Shows
Mitlin Money MindsetFrom Debt to Wealth: How Bernadette Joy Took Control of Her Financial Future (Ep. 241)Can you pay off $300,000 in debt and become a millionaire in your thirties? Bernadette Joy did, and she’s here to tell you how. In this episode of Mitlin Money Mindset®, Larry Sprung sits down with Bernadette Joy, CEO of Crush Your Money Goals®, to discuss her journey from corporate employee to self-made millionaire and bestselling author. She shares the personal motivations behind her financial transformation, her unique approach to coaching others, and the hard truths about entrepreneurship, debt, and building true wealth. Bernadette also opens up about the importance of financial conversations, especially with paren...2025-06-1142 min
Organizing for Beautiful Living: Home Organizing Tips, Sustainable Organizing Tips, Decluttering Tips, and Time Management Tips for Working Moms and Entrepreneurs056. Declutter Your Finances, with Bernadette JoyBefore you yawn and tune out because this episode is about finances, hold on!Back in January, I attended a podcasting conference and met today’s guest, Bernadette Joy — a financial coach whose vibrant energy immediately drew me in. What blew me away was her fresh, no-nonsense approach to money: she teaches financial freedom the same way I teach home organization — through decluttering.Bernadette is the author of Crush Your Money Goals, recently named one of Oprah's Top 10 Books for Personal Growth in 2025! She's also graced stages like South by Southwest, Nasdaq, FinCon, and TEDxHouston.In...2025-04-2944 min
Your Working LifeCrush Your Money Goals with Bernadette Joy Website: https://secure.ice/?https://www.crushyourmoneygoals.com/ BERNADETTE JOY isn’t just another financial expert—she is a passionate advocate for financial literacy and empowerment and a sought-after financial coach and speaker. Having paid off $300,000 in debt by age 37 she is a living testament to the power of smart money habits having achieved a net worth of $1 million in her 30s as a first-generation Filipina-American. Bernadette’s story is proof that anyone can take control of their finances and thrive. Since launching Crush Your Money Goals® in 2020, she has impacted thousands of people nationwide, offering d...2025-04-1724 min
Office Hours with David MeltzerBernadette Joy, Lindsey Van Wagner, Dr. Nona Djavid | IG LiveBernadette JoyBernadette Joy is a financial coach and speaker who is passionate about financial literacy and empowerment. She went from being $300,000 in debt to having a net worth of $1 million in her 30s, all while being a first-generation Filipina-American. Her journey shows that with smart money habits, anyone can take control of their finances. Since launching Crush Your Money Goals in 2020, Bernadette has helped thousands of people with her relatable and fun approach to financial education, proving that financial success is possible for everyone.Lindsey Van WagnerLindsey Van...2025-03-2730 min
Tickets to TravelEp. 29 - "Booked, Broke, and BTS Bound: Bernadette Joy's KPOP Ticket & Travel Experience Playbook"Booked, Broke, and BTS Bound: Bernadette Joy's KPOP Ticket & Travel Experience Playbook In this episode of Tickets to Travel, we dive into the high-energy world of KPOP superfans with Bernadette Joy, a financial educator and lifelong music lover who’s traveled coast to coast (and beyond) for her favorite idols. From navigating dynamic ticket pricing and limited tour stops to mastering fan club perks, high-touch experiences, and travel hacks, Bernadette breaks down what it really takes to follow a global KPOP tour. 🎤 She shares: Her first KPOP concert moments and how she becam...2025-03-2554 minTickets to TravelEp. 29 - "Booked, Broke, and BTS Bound: Bernadette Joy's KPOP Ticket & Travel Experience Playbook"Booked, Broke, and BTS Bound: Bernadette Joy's KPOP Ticket & Travel Experience Playbook In this episode of Tickets to Travel, we dive into the high-energy world of KPOP superfans with Bernadette Joy, a financial educator and lifelong music lover who’s traveled coast to coast (and beyond) for her favorite idols. From navigating dynamic ticket pricing and limited tour stops to mastering fan club perks, high-touch experiences, and travel hacks, Bernadette breaks down what it really takes to follow a global KPOP tour. 🎤 She shares: Her first KPOP concert moments and how she becam...2025-03-2554 min
