Financial Habits and balancing business, family, and financial independence without guilt or overwhelmed.

In this episode of The Brown Way to Money Podcast, Alejandra Rojas sits down with Bernadette Joy, author of Crush Your Money Goals, to uncover powerful strategies for achieving financial independence. This episode is packed with actionable insights, personal stories, and practical habits to transform how you approach your finances—perfect for women of color entrepreneurs ready to crush their money goals in 2025.

Important Links:

• Download Bernadette’s Exclusive PDF: Get it here
• Visit The Brown Way to Money: www.brownwaytomoney.com
• Rate this podcast: www.themoneymindsethub.com/rate
• Follow Alejandra Rojas on LinkedIn: www.themoneymindsethub.com/LinkedIN

Key Takeaways:

1. The Power of Screenless Sundays:
   Recharge your creativity and improve your financial decisions by taking intentional time away from technology each week.

2. The Dollar Rule for Intentional Spending:
   Simplify your financial choices by focusing on value and use. This rule helps reduce unnecessary purchases and guilt while maximizing joy from the things you truly love.

3. Creating a Cash Flow Cushion:
   A must-have strategy to avoid living paycheck to paycheck. Learn how having a buffer in your checking account reduces stress and keeps you focused on long-term goals.

4. Curating Your Accounts:
   Discover the importance of consolidating accounts to streamline money management and build clarity around your finances.

5. Balancing Long-Term Goals with Immediate Needs:
   Get tips for navigating the emotional and financial pressures of the holiday season while keeping your financial objectives in sight.

In This Episode, You’ll Discover:

1. How can I balance my business, family responsibilities, and financial independence without feeling overwhelmed or guilty?
2. What simple, actionable habits can I start today to take control of my finances and stop living paycheck to paycheck?
3. How do I stop buying things I don’t need and focus on what truly matters to me?
4. Bernadette shares her inspiring journey from debt to a multi-million-dollar net worth.
5. Insightful conversation on how cultural norms and family expectations shape financial behaviors.
6. How to approach money with intention and overcome guilt-driven spending.
7. A practical discussion on managing holiday expenses without compromising long-term goals.

Microgrants Section:

Did you hear the secret word? 🎉 Apply now to win a $500 microgrant and take the next step in your financial journey! Apply Here

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Let’s create financial independence together!