{"href":"https://api.simplecast.com/oembed?url=https%3A%2F%2Ftimefreedom.simplecast.com%2Fepisodes%2Fbernadette-joy-NYvf5Gm_","width":444,"version":"1.0","type":"rich","title":"Bernadette Joy Crushed Her Money Goals and Retired at 40","thumbnail_width":300,"thumbnail_url":"https://image.simplecastcdn.com/images/e3207fb4-fd7f-4506-ae81-6e2b91f97dfc/8949762f-4cae-4032-a97e-ef17ee14b6ec/podcast.jpg","thumbnail_height":300,"provider_url":"https://simplecast.com","provider_name":"Simplecast","html":"<iframe src=\"https://player.simplecast.com/39d42471-099e-4eef-a538-5dd784c7e7e7\" height=\"200\" width=\"100%\" title=\"Bernadette Joy Crushed Her Money Goals and Retired at 40\" frameborder=\"0\" scrolling=\"no\"></iframe>","height":200,"description":"Today on the podcast, Brian and Kirby welcome Bernadette Joy. Bernadette, 40 and married with no kids, splits time between Charlotte, NC and Las Vegas. She's a money coach, author, and self-proclaimed K-pop stan who announced her retirement on December 10th.\n\nIn this episode… Bernadette gets real about what led to her retirement announcement, including the loss of a close friend who kept waiting for the \"right time.\" She shares how a 90-day sabbatical became permanent, why protecting her calendar should have been a priority sooner, and the uncomfortable truth that time freedom might have accelerated her path to financial freedom. She and Brian also dig into being trolled online, the book marketing move that actually worked, and what happens when you've crushed all your goals and have nothing left to chase."}