Frances Rahaim, Ph.D. — The Money Doctor

Dr. Frances Rahaim, widely known as The Money Doctor, is a nationally recognized financial expert, author, and media host with over 35 years of experience in behavioral finance and consumer debt management. She is the creator of the patented HUG Your Money™ system—a financial wellness platform that empowers individuals and organizations to eliminate debt, build smarter budgets, and plan confidently for the future—without harming credit or relying on consolidation loans.
Dr. Rahaim is the founder and president of HUG Your Money, Inc., a financial wellness SaaS firm serving individuals, schools, and employers nationwide. Her trusted approach blends education, emotional insight, and technology—helping users reduce stress, gain control, and build long-term financial confidence.
She hosts the long-running TV and radio show “Financial Fitness with The Money Doctor,” where she breaks down complex money topics with clarity and compassion. Dr. Rahaim is also the award-winning author of Debt or Alive and Retire Debt & Retire Well, and a sought-after speaker known for transforming financial confusion into empowerment.

🔹 Ph.D. in Finance
🔹 Creator of HUG Your Debt™, Budget™, and Lifestyle & Retirement™ platforms
🔹 Based in Massachusetts | Available Nationwide