Gail Cavanaugh was born in Newport, Rhode Island. The oldest of five children, she enjoyed reading Nancy Drew Mysteries and drawing and painting as a child. She attended Stonehill College and graduated with a BA in Spanish. She became employed as a claims representative and then as a life insurance agent and registered representative. She taught Spanish at a private parochial school and then English as a Second Language for a local community college.
After attending Liberty University to study for her MBA, she began writing business and finance articles and blogs. She wrote her first blog, the Cavanaugh Business Solutions Blog during the economic crisis of 2008 and the banking reforms in 2009. The merchant services industry was the topic of her many of blog posts, which led her to write her first e-book, the Retailer's Guide to Merchant Services, published in 2010. She then went on to write the Prospering Christians Blog, the Cavanaugh Marketing Blog, and the Jubliant Pianist Blog. Gail Cavanaugh is the owner of the RI Kids Create Music School where she teaches piano and Gail Cavanaugh's Financial Services where she works as an independent life insurance agent representing Colonial Life and Boston Mutual.