Achieving Financial Freedom & Abundance with Bernadette Joy

In this live recording of the Dare to Disrupt podcast from Charlotte, North Carolina, host Zenica Chatman welcomes financial coach and debt-free millionaire Bernadette Joy. Bernadette shares her impactful journey of paying off $300,000 in debt, achieving millionaire status, and working only 20 hours a week. The episode covers effective budgeting strategies, the significance of negotiation, the psychological aspects of financial freedom, and practical tips for women looking to redefine their work-life balance. Bernadette offers insights on generating passive income, making wise investments, and the personal fulfillment that comes with financial independence and living a balanced life.

00:00 Introduction to the Episode
00:47 Meet Bernadette Joy
02:05 Bernadette's Financial Journey
05:54 The Turning Point: Paying Off Debt
16:09 Budgeting Made Simple
21:21 Negotiation and Self-Worth
33:31 Empowerment and Financial Independence
35:52 Embracing Financial Freedom
36:22 Prioritizing Personal Joy
38:14 Making Time for Yourself
39:34 Effective Use of Money
40:09 Audience Q&A Begins
42:05 Steps to Start Investing
43:43 Managing Debt and Investments
49:05 Exploring Passive Income
57:34 Paying Off Mortgages Early
01:05:25 Final Thoughts and Encouragement
01:11:56 Upcoming Classes and Resources