So…….What exactly is a financial coach?
As a financial coach, I am a financial professional who specializes in helping others with their behaviors, emotions, psychology, and systems around their money. Imagine if a life coach, a personal finance expert, and a habit expert had a baby. That baby would be me! Financial coaching helps you change the way you approach your money and yourself so your desired behaviors become more natural.
While I work with all general money goals and concerns, my personal super powers are budgets that actually work and couples getting on the same page.
A good coach is passionately interested in understanding all the tools and strategies available--when they are useful, and when they are NOT useful--so they can help you short-cut through the learning curve and achieve more success.
That's why financial coaching is not a service of hours worked but of TRANSFORMATION.
- Changed insight
- Better tools--physical and metaphysical
- BIG support and awesome accountability
- Time saved
- Money saved
- Frustration spared
- and RESULTS, result, results!
- Improve overall financial literacy, foundation, and success
- Find unity with spouse and improve financial boundaries with loved ones
- Create a budget and spending system that works for YOU
- Break the cycle of living paycheck to paycheck
- Eliminate debt
- Build up emergency and other savings
- Improve credit score and prepare to buy a house
- Pay cash for college
- Prepare for a big life change eg: marriage, divorce, babies, cross-country move, career change, etc.
- Plan and prepare for retirement
- Tithe and give generously
- Manage windfall or inheritance wisely
- Teach kids to manage money
- Create money to invest
- Increase willpower, hope, security, freedom, confidence, and more!
In short, I can help you achieve any financial goal!
I wanted to feel confident budgeting for my family, to know how to plan and see the future of money, to feel worthy spending money, and to feel less intimidated by budgeting and numbers. I did achieve this! I think there is still some work to be done, but I feel like Wonder Woman compared to when I started with Ruth! I was at rock bottom emotionally when I signed up. Ruth helped me find accountability, language for what I was struggling with, and it gave me clarity on what my issues were. Also, some of her recommendations for boundaries were LIFE/GAME CHANGERS FOR ME.
I learned that life sucks without boundaries, and that goes for boundaries with money, too. When I plan how to spend my money, there is less guilt about how it is spent and it helps me design my dream life. Money shows me what I prioritize. I get to pivot and not feel guilt, in fact I feel empowered because I am being responsible for what I do with my resources. I am forever grateful and will be back. ; )"
“The biggest hurdle for me was opening up to someone about my mistakes, being honest, and the cost. You have been so nice and understanding. You have given me practical solutions and have not judged me. I feel like I can trust you to have my biggest interest at heart.
My biggest lightbulb moment was the steps that I could take to make my financial journey and goals a little easier to achieve, and how investing in my future will set me up so I can help others.
We both thought coaching couldn't do much. We thought we were surviving just fine. But after that first session it became clear how much Ruth could help us and it was really huge for us. I honestly needed a coach. I hadn't learned much about money growing up, so I learned a ton here and after just 3 sessions, I felt way more prepared for facing financial hurdles and budgeting!
Our biggest lightbulb moment was getting on the same page about spending fun money. That was huge in our relationship and has really healed something that was a real struggle for both of us! Ruth also changed my perspective. I thought because I didn't have a degree I couldn't get a good paying job. Turns out I can and I have! I start next week! Without her I never would have applied for anything like the job I found!
Do it!!! It will be worth it all the way. Ruth can help you get the help you need and the help you don't know you need! If we hadn't had her help, we would still be in the same struggle bus for probably years to come! She got us out of our sticky situation and into the future! It's worth every penny!
If you’re afraid of speaking aloud your doubts and fears, you can trust Ruth to hold a safe space for you to face and work through the burdens you’re carrying. Her session recaps and homework assignments are custom-fit to your particular goals and needs. Having a financial coach is like having a cheering section, a wise friend and financial guru all wrapped up in one.”
Financial coaching felt far too expensive when I started, but the financial gains exponentially overcame the expense of coaching. Coaching with Ruth far exceeded my expectations.
I wanted to feel financially competent and start to overcome what felt like insurmountable financial hurdles. Within a few months of working with Ruth, debt was dissolving significantly and our financial future looked secure. I spent a lifetime feeling like I was "bad with money". When I realized that wasn't true, everything changed. I went from fearing an impoverished old age, to earning, saving, spending, and investing with determination toward my dreams. And I dream big!
I can not praise this process enough. Ruth listened without judgement and worked hard to add value to every session. It was worth every penny. I wish I had done this twenty years ago.
Ruth has changed my life! Yes, I know you could save the money to pay something off but does that change your habits? Has that helped you make any progress thus far? Ruth teaches sustainable practices that lead to change. Do yourself and you’re relationships a solid and get in touch with Ruth. She will not let you down. Don’t spend another moment stressed about finances. You can make a change. ‘Work is the vehicle of change. Let’s make some change!’;)”
Ruth has done a marvelous job pinpointing what my husband and I do to create some of our own problems. She has also connected us with tools and resources that help us be better stewards of our money. I like the way she tackles everything from semantics (i.e., no more “we can’t afford it” but instead “that’s not where we choose to spend right now”) to the underlying beliefs that are keeping us stuck in not only our financial progress but in all aspects of our lives. She’s a believable advocate who challenges us to live more authentically. Our marriage is better because of Ruth coaching us.
“I love working with Ruth. After trying to manage all of the information that I have read and listened to, I was still not where I wanted to be financially. Sure, I knew a lot about the whys and hows but I was struggling with where to start and how to prioritize my actions. Ruth has helped me understand Me, and how to customize the tools and information in a way that best serves me and my circumstances. She helps me keep my eye on the prize.
After our first session, I felt happy, excited, comforted and most of all, hopeful. It’s not like I’ve never felt hope before, but I have continued to feel hopeful with the same intensity since our first session because I believe that I can truly become a master of my money. The coaching I am receiving is impacting more than just how I manage money, it is improving every facet of my life.”
Ruth has been a blessing for me and my family. She is very knowledgeable and caring. It was so hard to get my wife to help me with budgeting, and one session with Ruth and she was on board. She has helped my wife and I grow and get in line on our financial goals. If you are wanting to achieve your financial goals, I would encourage you to work with a financial coach, and Ruth does an amazing job.
Ruth has been such a huge motivator in my financial life as well as other life goals. She is great at supporting others and giving some very much needed feedback. She has helped me feel more confident going forward with my financial goals. She’s helped me surpass my goals and is wonderful at following up on those goals. She truly cares about her clients and I would gladly recommend her to my family and friends.
Ruth was amazing at helping me through a hard time and gave me fantastic advice. She helped give me peace of mind when I really needed it, and was so helpful in my situation.