The DoughCrush Your Spending Shame with Bernadette JoyI’ll take an Uber Eats order with a side of guilt, please. Actually, hold that because according to millionaire mentor Bernadette Joy y’all should stop feeling bad about ordering food if you’re simply conserving energy. Honey, we’re booked and busy so if your money habits are in service of your wealth, health or mental wellbeing, what’s the problem?! BernaDEBT is a nationally recognized finance expert who personally paid off over 300 thousand dollars in three years. As the author and founder of CRUSH Your Money Goals, Bernadette Joy is here to give us tips on how to get...2025-03-2038 min
Love Life After...Love Life After- S10E4- Bernadette Joy: Crush Your Money GoalsSend us a textFrom Debt to Millionaire: The Mindset Shift with Bernadette Joy In this episode, I sit down with Bernadette Joy, author of Crush Your Money Goals, to talk about her incredible journey from being in debt to becoming a self-made millionaire. She shares how a single decision to shift her mindset and take control of her finances completely transformed her life.We dive into the importance of financial literacy, breaking free from limiting beliefs, and the steps she took to build wealth. If you're ready to t...2025-03-0534 min
Dare to Disrupt with Zenica ChatmanAchieving Financial Freedom & Abundance with Bernadette JoyIn this live recording of the Dare to Disrupt podcast from Charlotte, North Carolina, host Zenica Chatman welcomes financial coach and debt-free millionaire Bernadette Joy. Bernadette shares her impactful journey of paying off $300,000 in debt, achieving millionaire status, and working only 20 hours a week. The episode covers effective budgeting strategies, the significance of negotiation, the psychological aspects of financial freedom, and practical tips for women looking to redefine their work-life balance. Bernadette offers insights on generating passive income, making wise investments, and the personal fulfillment that comes with financial independence and living a balanced life.00:00 Introduction to...2025-02-261h 13
The Note Closers Show PodcastHow to Crush Your Money Goals with Bernadette JoyFrom $300K in Debt to Seven Figures: Bernadette Joy's Inspiring Money StoryThis week on The Note Closers Show, we were thrilled to have Bernadette Joy, a best-selling author and inspiring finance expert, share her incredible journey from crushing over $300,000 in debt to building a seven-figure net worth. Bernadette's story is a testament to the power of perseverance, strategic planning, and a dash of humor—because who doesn't need a laugh when battling debt?Her path to financial freedom wasn't a straight line. After graduating with three degrees (two in...2025-02-2050 min
The Teacher Money Show73: CRUSHing negative thought patterns with Bernadette JoyIs your mindset holding you back from financial success? In this episode of *The Teacher Money Show*, I sit down with **Bernadette Joy** to talk about breaking negative thought patterns and stepping into a wealth-building mindset—no matter your income. Explore the show notes at:https://www.teachermoneyshow.com/show73Become a guest on the show:https://www.teachermoneyshow.com/guestLeave a voicemail question:https://www.speakpipe.com/teachermoneyshow2025-02-1955 min
Legal Lounge25. What Does Financial Independence Look Like? | Breaking Free of Society’s Expectations with Bernadette Joy CruzIn this heartfelt and eye-opening episode, Bernadette Joy joins Theresa to dive into the deeper layers of financial wellness. This isn’t just about dollars and cents—it’s about addressing the emotional and physical toll of financial challenges. We discuss why professional guidance should be a part of your financial strategy, how societal structures like the patriarchy play a role, and the importance of prioritizing your mental and physical health as you pursue financial freedom. Bernadette shares her wisdom and practical insights, reminding us that true financial success isn’t just about a lavish lifestyle—it’s about stability an...2025-02-1834 min
