Article updated on Aug 29, 2024
I'm a self-made millionaire. Here are my five tips for creating a panic-free investment plan.
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Written by Bernadette Joy Money coach and founder of Crush Your Money Goals Bernadette Joy is a money expert that offers relatable advice on achieving financial freedom. She paid off $300,000 of debt in three years and invested enough to retire by 40. Bernadette has shared her expertise on TEDx, South By Southwest, and Nasdaq. Bernadette's upcoming book, CRUSH Your Money Goals, will be released in December 2024.
Edited by Dashia is a staff editor for CNET Money who covers all angles of personal finance, including credit cards and banking. From reviews to news coverage, she aims to help readers make more informed decisions about their money. Dashia was previously a staff writer at NextAdvisor, where she covered credit cards, taxes, banking B2B payments. She has also written about safety, home automation, technology and fintech. Courtney Johnston Senior Editor Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience as a freelance journalist covering policy, financial news, real estate and investing. A New Jersey native, she graduated with an M.A. in English Literature and Professional Writing from the University of Indianapolis, where she also worked as a graduate writing instructor.
CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.
Reviews ethics statementOur Experts
Written by Bernadette Joy Money coach and founder of Crush Your Money Goals Bernadette Joy is a money expert that offers relatable advice on achieving financial freedom. She paid off $300,000 of debt in three years and invested enough to retire by 40. Bernadette has shared her expertise on TEDx, South By Southwest, and Nasdaq. Bernadette's upcoming book, CRUSH Your Money Goals, will be released in December 2024.
Edited by Dashia is a staff editor for CNET Money who covers all angles of personal finance, including credit cards and banking. From reviews to news coverage, she aims to help readers make more informed decisions about their money. Dashia was previously a staff writer at NextAdvisor, where she covered credit cards, taxes, banking B2B payments. She has also written about safety, home automation, technology and fintech. Courtney Johnston Senior Editor Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience as a freelance journalist covering policy, financial news, real estate and investing. A New Jersey native, she graduated with an M.A. in English Literature and Professional Writing from the University of Indianapolis, where she also worked as a graduate writing instructor.
CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.
Reviews ethics statementWhy You Can Trust CNET Money
Table of Contents
- What happened with the stock market this month?
- Why I wasn’t worried about my money
- 1. Invest for the longterm
- 2. Keep a month of expenses in your checking account
- 3. Create a ‘stuff happens’ fund to withstand market dips
- 4. Use the dollar-cost average strategy, no matter what
- 5. Stay informed, not overwhelmed
Bernadette Joy, founder of Crush Your Money Goals
Bernadette Joy/CNET
Written by
Bernadette Joy
Money coach and founder of Crush Your Money Goals
Bernadette Joy is a money expert that offers relatable advice on achieving financial freedom. She paid off $300,000 of debt in three years and invested enough to retire by 40. Bernadette has shared her expertise on TEDx, South By Southwest, and Nasdaq. Bernadette's upcoming book, CRUSH Your Money Goals, will be released in December 2024.