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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
#stewardship #96percentcut #overheadaudit #fivehourworkweek #lifestylecreep #personalfinance #moneymanagement #cutexpenses #financialfreedom #ruthlessstewardship #worklifebalance #moneymindset #tello #subscriptionaudit
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Money Talk With Tiff

Money Talk With Tiff

Money Talk With Tiff