Ask Ruchi™

Let’s Talk About Women & Money

Dear Ruchi, I am a woman business owner and I find that me and my colleagues all have a lot of the same “issues” when it comes to money. We work so hard but still have moments where we are unsure of ourselves and end up making less than our male friends (even when we feel like we’re doing well). Is it just me or is there just a genuine difference in how we handle money compared to men? It feels like we don’t have the same stressors.

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How To Tap Into Your Financial Love Language

Dear Ruchi, my partner and I have very different ways of communicating and have been talking a lot about “love languages” lately. I’m curious about how different love languages might intersect with financial matters in relationships. How do I navigate discussions about money with a partner while taking this into account? I want to ensure that our financial conversations are productive and actually strengthen our relationship!

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How To Cope With Financial Stress After A Season Of Spending

Dear Ruchi, every year when January hits, I find myself swamped with credit card bills and the repercussions of my holiday shopping and end-of-year expenses from December. I know spending more during the holidays is normal, but I need to create a balance so I don’t feel like this next year. It never fails to stress me out. What should I do to help cope with this stress and also plan better for next year? Help!

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Your End Of Year Financial Checklist

Dear Ruchi, I can’t believe 2024 is just days away. In 2023, I was much better at organizing my finances and have made great progress. (I even achieved a few goals along the way- yay!)  As things come to a close, I want to make sure I have all of my bases covered to step into another successful year. What are some things I should add to my financial checklist before handing things over to my accountant?

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How Giving Back Plays a Role in Your Prosperity

Dear Ruchi, I am finally at a place in my small business journey where I am breaking out of my scarcity mindset. There is so much going on in the world and at times I feel helpless. What makes me feel most impactful is making donations to funds, charities, etc. that help causes I am passionate about. I feel better when I do this but want to make sure I am being smart about how I donate, especially when doing so under the identity of my business. Can you help?

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Why Your Mental Health is Important for Your Financial Success

Dear Ruchi, I’ve been having a hard time handling my finances lately and it’s adding so much stress to my life. I feel like I am struggling to get a hold of my income streams all while balancing my family, job, and personal life. I can feel the stress making it worse as I lose focus and clarity. What can I do to get centered and start handling this with more ease?

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What can I do to get ahead of my taxes?

Dear Ruchi, as Q3 comes to a close, reality is setting in! I can’t believe tax season is approaching again. This year, I want to do things differently and be more prepared. I always wait until the last minute but this year I really want to set myself up for success. What should I start doing now to get ahead of the game?

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How do I make money a safe topic in my home?

Dear Ruchi, I am a new parent and my head is spinning thinking about all that lies ahead for myself and my family; mostly exciting, but partially nerve-wracking. Though my daughter is young, I have already started thinking about how I am going to teach her about money as she grows. Money was always a stressful topic in my household growing up and I don’t want to repeat that same cycle. How do I start planning for these financial conversations as she grows?

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How are gratitude and money connected?

Dear Ruchi, I have been working hard on implementing gratitude practices into my daily life. Though I can easily think about the people and things I am grateful for, I want to take it a step further, particularly in the realm of finances! I am ready to embark on a financial “level-up” in my life and I wonder how I could implement this into my gratitude practice. Are money and gratitude actually connected? How do I get started?

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Meet Ruchi
HI, I'M RUCHI

Before she worked with amazing, heart-centered, fun-to-work-with service-based business owners like you… Ruchi spent almost two decades as a senior executive in the financial services industry. Now as a seasoned financial guide and mentor, Ruchi is often also referred to as a “financial therapist”. She is the Founder and CEO of Watch Her Prosper and is committed to empowering business owners to achieve a life of total prosperity. 

 

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