Episode 374: From $300K in Debt to $1 Million in Investments w/ Bernadette Joy Cruz Maulion

Journey To Launch

Jamila Souffrant

Finances, Business, Realestateinvesting, Entrepreneurship, Earlyretirement, Investing, Budgeting, Wealth

5 • 1.7K Ratings

🗓️ 15 May 2024

⏱️ 56 minutes

🔗️ Recording | iTunes | RSS

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Summary

Bernadette Joy Cruz Maulion is a first-gen Filipina-American joins the Journey To Launch podcast to share how she paid off $300,000 of debt in three years and invested her first $1 million in her 30s. Today, Bernadette works only 20 hours a week in order to focus her financial freedom on joy: K-Pop, yoga, karaoke and spoiling her nieces and nephews as their traveling rich auntie. She understands those who feel like they missed the money memo, and is dedicated to educating others on financial topics with strategies in a way so simple anyone can understand it.

In this episode Bernadette shares:

Her experiences growing up in New York City as an immigrant child of Asian descent, emphasizing the pressure to excel academically and socially.
How she had to make tough choices, such as saying no to friends' events and being honest about what she could afford, to achieve financial freedom.
Why she and her husband sold their paid-off home and chose to rent instead
Where she invests her money from real estate sales and rental income including high-yield savings, CDs, treasury bills 401k, IRAs, and real estate investment trusts.
The importance of being present in life's moments and embracing authenticity in both personal and professional aspects + more!

Transcript

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0:00.0	People often ask us like why are you doing it and first of all I'm like well
0:06.2	regardless of you rent or you buy you need a place to live so shelter is not a
0:10.6	waste of money but also I'm happy I'm just happy like that's my answer for you.
0:15.4	T minus 10 seconds.
0:18.0	Welcome to the Journey to Launch Podcast with your host Janela Sufrant, as a money expert who walks her talk.
0:25.0	She helps brave journeys like you, get out of debt, save, invest, and build real well.
0:32.0	Join her on the journey to launch to financial freedom in...
0:35.0	Five, four, three, two, one. If you want the episode show notes for this episode go to Journey to Launch.com or click the description of wherever you're
0:54.9	listening to this episode. In the show notes you'll get the transcribed
0:59.0	version of the conversation, the links that we mentioned, and so much more.
1:04.0	Also, whether you are an OG journeyer or brand new to the podcast,
1:08.0	I've created a free jumpstart guide to help you on your financial freedom journey.
1:13.0	It includes the top episodes to listen to,
1:15.0	stages to go through to reach financial freedom,
1:18.0	resources, and so much more.
1:20.0	You can go to Journeyto Launch.com
1:22.0	slash Jump Start to get your guide right now.
1:25.0	Okay, let's hop into the episode.
1:27.0	Hey, hey, journeyers.
1:31.0	Welcome to the Journey to Launch Podcast.
1:33.1	Today we have a special guest,
1:34.8	Benedict Joy, who was a first-gen Filipino American
	...

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