I was $300,000 in debt including student loans and mortgages, living a lifestyle way above my means. Three years later my family had paid off all of it including our house! Now that I'm 100% DEBT FREE (that's right no credit cards, car payments or debt of any kind), I'm on a mission to build a community of people who are ready to crush their money goals. This isn't your regular finance show - we're here to have fun and learn about life any money together. Welcome!
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Season 7 Episode 11: New Beginnings: Empowering Lessons from Quitting with Confidence
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In this final episode of the Crush Your Money Goals podcast, Bernadette Joy and Stefanie Gonzales reflect on key moments from Season 7, “Quit with Conviction.” They discuss standout episodes featuring guests like Erin from Hello Divorce and George Kamel, highlighting the personal growth and lessons learned from these conversations. Listeners are en…
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Season 7 Episode 10: Frugality, Mental Health, and Financial Freedom
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In this episode of Crush Your Money Goals, Bernadette Joy and Stefanie sit down with Shang, the inspiring force behind Save My Cents. Shang shares her journey to financial independence by age 31, her frugal yet joyful approach to life, and the powerful intersection of mental health and financial wellness. Recorded live from FinCon, this conversatio…
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Season 7 Episode 9: Breaking Barriers: Path to Wealth, Worth, and Well-Being
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In this episode of Crush Your Money Goals, Bernadette Joy and Stefanie welcome Fernanda, also known as the Relentless Latina, to share her inspiring journey from a struggling engineer to a six-figure investor. As a first-generation immigrant from Mexico, Fernanda reveals the challenges she faced, from workplace discrimination to chronic stress, and…
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Season 7 Episode 8: The Power Of Enough: Unlearning Bad Money Habits
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Imagine almost missing out on an eye-opening conversation because of preconceived notions! In this episode, Bernadette Joy and Stefanie sit down with George Kamel, a Dave Ramsey personality, to discuss financial independence from a fresh perspective. George shares his journey from being a debt-ridden millennial to achieving millionaire status, disc…
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Season 7 Episode 7: Transforming Fear into Power
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Can fear become your unexpected ally? Join us for an insightful conversation with the phenomenal Farnoosh Torabi, author of "A Healthy State of Panic!" as we explore how fear can be transformed from a stumbling block into a guiding force. Alongside Bernadette and Stefanie, Farnoosh shares insights on how embracing fear can lead to more authentic an…
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Season 7 Episode 6: Empowering Women for Financial Independence: Navigating Divorce
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In this episode of Crush Your Money Goals, we welcome Erin Levine, the founder of Hello Divorce, to discuss strategies for navigating divorce with confidence and financial independence. Explore the rise of “gray divorces” and the financial challenges women face post-divorce, highlighting the resources and support offered by Hello Divorce, including…
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Season 7 Episode 5: Transforming Your Career and 401(k) Strategy
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In this episode of Crush Your Money Goals, we sit down with Anne Lester, the former Head of Retirement Solutions at JP Morgan Asset Management, to discuss her transformative journey from Wall Street to personal pilgrimage. Anne delves into her pioneering work on target date funds, offering practical financial advice for professional women navigatin…
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Season 7 Episode 4: How To Turn A Sabbatical Into A Business And Quit Your Day Job (with Giovanna Gonzalez)
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Get ready for an exciting chat with Giovanna Gonzalez, aka Gigi or the First Gen Mentor! Learn about Gigi's big switch from a corporate gig in financial services to becoming a financial educator and advocate for Latinas. She opens up about leaving her steady job at Northern Trust to chase her passion for financial literacy, sparked by her viral Tik…
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Season 7 Episode 3: How To Be Ambitious Without Losing Your Authenticity (with Mandi Woodruff-Santos)
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In this episode of the "Crush Your Money Goals", Bernadette Joy and Stefanie chat with Mandi Woodruff-Santos to discuss her journey from journalism to entrepreneurship. Mandi shares her experiences with career transitions, balancing work and family life, and empowering women of color through her podcast "Brown Ambition." Mandi talked about her key …
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Season 7 Episode 2: How To Quit The American Dream And Becoming Financially Lit (with Jannese Torres)
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Join Bernadette Joy and Stefanie Gonzales for an inspiring conversation with Jannese, a trailblazing content creator and personal finance expert, as she shares her transformative journey and the incredible work she’s spearheading with the Yo Quiero Dinero podcast. Discover how Jannese empowers people of color, particularly women, to overcome system…
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Season 7 Episode 1: How to Quit with Conviction
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Join Bernadette Joy and Stefanie Gonzales in today’s episode of the Crush Your Money Goals podcast as they discuss quitting corporate life for financial freedom and personal fulfillment. Dive into Stefanie’s 15-year tech journey and its transformation, learn to navigate the challenges of leaving your job with grace and gain expert insights on wealt…
