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