Meet Ruth Liebel (LEE-Bull)
Meet Ruth Liebel (LEE-Bull)
Mission
Mission
Help families take control of their money and intentionally use it to improve relationships and live an abundant life.
Since her early college days, Ruth felt called to help people understand and master their money. She saw too many lives, marriages, and families short-changed and even destroyed by financial chaos. This was intolerable to her. She knows the solutions to so many financial problems are simple and believes financial literacy needs to become common place in America's homes.
"It's cheesy, but I aim to bring world peace one personal budget at a time."
Ruth knows all the traditional personal finance principles, textbook answers, etc. Her success has come from her understanding that, while there ARE patterns for financial success, there are no one-size-fits-all answers to personal finances. Everyone's life and values are so unique! She knows that it is by learning to understand yourself AND understand money that you become successful with money. Leaving out this reality and focusing only on the numbers will breed superficiality or scarcity. She believes life and money are designed to be much richer than that!
Since her early college days, Ruth felt called to help people understand and master their money. She saw too many lives, marriages, and families short-changed and even destroyed by financial chaos. This was intolerable to her. She knows the solutions to so many financial problems are simple and believes financial literacy needs to become common place in America's homes.
"It's cheesy, but I aim to bring world peace one personal budget at a time."
Ruth knows all the traditional personal finance principles, textbook answers, etc. Her success has come from her understanding that, while there ARE patterns for financial success, there are no one-size-fits-all answers to personal finances. Everyone's life and values are so unique! She knows that it is by learning to understand yourself AND understand money that you become successful with money. Leaving out this reality and focusing only on the numbers will breed superficiality or scarcity. She believes life and money are designed to be much richer than that!
Formal Education and Training
Formal Education and Training
Ruth earned my bachelor's degree, debt free, from Utah State University in Family, Consumer, and Human Development--Family Finance Emphasis. She did an internship with LDS Employment Services and a financial counseling practicum at the USU Marriage and Financial Counseling House in Logan, Utah. She also worked and trained with Head Start programs, HUD programs, domestic violence shelters, and churches to educate and empower those they serve.
Ruth completed the Ramsey Financial Coaching Master Training and was a Ramsey Preferred Coach the first couple years of her coaching business. She am a *YNAB Certified Budget Coach.
Ruth is still thirsty for learning, and seeks out wise, talented professionals to teach her their expertise. She is also a junkie for TedTalks, podcasts, seminars, workshops, courses, and audiobooks.
She received her most impactful training in the first 17 years of her life.
She received her most impactful training in the first 17 years of her life.
Her father, a UPS driver and entrepreneur, taught Ruth and her five siblings to creatively generate income and to wisely manage money. He taught her the importance of tracking her money and the power of awareness; to understand the power of compound interest and the value of time as money; and to see work as a blessing and a joy. He even gave her her first job: hunting and counting nightcrawlers for fishermen.
Ruth's mother, a home-economist, showed Ruth how to bring huge financial value to the home, be resourceful, and live with contentment. She brought life to the adage, “Use it up, wear it out, make it do, or do without.” Old clothes made new quilts, and leftover rice made great pancakes . . .maybe just edible pancakes.
Both of Ruth's parents were examples of generosity in all stages.
Ruth's mother, a home-economist, showed Ruth how to bring huge financial value to the home, be resourceful, and live with contentment. She brought life to the adage, “Use it up, wear it out, make it do, or do without.” Old clothes made new quilts, and leftover rice made great pancakes . . .maybe just edible pancakes.
Both of Ruth's parents were examples of generosity in all stages.
Adulthood has been the true qualifier.
Adulthood has been the true qualifier.
Ruth's husband was raised in a very different financial and social climate than Ruth was. They also had very polarizing dreams. He dreamed of being a trauma surgeon, a soldier, and owning a gentleman's farm; she dreamed of being a millionaire before age 40 and owning a studio apartment next to an international airport so she could back-pack across the globe.
