The average American thinks they spend around $86 a month on subscriptions. The actual average is closer to $219. The gap exists because subscriptions are designed to feel small, stay in the background, and auto-renew before you notice. Ryan explains why businesses love the subscription model and how that same psychology works against your budget.
The fix is simple but requires actually doing it: sit down and list every recurring charge, what it costs, and when you last used it. Ryan covers how to approach this audit, what to cut, and how to stop the slow drain of services you forgot you had. A few hours of attention can recover hundreds of dollars a year without giving up anything you actually use.
Find "Your Fiscal Physical" the book on Amazon
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