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  IG LinkedIn www.bernadebtjoy.com BUY THE BOOK   Follow Kristy Kuhl IG LinkedIn www.kristykuhl.com

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