Kelly Flowers is a Ramsey Preferred Financial Coach and the founder of Eleven 14 Financials, based in Clarks Green, Pennsylvania. Before coaching, Kelly worked as a nurse and witnessed firsthand how financial stress affects every area of a person’s life.

She created the Money Multiplication Method and works with professionals in northeastern Pennsylvania and virtually across the United States. Her specialty is the gap between high income and low savings – the professionals who earn real money and have nothing to show for it yet.