Everyday Money HeroesHow Bernadette Joy Paid Off 300K of Debt in 3 Yrs & Built $1M Net Worth by 30!In this episode of Everyday Money Heroes, we sit down with the incredible Bernadette Joy, a nationally recognized money expert featured on Good Morning America, NBC News, Time, and USA Today. Bernadette shares her inspiring journey of paying off $300,000 in debt in just three years—without using credit cards, car loans, or mortgages! 🚀💸As the founder of Crush Your Money Goals, she helps overlooked communities, especially women and people of color, achieve financial independence while actually enjoying the process. We dive into her debt-free strategies, the mindset shifts that changed her financial future, and insights from her book Cru...2025-02-1423 min
Be Freaking Awesome PodcastEP155 How to Stop Letting Fear of Rejection Hold You Back From Success with Bernadette JoySend us a textJoin Angela Belford and Sami Kinnison as they chat with Bernadette Joy, a financial empowerment expert and angel investor. Together, they dive into overcoming the fear of self-promotion, crafting a life of financial independence, and pursuing joy through purpose-driven living. Whether you’re a business owner, coach, or someone looking to crush their money goals, this episode will inspire you to step into your potential.Episode Description:In This Special Episode of Be Freaking AwesomeAngela and Sami sit down with Bernadette Joy to unpack the challenges of...2025-01-3155 min
Price of Avocado ToastFrom Hustling to Healing Your Money Featuring Bernadette JoyToday's guest is Bernadette joy. She’s an author and fellow money coach helping folks crush their money goals. Bernadette shares her journey around mental wellness and money that ultimately led to her and her husband paying off $300,000 of debt! We have a great conversation about renting vs buying and the dangers of believing in one-size-fits-all narratives. Enjoy! In this episode, we chat about: The evolution of personal finance advice Mental health struggles alongside financial struggles Habit change vs. Consuming information MENTIONED IN THIS EPISODE: Empow...2025-01-2956 min
Yellow Shelf PodcastCRUSH Your Money Goals, author Bernadette JoyCRUSH Your Money Goals: 25 Smart Money Habits to Save, Invest, and Fast-Track Your Financial Freedom. Want to ... Crush Your Money Goals and turn to the power of habits to make lasting financial changes! When it comes to building financial health, adopting good money habits that will last (and dropping bad ones) can insure financial freedom. In Crush Your Money Goals, you will find information on the psychology behind why habits work to achieve goals, and twenty-five simple habits to adopt, and which to drop, to help you invest properly, budget, save, climb out of debt, an...2025-01-2807 min
How to MoneyCRUSH Your Money Goals w/ Bernadette Joy #932SMART goals are out, CRUSH money goals are in! We’re joined today by expert money coach Bernadette Joy, who we met for the first time last year at the nerdy personal finance and media conference that we attended. We actually gave a talk, while Bernadette was the host for the entire conference, and there may not be anyone else on earth with as much personal finance enthusiasm as Bernadette. She’s a breath of fresh air to the world of personal finance and is featured monthly in Forbes, CNBC, and CNET. Her new book, Crush Your Money Goals, came...2025-01-1554 min
Childfree Wealth®Money Goals, FIRE Dreams, and Screenless Sundays with Bernadette Joy, Ep 116What if you could crush $300K in debt, build a $1M net worth, and still have time for joy and balance? 💡 In this episode of the Childfree Wealth Podcast, Dr. Jay sits down with Bernadette Joy, founder of Crush Your Money Goals, to talk about her incredible financial journey. From wiping out massive debt in three years to planning early retirement by 40, Bernadette shares her secrets to achieving financial freedom. 🌟Together, they dive into:How political awareness plays into financial independence 🗳️Rethinking traditional retirement with the FIRE mindset 🔥Balancing financial goals with personal growth, including her ‘Screenless Sunda...2024-12-1137 min
Ignite An Game-Changing Full Audiobook And Elevate Your Mindset.CRUSH Your Money Goals: 25 Smart Money Habits to Save, Invest, and Fast-Track Your Financial Freedom by Bernadette JoyPlease visithttps://thebookvoice.com/podcasts/1/audiobook/817274to listen full audiobooks.
