RUTH L. HAYDEN is a nationally recognized educator and author based out of St. Paul, Minnesota. For the past sixteen years, she has been president of Ruth L. Hayden and Associates, her own successful consulting business, and is a member of the Association for Financial Counseling and Planning Education. Her 1993 Minnesota Book-award-nominated book How to Turn Your Money Life Around is based on "Women and Money," a series of well-known classes which she has taught for twelve years. She has been quoted in numerous national periodicals including Money, Reader's Digest, Mademoiselle, Working Woman, Marriage Magazine, New York Newsday, Woman's Day, Ladies' Home Journal and Time. In addition to numerous radio guest appearances nationwide, she is a frequent commentator on Public Radio International's "Sound Money." She is also one of the experts for the new PBS series Right on the Money.