The Work Is Personal
A Clearer Picture. A Priority You Can Work On.
Financial coaching helps you examine the money decisions in front of you: what comes in, what goes out, what you owe and what you want to make possible. You bring the facts and the goals. The conversation helps you put them in order.
Give The Payments A Place In The Plan.
Lay out balances, minimum payments and the cash flow available to work with. Talk through what you have tried, what keeps getting in the way and which tradeoffs you can realistically sustain.
Make The Month Less Of A Guess.
Look at regular bills, irregular expenses and the spending that slips through. A useful budget needs to reflect the life you actually live, including the people and responsibilities that depend on you.
Build Toward Something You Care About.
An emergency reserve. A stronger net worth. Breathing room between paychecks. Name what progress means for your household, then work through the priorities and tradeoffs that help you build toward it.
Make Room For The Life You Want
Build It. Enjoy It. Give It Away.
The aim is to help your family structure—or restructure—its finances around reducing debt, building net worth and making tax-conscious decisions. Paying less interest and avoiding unnecessary taxes leaves more room for the people and priorities you care about.
In the spirit of the Baby Steps, financial progress should eventually mean more than keeping up with payments. It should make room to enjoy what you have built, look after your family and give generously.
Give it away. Have fun doing it. And if there’s a legitimate write-off, let’s not overlook it.
Training You Can See
Ramsey Solutions Master Financial Coach.
Paul completed Financial Coach Master Training. His certificate names him and records that completion. Ramsey’s published FCMT guidance allows graduates to display the certificate and use the Ramsey Solutions Master Financial Coach title.
THE TAX CUTTERY provides independent coaching. Paul is not an agent or employee of Dave Ramsey or Ramsey Solutions. The training reference does not imply an endorsement of this practice, its services or Paul’s book.
Ramsey’s Published Certificate And Title Guidance ↗ · See The Main Financial Coaching Page →
Meet The Process Before You Book
Start With Paul’s Video-Guided Interview.
This is the coaching front door. The prerecorded questions help you describe your goals, debt, cash flow and priorities at your own pace. You can type your answers or choose an available audio or video response, then return through your private email link.
- Start free. Give your name and email and verify the private link.
- Tell your story. Follow the coaching questions that fit your situation.
- Choose your time when ready. Review the available date, appointment cost and terms before paying for a live hour.
Watch Paul’s Coaching Welcome →
Your live appointment purchases only one 60-minute conversation about the information already collected, the results and your questions. Additional written work, research and tax preparation require a separate engagement. Financial coaching is its own track; tax matters use the initial tax consultation.
The Book Behind The Practice
Your Money Has A Tax Side, Too.
THE TAX CUTTERY® Guide to Federal Income Taxation, Professional Edition. Save Smarter. Prepare Accurately. Defend Better. Keep the federal income tax foundation on your desk as you think about the decisions ahead.
The Guide is Paul’s book, published by THE TAX CUTTERY. It is separate from Ramsey Solutions and its training materials. Read it independently or use it to bring more context to your own tax questions.
The Guide is recommended for coaching, not required. You can begin the coaching interview without buying it.
Questions About Training And Coaching.
What Is A Ramsey Solutions Master Financial Coach?
Ramsey Solutions’ Financial Coach Master Training program prepares graduates for financial coaching. Its published certificate guidance authorizes graduates to use the title Ramsey Solutions Master Financial Coach. Here, that title describes Paul’s completed training; THE TAX CUTTERY provides its own independent coaching service.
Has Paul Diaz Completed Financial Coach Master Training?
Yes. Paul’s Certificate of Completion names PAUL DIAZ and states that he completed Financial Coach Master Training. You can view the full certificate on this page and on the main Financial Coaching page.
What Education And Professional Background Does Paul Bring To Coaching?
Paul Diaz combines completed Ramsey Solutions Financial Coach Master Training with an undergraduate degree in Finance and a Master of Business Administration with a concentration in Accounting. His professional background includes federal and state licensures, along with experience as an author and professor. Capital markets, accounting and federal income taxation belong in the same conversation about your family’s money. Paul brings that broad perspective to coaching that starts with your habits, priorities and the life you want your money to support.
Is THE TAX CUTTERY Part Of Ramsey Solutions?
No. Paul operates independently and is not an agent or employee of Dave Ramsey or Ramsey Solutions. Identifying his completed training does not imply an endorsement of THE TAX CUTTERY, its services or Paul’s book. Coaching is provided by THE TAX CUTTERY.
What Can Financial Coaching Help Me Work On?
Bring your spending, debt payments, cash reserves and savings goals into one picture. Coaching focuses on understanding your choices, selecting priorities and following through. The starting point is your actual situation, not a promised debt-free date or a guaranteed financial result.
Can I Start If I Am Behind On Bills Or Still Carry Debt?
Yes. You can start the free coaching interview with the situation you have today. Explain what is happening, which payments are competing for your money and what you want to change. Do not wait until the records or the circumstances feel perfect to begin.
Can Coaching Help Me Apply What I Learned From Dave Ramsey?
Bring the habits or ideas you have already tried, including your experience with Dave Ramsey’s Baby Steps, and explain where you are getting stuck. Paul’s independent coaching can focus on your budget, debt and next priorities. This is not enrollment in a Ramsey Solutions course or a package of its training materials.
Is The Free Coaching Initial Interview A Live Call?
No. It is a prerecorded, video-guided interview you complete at your pace. You can type answers and use the available optional audio or video responses. Your private email link lets you return. A live hour with Paul is booked and paid for separately.
Do I Need To Buy The Guide Before Coaching?
No. The Guide is recommended for coaching, not required. You can start and complete the coaching interview without purchasing it or completing tax intake. The book provides federal income tax context that you can keep and read independently.
Does Financial Coaching Include Tax Preparation Or Tax Research?
No. Coaching focuses on budgets, debt, savings and household financial goals. Tax return preparation, tax planning and tax research begin with the separate initial tax consultation and require an appropriately defined engagement. A coaching-only visitor does not need to repeat tax intake.
When Will I See The Price For A Live Appointment?
The initial coaching interview is free. If you choose a live appointment afterward, the shared calendar shows the cost for the date and time you select, along with the terms before payment. The appointment buys only one 60-minute conversation; written work, research and tax preparation are separately engaged.
How Do I Get Started?
Open the coaching initial interview, give your name and email, and follow the private link sent to your inbox. Phone is optional. Begin with your priorities and answer the questions relevant to your situation. Optional marketing permission is separate from contact about your interview.
Keep Exploring.
You Can Begin Where You Are
Bring The Decision You Keep Putting Off.
You do not need to have it all figured out. Start with what is happening and what you want to change. Your answers give the next conversation a starting point.
Start My Free Coaching Interview →Training reference checked October 15, 2026. Financial coaching is education and accountability around your own financial choices. It does not include securities transactions, investment-product recommendations or tax return preparation. Individual services and their scope are agreed separately.