@JayFromTexas I don't have much to add to what already has been said here, just want to encourage you a bit. As a middle-age Russian lady who was dating an American, did not have a job at that time, and whose daughter was enrolled into college in the US, I applied for B1/B2 visa and was completely honest at the interview about dating American and wanting to visit him. I told a CO that we were thinking about marriage but would do it in a proper way via fiancee visa. I had an extensive travel history, including almost all European and manySouth-East Asian countries. I also owned real estate in Russia but was never asked about it or how much savings I had.
I got the visa, visited my boyfriend 7 times in the span of two years, we applied for K1/K2 (for daughter) and got married. We've been happily married for 5 years and I have my citizenship interview next month.
Have your GF apply for a visa. Do not use visa agency, they do nothing but filling out the forms which shouldn't be an issue for your English speaking lady. It's a straight forward process with only obstacle of having to go to another country for an interview. No need to go to Warsaw which is quite busy, Russians as "homeless nation" can apply in other countries too. F.e. Kazakhstan, Armenia, Georgia, Moldova, Cyprus, Serbia, Greece, etc. Have your lady read Форум Винского, https://forum.awd.ru/viewtopic.php?f=326&t=400571&start=460, the best Russian traveling site (think Russian TripAdvisor) for the most recent information related to US visas for citizens of Russia.
Good luck with the visa and your relationship! I love my American husband to pieces and meeting him was the best thing that ever happened to me.