How to Money10 Sep 2025

Financial Freedom on Less than $40k w/ Hope Ware #1034

Want to live joyfully and abundantly on a shoestring budget? Is it even possible or is it something from a bygone era?! With headlines shouting that even high income earners making $300,000 are living paycheck, achieving financial freedom on a $40,000 salary sounds like a pipe dream. But our guest today is proof that it’s possible and that you can have a good time along the way, too. Hope Ware runs the site & YouTube channel Under the Median along with her husband Larry, to instruct and inspire others to spend less, save more, and live joyfully on a mid five-figure income. She emphasizes the importance of proactively prioritizing, tracking expenses, and setting financial goals. Hope discusses the mindset shifts necessary for effective money management, the significance of teaching kids about money and the emotional aspects of spending, the importance of balancing frugality with building wealth, e-bikes, and plenty more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

Hope and Larry's free guide to reduce expenses!
Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.
Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

Best friends out!

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