Title: CRUSH Your Money Goals: 25 Smart Money Habits to Save, Invest, and Fast-Track Your Financial Freedom
Author: Bernadette Joy
Narrator: Bernadette Joy
Format: Unabridged Audiobook
Length: 7 hours 31 minutes
Release date: December 10, 2024
Genres: Accounting & Finance
Publisher's Summary:
Atomic Habits and Psychology of Money meets Investing 101 and Personal Finance 101 as financial superstar Bernadette Joy breaks down how using her CRUSH program can help you get out of debt, save money, build wealth, and live a more financially comfortable life. Get ready to Crush Your Money Goals and turn to the power of...2024-12-107h 31
Yo Quiero DineroCrushing Your Money Goals | Bernadette Joy | CRUSH Your Money Goals®Bernadette Joy is a renowned personal finance expert and the founder of Crush Your Money Goals®, a financial education platform established in 2020. She has empowered thousands across the United States with practical strategies to eliminate debt, enhance savings, and invest confidently, all aimed at achieving financial peace.In her personal journey, Bernadette successfully paid off $300,000 in debt within three years and accumulated her first $1 million in net worth during her thirties. As a first-generation Filipina American and the eighth of nine siblings, she brings a relatable and inspiring perspective to financial empowerment.Bernadette's expertise has bee...2024-12-0259 min
Crush Your Money GoalsSeason 7 Episode 11: New Beginnings: Empowering Lessons from Quitting with ConfidenceIn 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 encouraged to embrace the power of quitting with purpose as they announce the end of the podcast and express gratitude to the audience for their support throughout the journey.In this episode, you will learn the following :
How to quit with confidence and...2024-10-0248 min
Crush Your Money GoalsSeason 7 Episode 10: Frugality, Mental Health, and Financial FreedomIn 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 conversation is a must-listen for ambitious women who aspire to break free from the corporate grind, embrace frugality, and achieve financial independence with confidence.In this episode, you will learn the following :
Frugality and how it can be a...2024-09-2726 min
Crush Your Money GoalsSeason 7 Episode 9: Breaking Barriers: Path to Wealth, Worth, and Well-BeingIn 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 how she ultimately transformed her life by quitting toxic environments and embracing her worth. This episode is a must-listen for anyone who wants to learn how to build wealth, especially if you’ve been hesitant about investing or felt underappreciated in your career.2024-09-1839 min
Crush Your Money GoalsSeason 7 Episode 8: The Power Of Enough: Unlearning Bad Money HabitsImagine 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, discussing the importance of learning from diverse perspectives, unlearning toxic money habits, and embracing intentional financial management.In this episode, you will learn the following :
Unlearning harmful beliefs like the need for credit scores and glorifying debt
Transitioning from a "YOLO" (You Only Live O...2024-09-1135 min
Crush Your Money GoalsSeason 7 Episode 7: Transforming Fear into PowerCan 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 and well-prepared life transitions.In this episode, you will learn the following :
Embracing fear as a guiding tool rather than bulldozing through it.
Impact of social media on career and personal life choices.
Importance of carving one's...2024-09-0435 min
Crush Your Money GoalsSeason 7 Episode 6: Empowering Women for Financial Independence: Navigating DivorceIn 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 mediation, legal assistance and financial planning. Erin shares her journey from the legal field to creating a platform that empowers women, providing valuable insights into prenuptial and postnuptial agreements and fostering financial literacy.In this episode, you will learn the following :
How to n...2024-08-2835 min
Crush Your Money GoalsSeason 7 Episode 5: Transforming Your Career and 401(k) StrategyIn 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 navigating their 401(k)s and retirement planning. She also shares her personal experiences of leaving a high pressure career to pursue new passions, including a pilgrimage walk from Canterbury to Rome and writing her forthcoming book.In this episode, you will...2024-08-2134 min
Crush Your Money GoalsSeason 7 Episode 4: How To Turn A Sabbatical Into A Business And Quit Your Day Job (with Giovanna Gonzalez)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 TikTok success. They dive into the emotional rollercoaster Gigi went through, including how it affected her family and the tough times she faced while writing her best-selling book, "Cultura and Cash." The episode is all about quitting with confidence and...2024-08-1436 min
Crush Your Money GoalsSeason 7 Episode 3: How To Be Ambitious Without Losing Your Authenticity (with Mandi Woodruff-Santos)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 career moments, mindset and financial stability, and the challenges of authentic content creation. In this episode, you will learn the following :
Balancing entrepreneurship with motherhood and family life
