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Former Wall Street insider Ruchi Pinniger shows coaches how to ditch money shame and step into financial leadership. She unpacks cash-flow confusion, value-based pricing, and her three-pillar roadmap. Ruchi also explores mindset, spirituality, and wellbeing for profit, abundance, and lasting impact.

Ruchi Pinniger is the founder and CEO of Watch Her Prosper® and dedicated to providing financial mentorship, support, and services that women-led service-based businesses need to succeed.

In this episode, Melinda and Ruchi talk about:

• Demystifies cash flow versus profit for service-based coaches
• Reveals “bottoms-up” revenue planning to hit personal pay goals
• Shares mindset hack: recognize, interrupt, reframe money stories
• Connects pricing to client value, not self-worth
• Explains three pillars: mindset, spirituality, wellbeing
• Guides setup of tax and growth savings accounts
• Encourages love-based, detached enrollment conversations
• Illustrates financial breakthroughs with real client stories

“Many coaches price their packages based on their own self-worth instead of the value they deliver.” — Ruchi Pinniger

Guest Bio:

Ruchi Pinniger, International Speaker, Venture Capital Investor, Founder and CEO of Watch Her Prosper®, is dedicated to providing financial mentorship, support, and services that women-led service-based businesses need to succeed. Ruchi takes a holistic approach to clients’ needs by providing financial guidance, bookkeeping, tax-time readiness, and heightening her clients’ prosperity mindset. Ruchi brings nearly 20 years of experience in the Wall Street and corporate world to the Watch Her Prosper® team and was recently named one of the “Women Leading the Finance Industry.” Watch Her Prosper® has helped thousands of business owners to identify their spiritual connection to wealth and learned beliefs about money, while viewing their prosperity in a new way. Clients can then break free from shame and guilt surrounding wealth and see huge results in their profitability and economic growth. Ruchi connects the business to the person, understanding that individuals running small businesses have personal financial goals.

As a global speaker, Ruchi has spoken at Princeton University, NYU, Luminary, and some of the world's most coveted stages about money and business related topics such as financial leadership, tax-readiness, budgeting, spirituality, and well-being surrounding personal and business finances. Ruchi is an Executive Board member for Savvy Ladies, an organization that helps women improve their financial literacy and take control of their money. She also serves on the board for the Pajama Program, a nonprofit organization helping children improve their quality of sleep so they can thrive. Ruchi is the proud recipient of the Entrepreneur Champions Award 2024, as she is passionate about helping all entrepreneurs to live their most prosperous lives. As a thought-leader and industry expert, Ruchi is regularly featured in GOBankingRates, Millie Magazine, Best Self Magazine, BBC, SiriusXM, and The Daily Refresh among others. While living in NYC, Ruchi enjoys taking time away from the city at her family's lakehouse. She values traveling with her loving husband and incredible teenage son. They are foodies and love to experience different world cultures together.

Resources or websites mentioned in this episode:

Mirasee
Coaches Console
Melinda’s books: The Confident Coach and The Professional Coach
Ruchi’s website: https://watchherprosper.com
Redefining Prosperity Workbook — https://watchherprosper.com

Credits:

Host: Melinda Cohan
Producer and Editor: Michi Lantz
Executive Producer: Danny Iny
Music Soundscape: Chad Michael Snavely
Making our hosts sound great: Home Brew Audio

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Music credits:

Track Title: Clouds
Artist Name: Acreage
Writer Name: Marshall Usinger
Publisher Name: BOSS SOUNDSTRIPE PRODUCTIONS

Track Title: Coastline Dream
Artist Name: Wild Sky
Writer Name: Adam Simons
Publisher Name: BOSS SOUNDSTRIPE PRODUCTIONS

Track Title: Coo Coos
Artist Name: Dresden, The Flamingo
Writer Name: Matthew Wigton
Publisher Name: A SOUNDSTRIPE PRODUCTION

Track Title: Stars & Trees
Artist Name: Outside The Sky
Writer Name: Dustin Ransom
Publisher Name: A SOUNDSTRIPE PRODUCTION

Special effects credits:
24990513_birds-chirping_by_promission used with permission of the author and under license by AudioJungle/Envato Market.

Episode transcript: Financial Fluency: Cashflow Mastery for Coaches (Ruchi Pinniger) coming soon.