Disrupt Your Money: Liberation through Financial Education for Marginalized Business Owners
Disrupt Your Money is the unapologetic money podcast for marginalized small business owners who know that wealth building is a revolutionary act.
If you’ve ever wondered how to:
- Build a profitable, sustainable business that funds both today’s needs and tomorrow’s generational wealth
- Navigate systemic barriers while accessing the capital, resources, and opportunities you deserve
- Align your money moves with your values and community impact
- Protect your financial power in a system that was never designed for you to succeed
…you’re in the right place.
We believe economic equity is the key to reclaiming our financial power—and that dismantling and rebuilding our money systems is just as critical as making sales or filing taxes. Every week, we break down practical, shame-free strategies to help you grow, protect, and pass on wealth, so you can create a legacy that outlives you.
From pricing and profit strategies to money mindset and systemic change, we’ll talk about the real issues—without the jargon, judgment, or boring finance-bro vibes.
Whether we’re unpacking tax tips, demystifying investments, or calling out inequities in the financial system, our mission is simple: help you use your money to disrupt the status quo and build an equitable future.
Your business is more than income—it’s a tool for liberation. Let’s use it.
SUBMIT YOUR QUESTIONS HERE equitablemoneyproject.com/podcast
Disrupt Your Money: Liberation through Financial Education for Marginalized Business Owners
Self-Care, Saving & Smashing Debt with Bernadette Joy
In this episode of Disrupt Your Money, we sit down with personal finance powerhouse Bernadette Joy to blow up the myth that paying off debt means sacrificing joy, self-care, and everything that makes life actually feel good. As a first-gen Filipina-American and eighth of nine kids, Bernadette went from $300,000 in debt to building a seven-figure net worth.
Through real talk, lived experience, and a decade of experiments with habits and routines, Bernadette breaks down why negotiating, raising your rates, and letting go of perfectionist budgeting are all part of a liberatory money plan, not “selfish” moves.
You’ll walk away with practical tools like Screenless Sundays, the 80/20 “rule of world peas,” and Bernadette’s “strive, revive, survive” framework so you can pay off debt, grow wealth, and protect your joy at the same time.
⏱️ In This Episode:
00:00 Introduction: Self-Care, Saving & Smashing Debt
01:42 Bernadette’s story: first-gen Filipina-American, 8th of 9 kids & $300K in debt
06:24 Turning negotiation into a habit
09:31 Separating your self-worth from your prices and paycheck
13:12 Why she wrote Crush Your Money Goals and how habits (not hustle) changed everything
18:54 Screenless Sundays: unplugging from doomscrolling as a money and mental health strategy
20:44 Using the 80/20 “rule of world peas”
27:29 The strive, revive, survive method
32:08 Plot twists, money stories, and what Bernadette wants every reader to feel after her book
🔗 Mentioned in This Episode:
👉 Crush Your Money Goals: 25 Smart Money Habits to Save, Invest, and Fast Track Your Financial Freedom by Bernadette Joy
👉 Crush Your Money Goals® – Bernadette’s money education company
👉 Wealth is Resistance Action Kit → https://equitablemoneyproject.com/kit
💬 Connect with Us:
🌐 Website → https://equitablemoneyproject.com
📸 Instagram → https://instagram.com/equitablemoneyproject
🎧 Podcast → https://equitablemoneyproject.com/podcast
🚀 Your Next Step:
Ready to make your money match your values? Download our free Wealth is Resistance Action Kit → https://equitablemoneyproject.com/kit