Challenges and rewards of being the breadwinner in her family
Au...2024-08-0739 min
Crush Your Money GoalsSeason 7 Episode 2: How To Quit The American Dream And Becoming Financially Lit (with Jannese Torres)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 systemic obstacles and build wealth, while staying true to oneself and maintaining genuine connections. Dive into the unique financial challenges faced by the Latina community and get an exclusive glimpse into Jannese’s forthcoming book, Financially Lit, packed with insights and actionable advice to help you crush your money goal...2024-07-3139 min
Crush Your Money GoalsSeason 7 Episode 1: How to Quit with ConvictionJoin 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 wealth preservation and financial planning. Hear personal stories and diverse perspectives that highlight the unique paths to success and the importance of aligning work with core values. Be inspired to confidently embrace change and pursue a life of wealth and meaning beyond the 9 to 5 grin...2024-07-2428 min
Journey To LaunchFrom $300K in Debt to $1 Million in Investments w/ Bernadette Joy Cruz MaulionBernadette 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...2024-05-1555 min
Second Act Success Podcast: Career Transitions, Entrepreneurship, and Business Advice for WomenCareer Changes and Tips To Crush Your Money Goals with Bernadette Joy (Replay) | Ep #139Career Changes and Tips To Crush Your Money Goals with Bernadette Joy (Replay) | Ep #139Meet Bernadette Joy, financial health activist and founder of Crush Your Money Goals. Host and Career Coach Shannon Russell sits down with Bernadette to talk about how she went from a career in Human Resources to working in finance, fashion, and then landed herself in debt. She shares how she and her husband paid off their debt and now she teaches others how to live debt-free. Listen to Bernadette's amazing second act success story on this Episode #139 of the Second Act Success Career Po...2024-05-0347 min
Shedding the Corporate BitchTap into Intrinsic Motivators for Employee Engagement with Joy MeserveUnlocking the true potential of your team starts with understanding what truly motivates people. This episode featuring Joy Meserve of Leading with Joydives into the power of partner leadership: a leadership style that emphasizes a culture of ownership in order to empower teams.Joy explores how viewing employees as valuable gifts and considering their intrinsic motivators can increase engagement and transform an entire organization. She highlights trust and autonomy as the backbone of a thriving, productive workplace, and encourages leaders to leverage the strengths and passion of every...2024-04-0234 min
The Get Ready Money PodcastThe Get Ready Money Podcast with Bernadette Joy: Crush Your Money GoalsSend us a textOn the latest episode of The Get Ready Money Podcast, I spoke with Bernadette Joy, Chief Educator at Crush Your Money Goals about changing the way we think about money and how to crush our money goals. In this episode we discussed:The value of becoming who you want to be.How we can face our fears. The importance of taking the leap to do what you want. How we can break generational curses and build generational wealth. Bernadette Joy is the Chief Educator at Crush Your Mone...2024-02-2837 min
Soul Wisdom184 Finding JoyThis is a hot topic and one worth exploring, as joy is fundamental to being human. It’s your birthright to be joyful. In this episode I share about:The empowerment in finding joyWhat joy really isHow to embrace more of your own inner joy Book Now:https://www.bernadettehartman.com/private-sessions/ Stay ConnectedWebsite: https://www.bernadettehartman.comFacebook: https://www.facebook.com/bhartman05Live Monthly Call: https://www.bernadettehartman.com/product/monthly-group-call/Purchase Essential Oils: https://www.myyl.com/bhartman111
2024-01-2304 min
Crush Your Money GoalsEpisode 12: Anti-Goals: The Rebellious Guide to Crushing Your Goals in 2024 (Season Finale)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 resolution.” Can you relate?We also added a twist into today’s episode to make it fun and give...2023-11-2840 min
Crush Your Money GoalsEpisode 11: Partners in FI: Our Husbands' PerspectiveWe 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 feels to reach FI
What it’s like to pursue FI with kids
And m...2023-11-2133 min
Crush Your Money GoalsEpisode 10: SkillPop: A New Way to Build Community and Connect with OthersWe 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 looking for community or are simply excited to hear 3 bad ass women talk about entrepreneurship, this episode is for you!2023-11-1432 min
Inspired Budget#131: Bernadette Joy's Path from $300,000 Debt to $1 Million Net WorthImagine having a rich auntie who can impart financial wisdom, help you pay off debt, and guide you towards building your wealth. Today, we have the privilege of chatting with Bernadette Joy, a renowned money expert, who is just that—a rich auntie—and she takes us on an incredible journey of her transition from a staggering $300,000 debt to a whopping $1 million net worth, all in her 30s. We take a peek into her tough journey, her slip-ups, and her money smarts, showing us how to wipe out debt, stash some cash, and invest with confidence.One...2023-11-0938 min