Bernadette Joy is a Expert Contributor at Bankrate. She possess expertise in human resources, recruiting, talent management, employee relations, personnel management and 16 more skills. Colleagues describe her as "Bernadette Joy is my financial mentor, and she has completely changed my life! Through her program Crush Your Money Goals, I learned the foundations of personal and business cash flow management through budgeting. This helped me confront my money wounds as a first-generation Latina and has given me the courage to pursue Financial Independence. Bernadette also guided me in communicating with my husband about our money goals, which strengthened our bond and reduced financial disagreements. Her unique approach incorporates a psychological perspective, making it incredibly impactful. Now my husband Jonathan and I are a team and are focused on Financial Independence and we are both on the same page. Entering the program, I was in pretty bad shape I had over 10,000 in medical debt, Burnt out entrepreneur and my business was in the red for the first time. Bernadette went above and beyond to help me. She restructured my resume, conducted mock interviews, and even helped me land my dream job! It's clear that she truly cares about the well-being of her students, more than any mentor I've ever worked with. Working with Bernadette was the best investment I've ever made in my life. I went from being completely confused about stocks and index funds to feeling financially confident enough to invest in both personal and business endeavors. Thanks to Bernadette's program, I achieved my first goal of investing $100,000 in tax-advantaged accounts! Now focused on pursuing financial independence and it all thanks to Bernadette's mentorship. I highly recommend working with Bernadette if you are ready to elevate your money habits and master your finances.", "I had the privilege of having Bernadette as a guest on my podcast ‘Inspired By Success’ and she shared such valuable financial tips and advice that was very practical and useful. A couple of her tips I will apply is to consolidate all credit card debts and don’t use any credit cards until the debt has paid off but also break the repayments down to daily increments. She was such an inspiration and sharing her knowledge that anyone can apply to help achieve their financial freedom (especially if you’re in a lot of debt) was so valuable. There is hope and she can help! Thank you for your wise words and knowledge Bernadette! We should have more clones of you in schools to teach financial literacy as the world would be a better place and there would be a lot less stress! 😄", and "Signing up for Bernadette's CRUSH Your Money Goals Bootcamp was by far the best investment I've ever made into an online coaching program. (And trust me. I've invested in a LOT of them.) Not only have I paid off a large debt a year in advance in just 4 months with her mentorship, but I've added in a ton of things I enjoy monthly so that it doesn't feel like I'm white knuckling the month anymore. Sitting down to do my budget each month is now one of my favorite things to do on a weekend because it gets me excited for the future instead of dreading what I've done to my bank accounts. WORK WITH HER. YOU WILL NOT REGRET IT."