Bernadette Joy answers three most common questions:  How can I be more disciplined in saving?  What are the best tools for saving and investing?  Should I change my investing strategy during a crazy time [like a global pandemic]?  Her answers are probably not what you would expect. To join the Crush Your Money Goals membership or to take our next money masterclass, visit crushyourmoneygoals.com or follow @bernadebtjoy on all social media!