FAQ
1. Do we have to be married to count as a couple?
No! We love when people do this with a battle buddy!
We don't care what your relationship is--married, engaged, mother/daughter, siblings, friends, co-workers, etc. It doesn't matter! Doing this journey with a partner will only increase your success, so long as both people are willing to do the work.
Just know that we DON'T split the tab for you.
Please, remember, married or not, you need to learn the content for yourself, do the homework for yourself, and show up to coaching with the questions YOU have. In order for a partnership to thrive, each person needs to come to the table as their best, with their best. We discourage the "you do it and tell me what you learn" pattern, which is why we prioritize that the "couples" offer be a FABULOUS deal! This is NOT the place to cut corners! xoxoxo
That said, we also know that married couples frequently have different enthusiasm levels and brain space for money stuff. Most financial coaches, for good reasons, won't work with married people if both partners aren't participating. But Ruth herself says, "If I had to wait for my husband to participate before I could learn or do anything, we would be divorced!"
So we get it! Which is why the "flying solo" option is still a KILLER deal.
The skills learned in the courses, especially "Relationships and Money," will help you work more successfully with your spouse in this important part of life. For best success, please ensure you meet the "Are You Ready" criteria with your marriage.
We don't care what your relationship is--married, engaged, mother/daughter, siblings, friends, co-workers, etc. It doesn't matter! Doing this journey with a partner will only increase your success, so long as both people are willing to do the work.
Just know that we DON'T split the tab for you.
Please, remember, married or not, you need to learn the content for yourself, do the homework for yourself, and show up to coaching with the questions YOU have. In order for a partnership to thrive, each person needs to come to the table as their best, with their best. We discourage the "you do it and tell me what you learn" pattern, which is why we prioritize that the "couples" offer be a FABULOUS deal! This is NOT the place to cut corners! xoxoxo
That said, we also know that married couples frequently have different enthusiasm levels and brain space for money stuff. Most financial coaches, for good reasons, won't work with married people if both partners aren't participating. But Ruth herself says, "If I had to wait for my husband to participate before I could learn or do anything, we would be divorced!"
So we get it! Which is why the "flying solo" option is still a KILLER deal.
The skills learned in the courses, especially "Relationships and Money," will help you work more successfully with your spouse in this important part of life. For best success, please ensure you meet the "Are You Ready" criteria with your marriage.
2. Why would I pay for a coaching course instead of putting that money toward my financial goals?
Albert Einstein said, "We can't solve problems with the same thinking we used when we created them."
If you truly want the huge benefits of this course and are sincerely working through the math of your situation, we encourage you to focus on the benefits rather than the cost. We know this is a huge leap of faith for people. If you commit to the course and do the homework assignments, the money will come back to you 1000's times.
If it helps, every client to date who did the work with even moderate effort reports it was worth every penny.
If you meet the "Are Your Ready" criteria, but aren't sure Ruth is the coach for you, take a look at the free resources. You are also welcome to schedule a free consultation. If Ruth is not the coach for you, she will likely know someone who is.
If you truly want the huge benefits of this course and are sincerely working through the math of your situation, we encourage you to focus on the benefits rather than the cost. We know this is a huge leap of faith for people. If you commit to the course and do the homework assignments, the money will come back to you 1000's times.
If it helps, every client to date who did the work with even moderate effort reports it was worth every penny.
If you meet the "Are Your Ready" criteria, but aren't sure Ruth is the coach for you, take a look at the free resources. You are also welcome to schedule a free consultation. If Ruth is not the coach for you, she will likely know someone who is.
3. How can I pay for a coaching course when I'm living paycheck-to-paycheck?
"If you think education is expensive, you should try ignorance." - Derek Bok
Clients usually find the money in their current budget using their new skills. Some decide to pull from savings. Other people cash in on Birthday/Christmas money or sell stuff hanging around the house or storage unit.
Some employers will pay part or all the cost. Use this PDF to start the conversation. Many clients make the money on the side or even earn promotions and raises at work from applying the skills they learn.
Ruth discourages the use of credit cards because there is nearly always another way; finding the funds could be looked at as your first homework assignment. ; ) That said, we understand those skills are exactly what you know you lack and we are very confident in what you will learn in the courses. So, if you really can't figure out another way in short notice, and if you are committed to doing the work, then.....
Clients usually find the money in their current budget using their new skills. Some decide to pull from savings. Other people cash in on Birthday/Christmas money or sell stuff hanging around the house or storage unit.
Some employers will pay part or all the cost. Use this PDF to start the conversation. Many clients make the money on the side or even earn promotions and raises at work from applying the skills they learn.
Ruth discourages the use of credit cards because there is nearly always another way; finding the funds could be looked at as your first homework assignment. ; ) That said, we understand those skills are exactly what you know you lack and we are very confident in what you will learn in the courses. So, if you really can't figure out another way in short notice, and if you are committed to doing the work, then.....
4. Can I learn at my own pace?
Yes! I certainly understand the schedule demands of productive adults, which is why I have worked so hard to make my content digital. The course content moves you through each piece as you complete the previous one. And you can bring up whatever you are working on in the moment in the live group coaching sessions.
That said, the results promised from the course are created by completing the homework assignments.
