01 / DEBT REDUCTION
Give the payments
a finish line.
See what you owe, what it costs, and what your cash flow can support. Build a repayment approach you can understand and follow.
FINANCIAL COACHING WITH PAUL D. DIAZ
Less debt.
More options.
A plan for what comes next.
Your money has a job beyond getting you through the month. Work with Paul to put debt in perspective, build toward the assets you want to own, and bring taxes into the conversation before the decisions are made.
The Guide and a completed consultation come before paid coaching.
01 / REDUCE DEBT02 / BUILD ASSETS03 / PLAN FOR TAXES
GIVE YOUR MONEY A DIRECTION
Make room for
the life you want.
You bring the real numbers, the competing priorities, and the question you keep putting off. We work through the next decisions together.
Give the payments
02 / ASSET ACCUMULATION
Build something
you get to keep.
Turn a vague wish to “save more” into priorities: a cash reserve, a future purchase, retirement, or another goal that matters to you.
03 / TAX PLANNING
Think past
the price tag.
Bring taxes into decisions about earnings, saving, business, and major life changes. Identify the questions that deserve attention before you act.
THE FOUNDATION COMES WITH YOU
Read. Talk.
Put it to work.
The Guide gives us a shared reference. The free consultation gives your questions a place to begin. Coaching is where we work on the choices in front of you.
You keep the book whether you choose one paid session, ongoing coaching, or a path of your own.
Already started? Complete your free consultation using your private link. We verify ownership before paid coaching opens. The shared calendar also requires your organizer and baseline before booking.
CHOOSE YOUR PACE
A focused conversation.
Or room to keep going.
Start with the level of support that fits the work ahead.
À LA CARTE · 1 CREDIT
One next step.
Bring a defined concern. Work through the options and the next action worth taking.
Explore à la carte →3 CREDITS
Room to follow through.
Make space to return to your priorities, talk through what changed, and adjust your approach.
Explore 3 credits →6 CREDITS
Keep the conversation going.
Keep a larger credit balance for coaching as your debt, savings, and tax questions develop.
Explore 6 credits →ONE CALENDAR · ONE CREDIT BANK
Bank the credits.
Choose the time.
Financial coaching, tax planning, and advisory conversations draw from the same credit bank. The appointment date determines how many credits an hour uses, regardless of how you paid for your credits.
| Appointment dates | Credits per hour |
|---|---|
| May 1–August 14 | 1 credit |
| October 17–December 31 | 1.5 credits |
| January 1–April 30 | 2 credits |
| August 15–October 16 | 2 credits |
Three credits cover three base-season hours, two 1.5-credit hours, or one 2-credit hour with a credit left in your bank. Six credits cover six, four, or three hours at those respective rates.
Tax returns are priced in their engagement. Time is credit-based. Purchasing credits does not purchase tax return preparation.
Single credits expire 90 days after purchase; packs expire December 31 of the purchase year. Cancel at least seven days ahead and credits return under their original expiry. Inside seven days, late arrivals, and no-shows use the booked credits. Review the full terms before purchasing.
YOUR COACH
Paul D. Diaz, EA, MBA
IRS Enrolled Agent, Admitted to Practice Before the Internal Revenue Service, MBA in Accounting
View full certificate ↗
The author behind the Guide.
A coach for the decisions ahead.
Paul is a Ramsey Solutions Master Financial Coach and completed Financial Coach Master Training. If Dave Ramsey’s approach to debt and intentional spending brought you here, we can build on that foundation while working through your own priorities.
THE TAX CUTTERY provides independent coaching and is not an agent or employee of Dave Ramsey or Ramsey Solutions. Coaching focuses on financial habits, goals, and decisions. Tax return preparation and representation are separately scoped engagements.
PAYMENT OPTIONS
Bitcoin & USDC.
USDC checkout through Coinbase Business. Bitcoin by arrangement. Other stablecoins considered individually before payment.
How payments will work →Coinbase Business checkout is being prepared. Contact the firm to discuss Bitcoin or stablecoin payments.
START WITH YOUR SITUATION
What would you like
your money to make possible?
Start your free consultation →Free to begin. No book purchase needed to complete the consultation.