Meet Bernie Ruffin, MBA – Your Financial Empowerment Coach

“Inspiring Financial Freedom, One Step at a Time”

A Legacy of Financial Expertise and Passion for Teaching

Bernie Ruffin, MBA, is not just an author—she’s a financial empowerment advocate with over 40 years of experience in accounting, financial management, and budget analysis. Her passion for financial literacy stems from a lifelong belief that everyone, no matter their background, deserves the tools to create lasting wealth and security.

Bernie’s Financial Journey

A Lifelong Commitment to Financial Literacy

Bernie’s journey began in middle school when she opened her first bank account—a moment that sparked a lifelong interest in smart money management. After earning a diploma in Business Administration and later achieving both a B.S. in Accounting and an MBA, Bernie built a successful career in the financial world, working as an accountant, financial manager, and budget analyst.

Throughout her career, Bernie noticed a recurring theme: many people didn’t have access to practical financial education. This realization inspired her to write Making Money Make Cents, breaking down complex financial concepts into simple, actionable steps anyone can follow.

Why Bernie Wrote Making Money Make Cents

A Personal Mission to Simplify Money Management

Bernie saw too many people struggling with budgeting, saving, and investing—not because they lacked discipline, but because they lacked guidance. She wrote Making Money Make Cents to provide a clear, empowering roadmap for anyone ready to take control of their financial future.”

Key Focus Areas of the Book:

Demystifying budgeting and making it practical.
How to save effectively without feeling restricted.
Understanding credit scores and improving them.
Smart investment strategies for beginners and pros alike.

Personal Life & Values

Faith, Family, and Financial Freedom

Outside her professional life, Bernie is a person of deep Christiana faith who believes financial success is part of living a fulfilling life. Her values of integrity, service, and education shine through in everything she teaches. She’s passionate about helping families, young professionals, and business owners build stronger financial futures.

Credentials & Achievements

“Professional Credentials You Can Trust”

MBA in Business Administration
B.S. in Accounting
40+ years as a Financial Manager, Accountant, and Budget Analyst
Public Speaker and Financial Educator

Ready to Take the First Step Toward Financial Freedom?

“You can join Bernie’s mission for financial empowerment by getting your copy of Making Money Make Cents today. Whether you’re looking for personal growth, a thoughtful gift, or a course companion for financial planning, this book is the perfect guide.”
📚 Order Your Copy Today:

Hardcover: $19.95
Audiobook: $9.95
E-Book: $9.95

👉 Get Your Copy Now

📧 Have questions or want Bernie to speak at your next event?
Contact Bernie