How to Money Financial Freedom on Less than $40k w/ Hope Ware #1034
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Sep 10, 2025 Hope Ware, who runs the site and YouTube channel Under the Median with her husband Larry, shares her journey of achieving financial freedom on a modest income. They discuss practical strategies for living joyfully on less than $40k, including proactive budgeting and setting financial goals. Hope emphasizes the importance of teaching kids about money management and the emotional triggers behind spending. With tips on balancing frugality and wealth-building, she proves that a fulfilling lifestyle is possible without breaking the bank.
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Prioritize Joyful Spending
- Prioritize spending by deciding what matters most and budgeting toward those priorities.
- Plan and set aside money each month for the things you value so you can joyfully spend on them.
Track First, Cut Later
- Track every dollar for 30 days to find where your money actually goes instead of estimating.
- Use that data to set mini goals and substitute cheaper activities so you don't feel deprived.
Swap Brands And Time For Cash
- Buy store brands and make basic staples at home to save substantial amounts.
- Replace paid services with time-based substitutes when time is available to you.
