Holly Ruiz | Financial Clarity Coach + Educator

Helping you make confident, strategic money decisions that support the life you’re growing—personally, professionally, and financially.

Numbers Whisperer

If there’s one thing I know for sure—it’s that being “good with money” isn’t just about knowing the numbers.

It’s about making them make sense in real life.

I’m Holly—Founder of Financial Fitness, and I’ve spent the last 15+ years helping people simplify their finances, build better systems, and finally feel confident making money decisions that align with their values.

But I didn’t just wake up and decide to become a money coach.

My Background

Before coaching, I worked in Accounting and Finance, then followed my passion into education. For the past 15 years, I’ve taught high school Business & Finance, including courses in Personal Finance, Accounting, Advanced Finance, and Entrepreneurship —the real-life stuff most of us wish we were taught in school.

I also teach college-level Personal Finance and Accounting courses, and one of the most rewarding parts of my journey?

Helping incarcerated men develop financial literacy strategies to rebuild their lives after release.

Whether I’m in a classroom, coaching session, or workshop—I bring the same mission: to make finances approachable, non-judgmental, and actionable.

Credentials That

Back It Up:

  • MBA in Business

  • 15+ years teaching high school + college-level Finance & Accounting

  • 092 Admin-Certified (educator trainer level)

  • Former Accounting/Finance professional

  • Taught Personal Finance to incarcerated men

  • Trusted by hundreds of students and clients

“Think of interest as whipped cream and a piece of cake as the principal. A smaller piece of cake limits the amount of surface area there is to put whipped cream on”


― Paco de Leon, Finance for the People: Getting a Grip on Your Finances

What Sets Me Apart

I'm not a financial advisor pushing investments.

I'm not a spreadsheet junkie who forgets you’re a human being (I do love a spreadsheet …)

I’m a coach and educator who knows how to:

  • Break down complex financial concepts in ways that click

  • Help you set goals that actually fit your life

  • Make you feel comfortable—even if you’ve made money mistakes in the past

People work with me because they feel safe, understood, and empowered. There’s no shame, no jargon, and no judgment—just real, practical support.

Fun facts about me …

IF I WASN’T AN EDUCATOR

When I was younger, I wanted to be a neonatal nurse, although without a doubt I’d be an interior designer and realtor. I love design, and looking at houses.

MY FAVORITE BAND

I’m a huge concert junkie! I love country music, but I have a pretty eclectic taste. My favorite bands are Candlebox, Matchbox 20, Violent Femmes, and Luke Combs.

SPREADSHEET OBSESSED

I truly LOVE a spreadsheet! I’m the one amongst my girlfriends who keeps us organized, on track for adventures, and it’s all because I have a spreadsheet for that! 38 years of friendship! We are lucky!

❤️ Why I Do This

As the oldest of four kids in a home where money was always tight, I learned early on how powerful (and painful) financial stress can be. That’s why I’ve made it my mission to help others feel in control of their finances—so they can stop surviving and start living.

Whether you're here to clean up your finances, make a big move, or finally feel like your money reflects your goals—I'm here to help.

Ready to stop second-guessing your money?