Creating a vision for the future is the beginning

of successful life planning.” 

                                                          –Ruth Hayden


Planning your financial present and future can be one of the most frustrating yet rewarding experiences in your life. For more than thirty years, Ruth Hayden, a nationally recognized educator and author, has been helping people just like you break down old habits and achieve financial success and satisfaction with their money goals. Through her years of experience as a speaker, author, educator and consultant, Hayden knows how to help people start on this financial path.

Since no two people are alike, and no two situations are identical, Hayden has provided many forums for you to begin. Whether you prefer a class, speech, personal consulting, or one of Hayden's well-known books, you will be able to get the help you need. Browse through this site and see what could help you change your money life.

You can make your financial life work! 

Your Money Life: The “Make-It-Work” Workbook is available exclusively here.

Start Where You Are

Start Where You Are: Retirement Planning in a Changing World is available here

For Richer, Not Poorer

For Richer, Not Poorer: The Money Book for Couples is available here.

How To Turn Your Money Life Around

How To Turn Your Money Life Around (also available in Portuguese) is available here.

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Summer Class Schedule 2016

 Winter Classes 2016 are filled.

Ruth will be a guest on MPR's (91.1 FM) MPR News with Kerri Miller on Thursday, June 2, at 10:00 a.m.

Listen to other recent Daily Circuit shows with Ruth

Recent interview with Amy Gage in MinnPost weekly updates The Middle Stages -- Women Reimagine Midlife

Ruth's financial classes are named the Best of the Cities in Minnesota Monthly Magazine - November, 2011

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