My work began in 2015 with a simple act of helping a friend.

His credit score was in the 500s, his wages were being garnished, and he felt completely stuck. I wrote out a plan on a blank sheet of paper — and within months, his score was in the 800s, the garnishments stopped, and he regained control of his life.

He shared his results online.

Within an hour, over 100 people reached out asking for help.

That moment revealed a truth: people weren’t just struggling with money — they were struggling alone, without clarity, without support, and without a safe place to learn.

Since then, I’ve coached thousands across the U.S. and the Caribbean, and consulted for state and local governments and private financial education companies. My approach is rooted in lived experience — growing up in foster care, navigating single parenthood, rebuilding from welfare, and learning how to create stability from the ground up.

I don’t teach theory.

I teach what works — in your finances, your habits, and your health.

My Approach

We start with the foundation — debt, credit, spending — and build toward investing, wealth creation, and healthier routines that support your goals.

From her friend’s testimony via social media, Ruth received hundreds of inquiries that week, with others asking for assistance with their credit and finances. Within four months, Ruth decided to step out on faith and work on Elisa Plan full time.

Ruth has a desire to make finances heavily relatable to the audiences she’s speaking to. She understands her clients’ stories matter. Language matters. Authenticity matters, even when creating a financial plan. Through her transparency around growing up in foster care, becoming a single parent and being a full time entrepreneur, Ruth provides a ‘no-judgment zone’ which helps make her clients comfortable. By helping people discover their truth, and becoming aware of their own habits and patterns, she’s been able to help over 2,000 clients become financially fit.

With Ruth’s signature Elisa Plan curriculum, she now teaches youth and adults how to gain financial freedom. She also created and implemented several programs around entrepreneurship, leveraging personal and business credit, and debt management.

Ruth is a certified credit counselor through the National Association of Certified Credit Counselors. She holds a master’s degree in Education and is currently ABD in the Education, Leadership and Policy doctoral program at the University at Buffalo. Ruth is a member of Alpha Kappa Alpha Sorority, Incorporated and attends Glory House International Church. She currently resides in Western New York with her two children.