Charlotte Ayo was born in Lake Charles and raised in New Orleans, Louisiana. She attended Catholic elementary and high schools run by the Mercy Sisters and the Notre Dame Sisters. Charlotte began her career with the Internal Revenue Service for 10 years before becoming a full-time mom. She and her husband Ricky have two sons, both graduates of Louisiana State University. They have a granddaughter and a grandson. Charlotte enjoys following LSU sports but not as much as her devoted husband of 42 years.