The 96% Cut: Ruthless Stewardship for a 5-Hour Work Week
I was working 60+ hours a week, drowning in subscriptions I forgot about, tools I didn't use, and "shoulds" that drained me more than they served me. Then I did the audit. 96% of my overhead: gone. Not by earning more. By looking closer. In this episode, I break down the three-part framework that bought me back 30+ hours a week: 1. The Utility Test — If you haven't used it in 30 days, cancel it. (Yes, even "just in case.") 2. The ROI Check — Does this expense bring measurable value or genuine peace? If neither, cut it. 3. Season Awareness — Rest seasons require different overhead than growth seasons. Steward accordingly. I also share the specific cuts: $250 phone bill → $8. Unused software. "Automated" tools that created more work. The "small" subscriptions that totaled thousands annually. This isn't about restriction. It's about freedom. The 96% cut didn't shrink my business. It expanded my life. 🎯 Find your starting point: moneytalkwitht.com/start (https://moneytalkwitht.com/start) #stewardship #96percentcut #overheadaudit #fivehourworkweek #lifestylecreep #personalfinance #moneymanagement #cutexpenses #financialfreedom #ruthlessstewardship #worklifebalance #moneymindset #tello #subscriptionaudit