That said, the results promised from the course are created by completing the homework assignments.
5. Are you accredited or licensed by educational organizations?
There are no licensing or accreditation requirements to be a financial coach.
However, Ruth has a bachelor's degree in family finance--her practicum was in financial counseling, she is a YNAB Certified Coach, and she completed Ramsey Solution's Master Training program. She has been budgeting and investing since her youth, and has helped 100's of people create budgets that actually work for them.
Ruth does not take lightly the trust and confidence people place in her, and she works hard to be as competent and professional as possible. If you would like more info about her qualifications, visit the About Ruth page.
However, Ruth has a bachelor's degree in family finance--her practicum was in financial counseling, she is a YNAB Certified Coach, and she completed Ramsey Solution's Master Training program. She has been budgeting and investing since her youth, and has helped 100's of people create budgets that actually work for them.
Ruth does not take lightly the trust and confidence people place in her, and she works hard to be as competent and professional as possible. If you would like more info about her qualifications, visit the About Ruth page.
6. Does coaching really work?
YES. Yes. Yes.
Coaching can increase your success by more than 80%!!
Financial coaching is even beneficial when done vicariously, which is one of the great things about group coaching. Even if you don't know what questions to ask, you can learn as you watch other people work on their stuff.
Coaching can increase your success by more than 80%!!
Financial coaching is not a service of hours worked but of accountability, experience, and TRANSFORMATION.
- Changed insight
- Better tools--physical and metaphysical
- BIG support and awesome accountability
- Time saved
- Money saved
- Frustration spared
- and RESULTS, result, results!
Financial coaching is even beneficial when done vicariously, which is one of the great things about group coaching. Even if you don't know what questions to ask, you can learn as you watch other people work on their stuff.
7. How much personal coaching will I get?
LOTS! The Abundant Budget Group sessions and community platform is ALL about getting personal attention every time! The digital courses have built in check-in's for personal feedback with all the homework, and Ruth provides several ways to contact her directly for questions that are time sensitive.
A private coaching session is given to those who pay in full up front, and this adds HUGE momentum and clarity for those who take advantage.
Private coaching sessions may also be purchased along the way.
8. What are the technology requirements?
You can access all the course content via your mobile phone or desktop.
All coaching sessions are done via Zoom; you don't need to download anything, just join the meeting via the provided link via email and your membership portal.
While not essential, a desktop makes it easier to share your screen and troubleshoot budget tech stuff.
All coaching sessions are done via Zoom; you don't need to download anything, just join the meeting via the provided link via email and your membership portal.
While not essential, a desktop makes it easier to share your screen and troubleshoot budget tech stuff.
9. Do I have to use YNAB to benefit from the course?
No, with a caveat.
While YNAB is Ruth's preferred tool, she recommends a few different budgeting systems, and it is absolutely your prerogative to use any budgeting system with which you are comfortable. You may just be flying solo more in the technical parts of setting up your budget if it happens to be a tool with which Ruth is not as familiar. This may not be a problem since there is so much value in the accountability and all the other content that is independent of YNAB.
While YNAB is Ruth's preferred tool, she recommends a few different budgeting systems, and it is absolutely your prerogative to use any budgeting system with which you are comfortable. You may just be flying solo more in the technical parts of setting up your budget if it happens to be a tool with which Ruth is not as familiar. This may not be a problem since there is so much value in the accountability and all the other content that is independent of YNAB.
10. How much time will the course take?
The course collection was designed for an average commitment of 2-3 hours per week for 6 months plus the group coaching option for 12 months. However, you are totally welcome to go at whatever pace you choose--faster or slower.
11. What is the return policy?
The short answer is there is a no refund policy.
There are no promises about outcomes from the course because part of the results are based solely on the clients' efforts.
But there is the guarantee that Ruth will show up every session prepared and ready to provide as much value as possible. She is deeply invested in her clients' success, but never does the work for them and refuses to care more than they do. You will never be told what to do. Ruth's job is to help you understand yourself and your options very clearly so you can make the best decision for you.
Too often, refund policies enable indecision or lax commitment, which are two things Ruth helps her clients to reduce in their life. If the course sounds like the help you want but you still have questions or concerns not addressed in the information above, contact Ruth or schedule a consultation.
If unforeseen life happens during the course that makes it unreasonably difficult to continue with the course, Ruth will work to create a solution with clients who communicate with her. She is totally invested in all her clients' success, and 99% of the time clients would rather have help than a refund.
There are no promises about outcomes from the course because part of the results are based solely on the clients' efforts.
But there is the guarantee that Ruth will show up every session prepared and ready to provide as much value as possible. She is deeply invested in her clients' success, but never does the work for them and refuses to care more than they do. You will never be told what to do. Ruth's job is to help you understand yourself and your options very clearly so you can make the best decision for you.
Too often, refund policies enable indecision or lax commitment, which are two things Ruth helps her clients to reduce in their life. If the course sounds like the help you want but you still have questions or concerns not addressed in the information above, contact Ruth or schedule a consultation.
If unforeseen life happens during the course that makes it unreasonably difficult to continue with the course, Ruth will work to create a solution with clients who communicate with her. She is totally invested in all her clients' success, and 99% of the time clients would rather have help than a refund.
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