Author, Speaker, Financial Adviser, Educator, Mother

Ellie Kay is the founder and CEO of Heroes at Home, a 501(c)(3) that provides financial literacy to our military members. Author of a fifteen books, popular speaker, corporate educator and spokesperson, and mother of five millennial children. Ellie Kay has walked her own financial talk and knows what it’s like to be strapped for cash and struggling. Within two and a half years, she went from being a new wife with $40,000 in consumer debt to being completely debt-free—all on one military income. Within 15 years, Ellie and her husband were able to pay cash for their cars, buy and furnish two five-bedroom homes (one after selling the other), take wonderful vacations, dress fashionably, build a nest egg for retirement, send the kids to college loan-free, and give away more than $100,000 to nonprofit organizations around the world.

Ellie meets her audiences—mainstream Americans who earn between $40,000 and $100,000 annually—right where they are financially. She teaches them sound money habits that are do-able and will stretch their dollars for the lifestyle of their dreams. One of her latest titles, Living Rich for Less (Waterbook/Random House, January 2009), sets forth her 10/10/80T Rule—give away 10 percent of your income, save 10 percent, and spend the last 80 percent wisely—with hundreds of Cha-Ching Factor™ tips that show readers how to keep and put more than $30,000 in their pockets in just one year.

Author of the bestselling paperback & audio book "Heroes at Home"

Ellie is also an adventure seeker and enjoys riding in an F-15E Strike Eagle fighter jet, skydiving, bungee jumping, hydrofoil racing, ziplining and mechanical bull riding. Despite her professional success, Ellie says her greatest role is being a wife to her test pilot husband and mom to their six children. She currently serves on Congressional 25 District All Academies Admissions Panel and on Military Family Advisory Network as a Advisory Board member. She is President of the Shop Talk Toastmasters Club, the West Point Parents Club of Southern California and the Air Force Academy Parents Club.

Married for nearly 25 years to Bob Kay, a former Stealth fighter pilot who is now a test pilot for a military contractor, and proud mom of a graduate from the U.S. Naval Academy in Annapolis and a cadet at the U.S. Air Force Academy in Colorado Springs, Ellie especially understands the financial circumstances of military families. One of her bestselling paperback and audio books, Heroes at Home, is now in its third printing and has been distributed to military families around the world under a presidential initiative and was an Audiofile’s Book of the Year finalist.

A columnist for “Military Money and Military Spouse,” Ellie also regularly contributes financial know-how to Operation Homefront’s website. In 1998 she received the Army’s highest civilian medal, the Dr. Mary E. Walker Award, for outstanding dedication to improving the quality of life for soldiers and their families.

Has frequently appeared on The New York Times, USA Today, CNBC, CNN, Fox, NPR & more!

A popular and engaging speaker, Ellie has pinch-hit for two first ladies, one year replacing Barbara Bush at the Non-Commissioned Officers Association’s annual “Military Spouse of the Year” gathering and another time substituting for Laura Bush at the National Guard Association’s Annual Convention. From the American Embassy in China to MOPS (Mothers of Preschoolers) International Convention, she has keynoted or led hundreds of events and financial seminars.

Frequently sought out by journalists, Ellie has appeared on or in hundreds of media outlets, including The New York Times, USA Today, CNBC, CNN, Fox, NPR, Redbook, Women’s Day, Family Circle, Reader’s Digest, and Parenting Magazine.

Ellie is a consumer finance consultant and has worked with Fortune 100 companies such as Wal-Mart and Procter and Gamble, where she gives advice on how consumers can make the most of every dollar. Previous corporate clients include Washington Mutual, Visa Providian,, GMAC, OnStar, MasterCard, and

Recipient of the Army's highest civilian medal, the Dr. Mary E. Walker Award!

Education and Awards

  • Ellie’s book, Heroes at Home, was a finalist in the 2003 Gold Medallion Awards.
  • Ellie is a graduate of Colorado Christian University with a B.S. degree in the Management of Human Resources.
  • Heroes at Home audiobook selected as Audiofile’s Book of the Year. And cbd oil in
  • She was one of a handful of Air Force Spouses who graduated from the “Master Trainer” program with Army Family Team Building training.
  • She received the Army’s highest civilian medal, the Dr. Mary E. Walker Award for outstanding dedication to improving the quality of life for soldiers and their families.
  • She is also the recipient of the Commander’s Award for Public Service, USA, for “selfless service and dedication in keeping with the finest traditions of the 10th Mountain Division.”
  • With over 10,000 volunteer hours to her credit, she is the recipient of dozens of local volunteer awards.

©2016-2022 Ellie Kay


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