How A Normal Guy Mastered Money…
And How You Can Too!
The sad truth is that most American families are hopelessly unprepared to handle the monetary difficulties they face today.
What most Americans do…
They carry unnecessary debt. Unsecured debt (especially credit cards), car loans, student debt, medical debt and home mortgages are holding them hostage and keeping them from mastering money and experiencing true financial freedom.
They are not sure how they are going to send their kids to college. College costs are out of control and getting worse. They think their only options are to borrow the money themselves or to saddle their kids with crushing debt and put them in a position to start life with a financial anchor tied around their necks.
They finance their recreation and vacations. Vacations and Christmas are much less fun when you know that next month the other financial shoe is going to fall.
They are on the wrong side of the “Interest Power Curve”. They pay interest on top of interest rather than collect interest on top of interest. All that debt means they spin their wheels, make the banks rich, and never get ahead.
Financial State of Mind
If I asked 1000 people to tell me their lifetime financial goals the answers would be all over the place. But, not one single person would tell me their goal was to be broke or poor.
In fact, most would say their fundamental goal was to be wealthy.
They may not use that word, but that’s what they would mean!
Being poor is a state of mind…so is being wealthy. Both states are products of your planning and behavior.
Money is NOT the problem…behavior is. If I give $100,000 to a “poor” person, a year from now they will likely have nothing (just look at typical lottery winners if you don’t believe me). But if I give $100,000 to a “wealthy” person and check back in 12 months, they are likely to have $150,000.
It’s all about how you interact with money!
So this begs the question…”How do YOU interact with money?”
Do you interact with money like a “poor person” or like a “wealthy person”?
How Do “Poor” People Interact With Money?
- They spend all (or more than) they make.
- They ignore their finances.
- They deny the depth of their situation and the impact of their behavior.
- They “wing it” financially.
How Do “Wealthy” People Interact With Money?
- They save (then invest) part of every dollar they earn.
- They take ownership of their finances.
- They accept the reality of their situation, good or bad.
- They plan carefully for the future.
How About You?
Where do you fit into the interaction patterns above? Do you see yourself?
Maybe you do…maybe you don’t.
Maybe you do some things right and some things no to right. Perhaps you know you have some bad habits but can’t quite seem to avoid making the same mistakes repeatedly.
Or maybe you are totally lost when it comes to finances. It may be that thinking about money feels so uncomfortable to you that you push the thoughts away and basically ignore your financial situation altogether.
Wherever you are is totally fine!
We all have to start somewhere and simply starting is often the hardest part. Even if all you can do is take a look at your bank statement that’s fine. That’s a start.
Knowing where you are is the first step in moving to where you want to be.
“Them” And “You”…
We’ve seen how most Americans deal with money. It’s sad but true.
Most of us get it tragically wrong. But not you!
Instead of burying your head in the sand and hoping things will magically work themselves out, you are willing to swallow hard and take on the challenge of living the life you want and deserve.
How do I know this? Because you’re still reading. “They” skimmed part of this page and surrendered, saying “debt isn’t that big of a deal”, or “my family has always been broke and I guess I will too”, or “it’s not that bad”, or “this is too hard to fix”.
But “you” are asking yourself the right questions. You’re wondering, “what would it feel like to be totally debt free?” or “how much could I bless my kids and others if I learned to handle money better?”
These are great questions!
These types of questions are the beginning of change.
Asking these questions, then demanding an answer will fundamentally change your relationship with money…and your financial results!
Another Critical Question…
You likely have another important question bouncing around inside your head, or at least I hope you do. It’s probably something like…”who are you and why should I listen to you?”
That’s a fair question.
My name is Clay Cutts. I’m a Master Social Worker, licensed to practice Psychotherapy. That means I went to school and learned to help people in a very real way. It also means I took (and passed) some rigorous tests to prove I know what I’m doing. I also have to continue adding to my knowledge and skills every year in order to maintain my license.
While working with men and women (individually and as couples) over the past few years I noticed a strong trend. When people come to see me about whatever is going on in their lives, the topic of money came up over and over (and over).
I started directly asking each client about their financial situation and history.
See, I already knew money was an emotional topic, but when I started drilling down with people I realized just what a huge deal it was in their lives.
I realized even though money is not even a real thing, so to speak, we can get completely wrapped around the axle about it.
Couple after couple told me about their money fights. I even saw, first hand, marriages fall apart just because of finances.
And it wasn’t just people who are on the lower end of the earning scale that struggled. I saw high-earning folks bang their heads against the money wall too. In fact, sometimes those with more assets struggled more than those who didn’t earn very much!
So I started doing some research.
I wanted to know what I could do to better help folks with their financial challenges.
That’s when I decided to add to my credentials. I became a Certified Financial Social Worker, which means I gained new skills around walking with folks through their money issues and helping them get rid of “head trash” surrounding finances.
For me, this isn’t all theoretical. I had my own financial head trash to work through.
A few years ago, despite working really hard, I was broke!
My wife and I rolled up our sleeves and got control of our finances. Over a 5-year period we paid off all of our debt (almost $300,000), including our mortgage. We also funded our daughter’s college education, paid for my graduate school program, and made huge strides in saving for our retirement.
Now we are able to be hugely generous to others and enjoy freedom we never thought was possible.
We are crystal clear on our financial goals and on what we are going to do to reach them.
So, no…this is not just theory for me. It’s my life!
I combine formal education with personal, in-the-trenches knowledge to help people like you move forward financially.
A Fact Of Life…
You are where you are today because you planned to be there, whether you meant to or not! If you want to be somewhere else in a month from now or a year from now, you need a new plan.
That’s what I help with…helping you make a new plan that includes new behaviors that lead you toward your financial goals.
A Life-Changing Offer!
For a limited time I’m offering a free 30-Minute “Money Mastery Strategy Call”.
This call will not be a thinly-disguised sales pitch designed to guilt you into buying something you don’t need. It also will not be a cheesy cheerleading session that will only embarrass both of us.
Instead, it will be an intense, no-holds-barred, anything-goes strategy session with Clay Cutts, LMSW, CFSC, a licensed therapist and Certified Financial Social Worker. If you are prepared and on time we will get a ton accomplished in 30 minutes. You can use the time however you like. By the end of the call you will, at a minimum, identify your most pressing financial problem and be crystal clear on how to begin working toward solving it.
What to do next…
Simply click below and choose a time that’s convenient for you.
Ideally, you and your spouse (if you are married) should plan to attend. If that’s impossible, just come yourself.
Oh, and don’t forget to include a good phone number so I know how to reach you.
That’s all there is to it! I look forward to chatting with you.