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May 14, 2025 60 mins

In this episode of 'Keep Rising with Kristy Kuhl,' I discuss important financial strategies with nationally recognized personal finance expert Bernadette Joy. The conversation covers Bernadette's journey of paying off $300,000 in debt within three years and her passion for helping others achieve financial independence.

Bernadette provides invaluable advice on dealing with current economic issues like tariffs and inflation, emphasizing the importance of basic financial practices such as stacking cash and paying off credit card debt.

 Additionally, Bernadette and I explore the psychological aspects of financial management, including self-worth, handling negative feedback, and building financial habits that lead to long-term success.

 

This episode is packed with insights on how to take small steps towards big financial changes.

 

00:00 Introduction and Podcast Subscription Appeal

00:33 Introducing Bernadette Joy: Financial Independence Expert

01:43 Economic Insights: Tariffs and Inflation

02:50 Personal Finance Basics: Cash and Debt Management

07:38 Weekly Credit Card Payments: A Game Changer

10:19 Budgeting and Financial Mindset

15:27 Addressing Financial Fears and Money Wounds

18:39 Self-Worth vs. Self-Esteem in Finances

21:23 Cultural Influences on Financial Behavior

24:32 Money Wounds and Financial Stress

30:54 Planning for Financial Independence

31:28 Understanding Financial Growth and Inflation

32:08 Realizing Financial Independence

33:35 Overcoming Financial and Social Barriers

35:33 Aligning with Personal Success

37:03 The Impact of Small Financial Changes

40:05 The Debate on Leveraging Debt

42:19 The Journey of Building a Debt-Free Business

48:15 Handling Criticism and Staying Authentic

58:54 Conclusion and Resources

Follow Bernadette Joy 

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www.bernadebtjoy.com

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Follow Kristy Kuhl

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www.kristykuhl.com

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