Bernadette Joy

Bernadette Joy is a nationally recognized money expert, author, and millionaire mentor who paid off $300,000 in debt in three years and built her first $1 million in net worth by age 40. As founder and CEO of Crush Your Money Goals®, she has taught thousands her proven strategies for debt elimination, wealth building, and financial independence.

Her book "CRUSH Your Money Goals: 25 Smart Money Habits to Save, Invest, and Fast-Track Your Financial Freedom" was published by Simon & Schuster in December 2024 and named one of Oprah Daily's top 10 books for personal growth in 2025. Featured on Good Morning America, CNBC, Business Insider, Time, and USA Today, Bernadette has been recognized as one of NextAdvisor/Time's "25 Most Influential New Voices of Money." Her Forbes column has garnered over 900,000 views.

A first-generation Filipina American and the eighth of her father's nine children, Bernadette brings an authentic, relatable voice to financial education. Her keynotes and workshops have reached audiences at SXSW, FinCon (where she hosted for two years), and major corporations including TIAA, Belk, and LPL Financial.

With a background including two bachelor's degrees, an MBA, and a decade of Fortune 100 and tech startup experience, she combines academic credentials with real-world results. Known for her practical, sass-filled approach to personal finance education, Bernadette is also a champion for individual sovereignty and an advocate for fighting billionaire influence in various aspects of modern life.

When she's not scoping out potential deals as an accredited investor, Bernadette enjoys traveling with her husband, Al, listening to K-pop, and being a "rich Auntie" to her nieces and nephews.