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Episode 12: Anti-Goals: The Rebellious Guide to Crushing Your Goals in 2024 (Season Finale)
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Can you believe it… we are at our Season 6 finale! In today’s episode, Bernadette and I share with you our ANTI GOALS as we start planning for 2024. That means we share with you the what and the how we will stop doing things that suck energy out of us. It’s an annual practice that I came across and wanted to try in 2024 vs the standard “new years r…
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Episode 11: Partners in FI: Our Husbands' Perspective
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We are coming to you LIVE from Fincon 2023 in New Orleans where Bernadette and I interview our husbands! We wanted to ask them questions about what it’s been like to pursue Financial Independence, especially with two bad ass women! This was a really fun and REAL episode! Here Joseph and AJ talk about: Who introduced the concept of FI first How it f…
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Episode 10: SkillPop: A New Way to Build Community and Connect with Others
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We are coming to you LIVE from Lisbon to talk about the work that Haley Bohon and Skillpop are doing to create learning experiences that are engaging, interactive and accessible. As Haley and her team would put it, you shouldn’t have to spend huge amounts of time or money to learn something new, so we make it simpler. If you are a woman who is look…
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Episode 9: FinCon2023 Live: Estate Planning with Stef's Mom - A Conversation About Love, Legacy, and Financial Security
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We are coming to you LIVE from Fincon 2023 in New Orleans & we are bringing a very special episode to you. Welcome Dr. Mary Lou Maldonado, Stefanie’s mom! Mary Lou recently turned 60 and as a gift to herself she got her Estate Plan established. We talk to her about why she felt this was important, her experience with her attorney and discussed why …
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Episode 8: FinCon 2023 Live: The Women in Money Mastermind & Community Experience
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We are coming to you LIVE from Fincon 2023 in New Orleans & we are talking about all things Women, Community and Masterminds. Bernadette & Stefanie had the opportunity to attend a Women In Money Mastermind this summer and we thought it would be a great idea to check in with some of the amazing women who attended. We asked them what their biggest ta…
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Episode 7: Career Effect Series: How Santana Overcame her Limiting Beliefs to Unlock a Life Aligned
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Today is a powerful episode about Life + Career + Money. If you have been following me @womenswealtheffect on Instagram or on Linked In you have seen that since July 2023, I have hosted a monthly Career Effect Series. I created this series because 3 out of 4 women do NOT feel comfortable talking about Career or Money at work. SOOO that means we nee…
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Episode 6: The RSU Millionaire: How to Build Wealth with Restricted Stock Units
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Hi y’all, Stefanie coming to you solo today to talk about RSUs (Restricted Stock Units)! I personally leveraged RSUs to build around $200k of my networth and I want to make sure you know the ins and outs of how they work WAY EARLIER than I did. Did you also know I left over $100k UN-vested when I left my job in 2022? I’ll share how having a PLAN fo…
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Episode 5: The Power of Money: How to Use Your Financial Resources to Make a Difference with Tanja Hester
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In this episode we come to you live from Fincon’s first Women In Money conferences with the one and only Tanja Hester! Tanja Hester, author of two award-winning books — Work Optional: Retire Early the Non-Penny-Pinching Way and Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change — is best known for retiring from…
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Episode 4: The Millionaire Renter: How to Leverage Real Estate to Build Wealth
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Bernadette and Stefanie are coming to you live from Lisbon, Portugal… talking about our experiences with Real Estate! We share all the tea on how we both significantly increased our net worth through real estate… and how we are now unapologetically renting as Millionaires. We cover questions like: How real estate fit into our financial strategies (…
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Episode 3: The Financially Empowered Woman: Forecasting Your Future with Stefanie
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Hola Hola everyone! Stefanie here for her first solo episode… eek! In this episode, I let you in on how my life has been in massive transition since 2018 as we moved from Texas to Singapore, had two kids and started on an intentional path towards financial independence. It was over this period that I had a real reckoning with what I wanted to do wi…
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Episode 2: The Future is Female: How Women's Financial Empowerment Can Build a Better World with Janine Firpo
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We are so excited to introduce you to Janine Firpo, a values-aligned investor, angel investor, and social innovator. In 2017 she left her 35-year career in technology and international development to focus on how women can create a more just and equitable society through their financial investments. In 2018 Janine launched a club to help women inve…
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Episode 1: Crushing Your Money Goals with The Women's Wealth Effect
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Welcome to the 6th season of the Crush Your Money Goals Podcast! We… yes, that is right, WE are so glad you are here! Bernadette introduces you to this season’s co-host, Stefanie Gonzales, the Founder of The Women’s Wealth Effect and they are coming to you from Lisbon, Portugal for this episode! We discuss how season 6 will be focused on the 4 pill…