It was a huge challenge to create their own financial and social methodology, and chase their dreams in harmony with the other things that are important to them.
While her husband met the insane demands of becoming a trauma surgeon, Ruth became a stay-at-home/homeschool-mom of their growing family while running the household on a VERY tight budget – $2-3k BEFORE tithing and insurance. Their pursuits to make and save money could certainly fill a book–maybe she will write one someday–and she was GREAT at budgeting and frugality. In fact, she was so good that extended family could not believe Ruth operated on such small numbers because her home was pleasant and her young family participated in everything important. However, she personally suffered because of an intense scarcity mindset and a life-time of poor boundaries.
While her husband met the insane demands of becoming a trauma surgeon, Ruth became a stay-at-home/homeschool-mom of their growing family while running the household on a VERY tight budget – $2-3k BEFORE tithing and insurance. Their pursuits to make and save money could certainly fill a book–maybe she will write one someday–and she was GREAT at budgeting and frugality. In fact, she was so good that extended family could not believe Ruth operated on such small numbers because her home was pleasant and her young family participated in everything important. However, she personally suffered because of an intense scarcity mindset and a life-time of poor boundaries.
Wrestling through times that felt intent on breaking her has magnified her empathy for other people’s pains and shames. The first decade of marriage was dark and complicated for Ruth until she couldn’t/wouldn’t live with status quo anymore and began a huge “personal revolution.” She spent two years facing demons, learning how to maintain healthy boundaries, and changing her toxic patterns with money, marriage, family, and church. She blossomed as a person and felt able to step back into the world as a financial coach.
Those years were ROUGH, but they gave Ruth a ROBUST toolbox for the money stuff and a more powerful ability to help her clients trade in their own shame and toxic money patterns for a life of abundance.
Ruth knows that human resiliency, resourcefulness, and our ability to supersede anything is amazing. Taming her intense DIY spirit to practice vulnerability and collaboration with wise people has created a joy and liberation that she finds truly miraculous. Also, the total trust and unity she and her husband have achieved in their marriage and partnership are things she wouldn't trade for anything.
She knows "good debt" does NOT feel good; vulnerability is scary; healthy boundaries are the difference between joy and hell; and having somewhere safe to process your thoughts and options is a total game-changer.
Ruth loves her work--in the home and in her business-- and she is so honored to pay forward the wisdom and skills she has gleaned from life and from so many gifted and loving people. Watching others benefit from her life's lessons and way of teaching money never gets old. She intend to help as many people as possible have the same level of freedom and confidence in their lives and money.
Those years were ROUGH, but they gave Ruth a ROBUST toolbox for the money stuff and a more powerful ability to help her clients trade in their own shame and toxic money patterns for a life of abundance.
Ruth knows that human resiliency, resourcefulness, and our ability to supersede anything is amazing. Taming her intense DIY spirit to practice vulnerability and collaboration with wise people has created a joy and liberation that she finds truly miraculous. Also, the total trust and unity she and her husband have achieved in their marriage and partnership are things she wouldn't trade for anything.
She knows "good debt" does NOT feel good; vulnerability is scary; healthy boundaries are the difference between joy and hell; and having somewhere safe to process your thoughts and options is a total game-changer.
Ruth loves her work--in the home and in her business-- and she is so honored to pay forward the wisdom and skills she has gleaned from life and from so many gifted and loving people. Watching others benefit from her life's lessons and way of teaching money never gets old. She intend to help as many people as possible have the same level of freedom and confidence in their lives and money.
What can Ruth help you accomplish today?
What can Ruth help you accomplish today?
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LIFE AND MONEY ARE DESIGNED TO BE MUCH RICHER THAN A ONE-SIZE-FITS-ALL ANSWER!
LIFE AND MONEY ARE DESIGNED TO BE MUCH RICHER THAN A ONE-SIZE-FITS-ALL ANSWER!
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* Disclaimer--I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or its affiliates
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