Home > family, Money Matters, Self Help > Just the average Joe.

Just the average Joe.

Being the average Joe (or Jane) isn’t too bad.  I’m sure Joe goes to work every day, maybe he’s married and has a few friends.  Joe might have a year or two of college under his belt and holds a decent job with okay benefits.  Joe might also have a couple grand in credit card debt and maybe a personal loan or college loan from his younger days. 

Your piggy bank could look a little better.


You know, Joe is average.  And Joe’s in trouble for being average.

You see, Joe has fallen into the trap that so many of us do.  Joe believes that it’s okay to do what he “thinks” everyone else is doing.  What Joe doesn’t know is everyone else is broke, or they living paycheck to paycheck.  That’s average.

I understand, not everyone can be the top of the pile or the king of the hill.  For every successful person several more have failed along the very same path.  The difference is those that lost, or failed, didn’t try again.  They settled.  They settled into a comfortable routine that put them on the path to average or worse.  Spending more than you make will lead to more and more problems.

Joe needs a wake up call. 

It doesn’t take a financial planner or relationship expert to tell you that if you are being overwhelmed at home with bills that your work is going to suffer eventually.  It is directly correlated.  You’ll feel better once you get handle on your finances.  

Take a step back and schedule an afternoon and review your bank statements.  Add up how much money is going out.  That number may be shocking.  If it’s more than what you make, you’ve got a problem. 

The solution isn’t to make more money.  It’s to change the habit of over spending.  Do your review and I’m sure some of the stress you feel about picking up the mail or phone because of creditors calling will be eased after you put a plan in place to get rid of the bills.  Take a deep breath and begin your journey.  You’ll feel better, I promise.

  1. January 13, 2011 at 10:14 am

    Very true about the average Joe, there are many Joes in this world who can’t seem to get pass the average and go for extraordinary as it would mean sacrifice and hard work on someone’s part. We keep telling ourselves the same lies that keep us from going further. Thanks Matt, great article!

  2. January 13, 2011 at 10:42 am


    It took me a while to write this one. I thought I might offend some readers but sometimes a wake up call is needed.

    I don’t care what “Joe” is doing. I know a lot of Joes. Some look like they are doing okay too. It’s hard to tell, without asking very specific, personal questions.

    I do pay attention to those who are clearly moving forward and succeeding. Those kinds of people are much harder to find. Most are actually shunned because they think out of the box and go against the grain.

    Going with the grain isn’t any fun. So if you can take the ridicule then go against the grain and be humble and succeed as you move forward. Go for it!


  3. January 13, 2011 at 2:30 pm

    Nice read! Totally agree! The way to become wealthy is to spend less than what you earn and invest into assets! I talk about this in my new book Get Over Your B.S. (Belief System) http://www.getoveryourbs.com

    • January 13, 2011 at 8:08 pm

      Perfect! I’ll have to take a look.


  4. ChrisT
    January 13, 2011 at 3:38 pm

    Poor Joe. You gotta wonder…if the wake up call rang him, would he actually pick up and answer it?

  5. January 13, 2011 at 4:00 pm

    You know Chris, that’s hard to say.

    That means Joe would have to face the music and that might be a little bit too hard. Looking in the mirror only to find out that you’re not doing very well is a tough pill to swallow.


  6. ChrisT
    January 13, 2011 at 5:02 pm

    I hope he does. Once you swallow it and realize how much better you feel on the other side, you just can’t get enough! I’ll take a refill on that prescription please!

    • January 14, 2011 at 2:20 pm

      If you stay healthy, you won’t need a perscription, Chris.

      • ChrisT
        January 14, 2011 at 2:55 pm


  7. January 14, 2011 at 11:54 am

    Great perspective. I think with how the economy has been, no one wants to settle for average anymore. Hopefully this is motivate and inspire some people not to settle.

  8. January 14, 2011 at 2:22 pm


    Thanks for stopping by. We’re all going to have to do better. And doing better can mean a lot of things. It could be starting down a new path or cutting back on certain indulgences.

    Either way, if one is on a path to ruin… get off that path!


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