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What happens when you finally reach your money goals
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We did it! After five years of painstakingly managing our budget, growing our income, and paying down $300,000 of debt, my husband and I reached a goal I thought would take us at least another decade. We hit our FIRE number. This means we have enough money in investments to become work-optional, according to the calculation traditionally used by th…
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How to live more luxuriously in 2023
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Marie Matthews is a luxury residential Interior Designer based in Charlotte, North Carolina. She’s also a Crush Your Money Goals ROCKSTAR who paid off over $30,000 of debt and left her day job to start her own design firm in 2022! In this episode, she shares three tips to refresh your home with a designer touch for 2023. She’s one of my favorite hu…
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How To Grow Your Audience In 2023 With Accessible Content
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You will reach more of your audience by incorporating accessibility with your online content and my guest and Crush Your Money Goals alum Laurie can help you get there! Laurie Necasek is an expert on accessible solutions for digital content. She’ll share her learning and development and psychology expertise to help your business be more accessible …
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Throw out the bro-y money advice in 2023
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Giovanna aka Gigi is financial educator and TikTok influencer featured on The New York Times, Mitu and Business Insider. She teaches financial literacy and career readiness at various organizations and on her TikTok account @thefirstgenmentor where she's built a community of almost 200,000. Her mission is to transform how First Gen, and other women…
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Champagne taste on a beer budget? Crush Your Money Goals alum Marisa Wilson is sharing how you can decorate beautifully without breaking the bank. She also shares her big leap from non-profit world to the world of interior design and how you can (and should) take the leap into your dream job. Special Offer: Room Audit Email marisa@marisawilsoninter…
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Reminding Women That Self-Care Isn’t Selfish
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Self-care is necessary and brave AF! Meet Carla Carlisle, one of my favorite Crush Your Money Goals alum who paid off six figures of debt in our work together! Carla, now a Tedx Speaker and author, became educated on how so many people live life in survival mode. The decade-long journey to motherhood recreated her and inspired her to focus on advoc…
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She Left The US And Pursued Financial Independence
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Meet Stef (she/her/hers), Career Coach and digital creator who helps career women build wealth! She’s a Latina Millionaire who paid off $420k debt, and my Instagram friend turned real life friend! She’s #goals because she was able to leave the US with her family of 4 and make a financially independent life abroad! You won’t want to miss the gems th…
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Four truths you need to hear about your money goals (from a debt free millennial millionaire)
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This episode was a huge milestone for me. It was the first time I got on stage in front of 1,500 OTHER personal finance experts to school them about… money. I have never been so nervous in my life! But here’s feedback I got from one of my favorite podcast hosts: “Oh my god @bernadebtjoy inject this energy in my veins!!! This woman’s talk just strai…
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Four Ways Being A Landlord Costs More Than You Planned
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Rental properties are a popular investment tool on the way to financial freedom, but owning and maintaining rental properties are two very different things. In this episode, I share four ways that being a landlord can be more expensive than you might be ready for. I also interview Adam, the SVP of Growth & Partnerships at Steadily, who uses technol…
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What To Do When Your Parents Need Financial Help
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According to a 2021 Fidelity study, 40% of caregivers have experienced financial setbacks due to their responsibilities. In this episode, I share my experiences as a first-generation Filipina American constantly at odds with my family culture. I hope you can use some of my suggestions to help your parents financially more smoothly than I have, and …
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Three Simple Rules To Save More And Pay Down Debt
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I learned that if I completely deprived myself of everything I enjoyed spending my money on, staying on my debt-free journey to millionaire status was not going to last very long. Finding the balance between living your best life and paying down soul-sucking debt like student loans is personal, but these three spending rules helped avoid the spendi…
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Four Major Money Mistakes I Wish I Avoided
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If you’ve made big money mistakes before, it’s never too late to recover from them! The beauty about money is that even when you lose it, there’s plenty more to be made. In this episode, I discuss the 4 major money mistakes I wish I avoided, and how you can avoid them yourself (or what to do if you’ve already made them). Bernadette Joy (@bernadebtj…
