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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Winter/Summer Classes 2017

 Fall Classes 2016 are filled.

Ruth will be a guest on MPR's (91.1 FM) MPR News with Kerri Miller on Thursday, April 20, 2017, at 9:00 a.m.

Listen to other recent Daily Circuit shows with Ruth

Minnesota Women's Press May 2016 voted Ruth the Favorite Female Financial Planner

Financial Advice for Couples-Expert tips on techniques to solve, and avoid, money-related conflict
The biggest area of conflict couples face–ahead of religion, politics, and whose turn it is to do the dishes – is money. Two local experts share their tips for successfully navigating financial decision-making between you are yours. – Minnesota Monthly, April 2016

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