The 96% Cut: Ruthless Stewardship for a 5-Hour Work Week

Money Talk With Tiff · Apr 23, 2026 · 6m

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…