Paying Off $300,000 in Debt. Here's How I Did It

1 month ago | cnet.com | Bernadette Joy

Saving for retirement isn't easy -- especially when you're juggling other financial priorities like growing an emergency fund or paying off debt. I started my retirement journey 17 years ago when I was $300,000 in debt. My journey wasn't quick, but fast forward almost two decades, and now I have enough saved to retire at 40. The landscape has changed significantly since I made my first 401(k) contribution -- and the retirement savings gap is even wider. It's a problem most Americans are facing.
Yes, Social Security Will Likely Exist When You Retire -- but It Probably Won't Be Enough

1 month ago | thetechstreetnow.com | Bernadette Joy

13 minutes ago cnet The average Social Security payout is currently less than $2,000 a month, and it's expected to drop even lower in years. For years we've been hearing Social Security is running out of money. If you're preparing for retirement like I am, you might be worried about how the fate of this program could affect your future.

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