Joey Ruffalo

Money Mindset Financial Coach

Things Change When Things Change


J.R. Financial Coaching is the perfect choice for those looking to get their finances back on track. Our unique approach combines personal finance advice with money mindset work, helping our clients to achieve long-term success. Unlike other financial coaching services, we never leave our clients alone in the process: we are here to guide them every step of the way.


Financial Coaching Subscription Packages

Our Financial Coaching Monthly Subscription Packages provide comprehensive support to help individuals reach their financial goals. Our Standard Package includes a one-hour call and a 30 min check-in call each month, as well as unlimited email and text support for the duration of the package.

Budget Creation Packages

The Budget Creation Monthly Subscription Package is the ideal solution for anyone looking to take control of their finances and create a budget that works for them. With this package, you’ll receive six one-hour budget creation sessions plus three budget checkups.

Financial Planning for your Reselling Business

Financial Planning for your Reselling Business Monthly Subscription Package allows you to make the most out of your online business and increase its chances of long-term success. With detailed guidance from an experienced reseller/financial professional, this package provides strategies on cash flow planning, risk management, retirement planning, and taxes.

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Joey was an awesome financial advisor. He helped me to resolve some annoying debt that I have been trying to clear. He was kind and helpful. Specifically walking me through the rigors of negotiation with creditors and the loan service company. He reviewed the debt collection techniques that companies use and the best ways to approach reconciliation. He respected my goals and the value I place on being a man of integrity.Joey kept excellent records and even did calls with me. He runs an honest business.


What can I say about our experience with Joey except he was wonderful, caring and compassionate. He listened to our needs and concerns and meet those with expert advice and the heart of a teacher. Our lives are forever changed and we couldn’t be more grateful. Bless you.


Coaches Corner

Is a Financial Coach Worth It?

A financial coach is a great resource to help you get your finances in order. Here are four tips to make the most of your time working with a financial coach.

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10 Things You Need to Checkoff Your Personal Finance Checklist Now!

Are you feeling overwhelmed when it comes to your personal finances? This checklist will help guide you through the most important steps to take in order to get your finances in order! From budgeting, paying off debt, protecting your assets and planning for your future these steps are a must to get your financial house in order.

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6 Essential Strategies for Improving Your Financial Health

Money is a part of our everyday lives, affecting nearly every aspect of our existence. Financial matters touch every corner of our lives, from buying groceries to paying rent or mortgage to saving for retirement or a child's college education. That's why maintaining...

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How To Pay off Credit Card Debt?

Many holding empty wallet Photo by Towfiqu barbhuiya on Unsplash Question: How do you pay off credit card debt? Answer: To start it is important to know your credit card balances as well as what your minimum payment on each is. It is also important to know your...

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How to overcome limiting beliefs about money

Limiting beliefs about money can be very detrimental to one’s success. These beliefs can hold you back from achieving your goals and reaching your full potential. To overcome these beliefs, it is first important to identify what they are. Once you know what your personal limiting beliefs about money are, you can begin to change them for the better.

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Completion of Ramsey Solutions Financial Coach Master Training does not create an employment or agency relationship with Ramsey Solutions or its affiliates; it does not constitute a license or credentials to engage in legal, tax, accounting, investment, or other professional services; nor does it constitute an endorsement or recommendation of the Coach by Dave Ramsey.