LIVE YOUR ABUNDANT LIFE.
I know personal finances are SOOOO much more than paychecks in and bills out. I know "good debt" does NOT feel good; vulnerability is scary; healthy boundaries are the difference between joy and hell; you cannot scrimp your way to wealth; and having good information plus somewhere safe to process your thoughts and options is a total game-changer.
I absolutely LOVE my work. I love helping people see themselves and their money in a new light with new hope ownership. I love watching my clients be amazed and energized by the differences they make in their lives and money in such a short amount of time.
- 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!
- 78% of all American's live paycheck to paycheck; top 10%-ers included.
- 50% of Americans rank money stress at 7-10!
- Household consumer debt is rising at 9-12% each year!
- 90% of divorces in the first 7 years are from money conflict.
- 52% of Americans are NOT on track for a comfortable retirement.
"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.
