About Ray Cole

Hey there! I’m Ray Cole, the person behind Ray Cole Financial. At 40 years old, I’ve spent a good chunk of my life learning the ins and outs of personal finance—through plenty of trial, error, and hard-earned lessons. I’m here to share what I’ve learned to help you take control of your money, whether you’re just starting out with $100 or managing a $1 million portfolio. My mission is simple: make finance approachable, actionable, and empowering for everyone.

My Story

I grew up in a small town where money wasn’t something we talked about much—mostly because there wasn’t much to talk about! But that sparked my curiosity. Over the years, I’ve gone from barely understanding how to balance a checkbook to building a solid financial foundation for myself and my family. I’ve navigated budgeting on a tight income, paid off stubborn debt, invested through market ups and downs, and planned for a future that feels secure. Along the way, I’ve picked up strategies that work for real people—not just the ones with fancy degrees or big bank accounts.

Now, I’m passionate about breaking down the barriers around money talk. I know how overwhelming it can feel to start, and I’ve been there—wondering if I’d ever get ahead. That’s why I created Ray Cole Financial: to give you the tools, knowledge, and confidence to build the financial life you want, no matter where you’re starting from.

Why Trust Me?

I’m not a Wall Street guru or a billionaire investor—and honestly, I think that’s a good thing. My experience comes from years of real-world learning, from managing my own finances to helping friends and family with theirs. I’ve spent countless hours studying personal finance, testing strategies, and figuring out what actually works for everyday people. Whether it’s creating a budget that sticks, investing for the first time, or planning for retirement, I’ve been in your shoes and know what it takes to succeed.

Here at Ray Cole Financial, I focus on practical, no-nonsense advice that you can actually use. I’m all about meeting you where you are—whether you’re a beginner trying to save your first $100 or a seasoned earner looking to grow your wealth. My goal is to make finance feel less intimidating and more like a tool you can use to live the life you want.

A Little More About Me

When I’m not geeking out over personal finance, you can find me enjoying the simple things—hiking with my dog, trying out new recipes in the kitchen, or binge-watching a good series with my partner. I’m a big believer in balance, and I think managing money well is really about making room for the things that matter most to you. Oh, and I’m always up for a good cup of coffee—if you’ve got a favorite roast, I’d love to hear about it!

Let’s Connect

I’d love to hear from you! Whether you’ve got a question about budgeting, investing, or just want to share your own financial journey, drop me a line. You can reach me through the contact page, or join the conversation in the comments on my blog posts. Want to dive deeper? Check out my premium guides—like the Wealth Builder’s Playbook or Mindset Makeover—to take your financial journey to the next level.

Thanks for being here—I can’t wait to help you build a brighter financial future!