About Me


Joey Ruffalo, of J.R. Financial Coaching, knows what it takes to be debt free. After paying off over $300k in debt he turned his energy towards helping others achieve the same financial peace. He works closely with the eCommerce and gig worker communities to advocate for financial freedom and developing long term goals. As a top-rated seller on both eBay and Poshmark, Joey has worked with sellers at all levels, from newbies to veterans, in establishing a direction for their businesses.

Joey also works with active duty, transitioning members of the military as well as veterans in the areas of debt repayment/management, budgeting and planning for retirement. Joey is the son of a U.S. Army veteran.

Joey also has worked many of the gig apps (Uber, Amazon, Instacart, Shipt, DoorDash) and offers a unique perspective on incorporating them into your debt free journey.

Joey is a Ramsey Certified Coach, a Certified SYMBIS Facilitator, and a CPFC® (Certified Personal Financial Counselor). Joey and J.R. Financial Coaching was recently named the Best Financial Service in the East Bay by readers of Bay Area Parent Magazine.

In his free time, Joey enjoys podcasting and working on ideas for his next episode. His claim to fame is that his show ranked higher than Gary Vaynerchuk’s The GaryVee Audio Experience for a few days….in Saudi Arabia.

Joey holds a Certificate in Personal Financial Planning from UCLA and an MBA in Financial Planning from California Lutheran University. Never one to stop learning, Joey is currently pursuing the CFT (Certified Financial Therapist) designation as well as his Doctorate in Business Administration Finance from Liberty University.

You can reach Joey at Joey@jrfinancialcoaching.com 

To Listen to Podcast on your favorite Podcast App: http://wavve.link/mbrradio

To subscribe to the Kill the Noise Youtube Channel

To join the Debt Free Hustlers Facebook Group 

I look forward to being a part of your journey.


Joey Ruffalo, MBA-FP, CPFC®, CCDS®,
Ramsey Preferred Coach
Ramsey Solutions Master Financial Coach

Remember -“Things change when things change.”


“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.”