Author Archives: John Cummuta

Is Your Story Stopping Your Prosperity?

Is Your Story Stopping Your Prosperity?

Why don’t we achieve many of the things we want in our life?

It’s often because of the story we’re telling ourselves. Our story.

Your wonderful subconscious mind works 24/7 on assignments you give it throughout the day.

What assignments?

Your subconscious continues working on whatever you concentrate on during your conscious hours. It also chews on anything you are worrying about or excited about. And, all these subconscious machinations happen within a framework…the framework of your preconceptions and attitudes.

We could call this “Your Story.”

So, if I see myself as a victim, my story is going to be seeded with images of failure and frustration…most blamed on someone or something other than myself. These are the images that sabotage my journey to success and prosperity, and circle me back to Victim Valley.

The great thing is that I don’t have to remain in Victim Valley…and neither do you.

Here’s how I define VICTIM.

Taken on an

Let me give you an example.

In the 1980’s, I experienced a complete financial crash. A vendor to our business shut down without warning, forcing us to close down, so my income went away. But, I had car loans, credit card balances, and a big mortgage.

Why did I have these debts? Well, in part because my dad had been a credit lover when I was growing up, so I thought that was normal.

A perfect VICTIM setup.

I could blame our business’s vendor and my dad for where I was at that moment…and don’t think I didn’t…at least for about a month.

Then, after my 4-week pity party, I started looking through the rubble for way out. I realized that, although it wasn’t completely my fault that I was there, it WOULD be completely my fault if I stayed there.

I asked God for inspiration and ideas, and he delivered.

But he did it by leading me to financial education books and courses I had not bothered with in the past. He inspired me to see different keys from different sources to design an efficient and effective route out of our financial crater.

Four years and seven months later we were debt-free, including our mortgage.

But, there was work on my part. It wasn’t just magic money in my mailbox or a winning lottery ticket.

And, I probably would not have done the work or stayed the difficult course if I had let myself stay in VICTIM mode.

I had to rewrite my story.

My story had been constructed from my life experiences…mostly without the addition of outside wisdom.

To be fair to dad, he was VERY wise. He gave me tons of practical wisdom in almost every area of life…except finances. And to be fair to our business’s vendor, we should have had a plan B for such a loss.

Once I took responsibility and started soaking up wisdom from multiple sources, both spiritual and practical, a new story took shape. And the more positive fruit it bore in my life, the more I focused on it.

We all have “Incomplete Maps” in our internal GPS, and those maps are tilted toward Victim Valley.

Just like updating the map in a GPS, you have to consciously rewrite the map your story follows if you want to get to a better destination. Does this mean you have to deny bad things that people or circumstances have done to you?

Absolutely not!

It simply means that you have the power to reframe and reorient them in a positive direction.

You may be a victim, but you CHOOSE whether you stay a victim.

I reframed my financial crash into a mega learning opportunity, and it not only got us out of our financial hole, it ended up being the foundation of my life’s work and a financially successful business.

How do you update your incomplete map and reframe your experiences?

You’ve probably heard the phrase, “You are what you eat.” That also applies to what you eat mentally and emotionally.

“The one who gets wisdom loves life; the one who cherishes understanding will soon prosper.” That’s from the Book of Proverbs in the Bible. There are 31 chapters in Proverbs, one for every day of the month. If you read each day’s proverb, you’ll be eating wisdom.

I also recommend checking out the self-development teachers at

So, eat healthy and rewrite your story without using the word “victim.”

The Private Family Banking Legacy Strategy

The Private Family Banking Legacy Strategy

Creating a Generational Wealth System   What is a Private Family Bank? If you don’t know what a Private Family Bank is, you need to read The Banker’s Secret to Permanent Family Wealth. It will explain WHAT a Private Family Bank is, HOW it works, and WHY it is the best wealth accumulation and deployment… Continue Reading

Why We Recommend Private Equity Real Estate Funds

Why We Recommend Private Equity Real Estate Funds

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Who should pay for college…your child or you?

Who should pay for college…your child or you?

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5 Non-Optional Steps to Gen-X Money Success

5 Non-Optional Steps to Gen-X Money Success

Generation X is the current “Squeeze” generation. You may have children in or about to go into college. You may have parents who need or will soon need your physical and perhaps financial help. And, oh yeah, you have your own hopes and dreams. All these demands will take money…your money. And, if that wasn’t… Continue Reading

Boomers could crush the stock market, because…

Boomers could crush the stock market, because…

Millions of Baby Boomers are retiring every year, and as they start taking funds from their retirement accounts, they’re forced to sell stocks to withdraw cash. Basic economics tells us that, as the supply of stocks for sale on the markets increases, share prices are pressured downward. Supply and demand. As supply increases, with fixed… Continue Reading

Your Financial Fighter Plane

Your Financial Fighter Plane

It was bright and sunny this morning, with temps in the low 90s, when Lois and I walked out our front door for our regular 2.5-mile morning walk. A typical Arizona summer morning. We walk a route through our palm-lined neighborhood, which gets us within about a mile and a half of the Luke Air… Continue Reading

Five Pillars of Retirement Income

Five Pillars of Retirement Income

Financial advisor, Michael Kitces, says, “The modern retirement portfolio will really rely on four pillars for retirement income – interest, dividends, capital gains, and principal.” Most Americans can add Social Security as a 5th retirement income pillar, and in this article, we’ll examine these 5 post-employment income sources, their tax consequences, and how they might… Continue Reading