Personally I found this book to have too much text compared to the amount of information you get.

Some chapters have really catchy titles (the type you can see on YT or TikTok), and that make me feel like this book was a bit more clickbait-y than it is. The ideas are usually not bad, but nothing impressive, but there are also things that don't apply to myself and I can't use or things I don't relate to since this books is focused more on the American way of life. Personally I don't have collage debt since in my country, if you have good grades, you can get a Bachelor's and a Master's degree for free, and I realise I was really blessed to not have this kind of debt hanging on my shoulders, and while I don't blame the book for adding this part since a lot of people deal with this, it was simply not the case for me. However, I have other financial struggles so I still considered that the book can be helpful. And it can, but I simply can't agree with some advice (maybe I misunderstood, but outsourcing the cleaning of my apartment and focus on making more money would be great, if I had the money for that or if starting a side hustle would bring me enough money right from the start).

There are still useful things and I will try to apply many ideas to my budget in the future, but I don't think this book is the best you can get on this topic. It might work for you, but for me, I feel like it's not enough

Great personal finance book that delves into your why. Great step-by-step strategies to decrease your debt and increase your savings and quality of life. Would recommend to anyone who would like to get started on this journey.

2,5 stars

"Crush Your Money Goals" wasn't quite what I was looking for:
Some of the tips in this book might be quite useful, but a lot of this book consists - in my opinion - of platitudes and the author mentioning again and again that she is a millionaire.

Thank you to NetGalley, Adams Media & Bernadette Joy for letting me preview the book

Though this book has some sections I would say are American focused – for the investing and the retirement parts. But there were many points to take any, I wrote down a bunch of tips I will hopefully apply to my budgeting.
Publication date: 10th December 2024
Read dates: 19th November – 17th December 2024

In this book, Joy gives a good intro on personal finance to your average person. However, I didn't vibe with the book and her advice like I thought I would. Some of her tips and advice is solid but there is a lot of basics that she doesn't explain or cover. She also focuses quite heavily on the idea that anybody can follow this plan and get rich, but that's not the reality for many people.

CRUSH Your Money Goals has so much wisdom surrounding not only budgeting, but sage advice on credit card usage, investing, and insurance. While many of the components are familiar to Suze Orman or Dave Ramsey, Bernadette Joy offers the unique aspect of her Psychology background to recognize how money is a component of individuals and the way they think and act. She has included several testimonials of others using her systems to build wealth, and they help reinforce the recurring theme that we all operate a bit differently but can maintain the same end goal with our money habits. I can definitely see it as a guidebook that can be used from chapter 1 through the end but also as a resource for when certain money scenarios arise.

One of my goals for 2025 is to be better with money. This title was super helpful as a starting point. I liked how Joy inserted her own experiences into the book. I found her writing style easy to follow and I plan to implement her ideas. Thanks to NetGalley for the ARC.

An easy read, but nothing ground-breaking. I could see this book working for some, but certainly not for others. Good luck on your money goals peeps!