rvm is generally a great application and keeps all of your ruby and gem versions in separate bundles. Getting RVM installed with OpenSSL can be a real problem if you use the default setup listed at https://rvm.io/rvm/install/ which gives you many choices. DON"T TAKE THE FIRST CHOICE, THERE BE DRAGONS! For whatever reason the default curl command to install rvm caused a problem on a few machines I've setup that prevents installation of the OpenSSL library. Since OpenSSL is used to dowload gems this causes issues with bundler. Instead, use the last choice, show below:
\curl -L https://get.rvm.io | bash -s stable --without-gems="rvm rubygems-bundler"
After installation you'll need to either close all of your terminal tabs or just execute the following in each:
source /Users/jpcutler/.rvm/scripts/rvm
Then install your ruby version, in my case I wanted to install jRuby
rvm install jruby
Follow these simple steps and it could save you a lot of time and frustration. Again, I highly recommend using rvm for managing multiple ruby versions and gemsets, Wayne and Michael have provided a great tool to the community.