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It's the last episode of this season! Thanks to all of you who have listened this far. Here we talk about dealing with the loss of my Dad, what my existential crisis is looking like and how you can level up to crush your money goals now. To learn more visit crushyourmoneygoals.com!Autor: Bernadette Joy
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Building Wealth Within BIPOC Communities
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Race and wealth are uncomfortably interrelated and in this episode Bernadette Joy shares her practical tips to build wealth in BIPOC communities and why it matters for all of us. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!…
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Meet Bernadette’s better half AJ as he shares his own take on audience asked questions from his unfiltered experience and point of view. Learn how they downsized to one car, combined finances and dealt with managing money with big differences in incomes as a married couple. To join the Crush Your Money Goals membership or to take our next money mas…
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The answer is yes because AJ and I just crossed over our first $1M of net worth, so it's possible! But there's a big IF. You can only build wealth if you're willing to put a plan together and change the way you manage your money. In this episode, I'll share with you the four steps I took to fix my money flow and how you can use these steps to turn …
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Why (and if) you should get rid of your mortgage
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Fair warning, this advice is not for everyone. Having a roof over her head that didn’t have rent or a mortgage attached was A GAME CHANGER not only in money, but marriage, business and confidence for Bernadette Joy. She shares how and why she decided to ignore the advice of everyone around her and pay off her house by age 34. To join the Crush Your…
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Stop scrimping! Spend on whatever you freaking want
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Bernadette Joy will never shame you on spending on what you love. What are strategies to curb your spending and how can I still support businesses you love? In this episode, she shares why she doesn’t listen to penny pinching advice and shows you how you can spend on whatever it is you want without guilt [and not go broke]. To join the Crush Your M…
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Most people mess this up on saving and investing
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Bernadette Joy answers three most common questions: How can I be more disciplined in saving? What are the best tools for saving and investing? Should I change my investing strategy during a crazy time [like a global pandemic]? Her answers are probably not what you would expect. To join the Crush Your Money Goals membership or to take our next money…
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In honor of Women's History Month, Bernadette Joy is teaming up with Pink Mentor Network and Lauren Ansley Comedy Productions to talk about solutions for money, mentorship and morale for women in Corporate! In this episode, Bernadette gives a sneak peak fit the big event by giving her three tips for negotiating your salary as a woman. To sign up: h…
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Two Things Might Be Preventing You From Building Wealth
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Bernadette Joy doesn’t shy away from being contrarian and figured out these two things that most people care about are what was stopping her from becoming wealthy: credit cards and other people’s opinions. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on al…
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Should I stop investing to pay off debt?
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This question is totally contested by personal finance experts. Bernadette Joy shares her personal experience of how she not only paid off $300,000 of debt but how she and her husband became avid investors on their way to their first $1M of net worth in their thirties. To join the Crush Your Money Goals membership or to take our next money mastercl…
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Welcome to a new season of Dear Bernadebt Joy presented by Crush Your Money GoalsⓇ! Our founder Bernadette Joy is answering real audience questions from all over the world! In this episode, she answers important questions during this pandemic: What are your strategies in coping with money stress? How can I be more mindful about my spending when I l…
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Welcome to the first episode of UNDRESSED! In this series, I'll share what I've learned from starting and more importantly closing, my first business DRESSED and also introduce some business friends I've met along the way as we talk about what it's like to be an entrepreneur and the mistakes we've learned that you can learn from, too! And to learn …
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It's our next episode of UNDRESSED! I chat with my favorite local photographers Ray & Christy of Mnemosyne Studio and uncover: Photography tips for anyone with a small business What we learned about having women as customers Failing your first time around and still grow your business doing what you love Ray & Christy are not just as small business …
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It's another episode of UNDRESSED! What happens when you actually grow a brand that's worth a lot of value? You need to protect it of course! I chat with my friend and legal expert Carla Clements on how you protect your brand legally and the ups and downs of being a boss babe attorney and a new mom. To learn more about protecting your brand: https:…
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Should I have done a franchise instead of opening my own business? I absolutely loved this conversation with Lauren Cantor who coaches potential franchise owners on what it means to be in business for yourself, but not by yourself. We talk about how she bought her own franchise after being laid off in her fifties, what it's like to be a reinvented …
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