IOS - Investments over subscriptions

Subscription Audit — How $280 a Month Can Become over $300K.

We live in the age of subscriptions. $9.99 here. $14.99 there. A “free trial” you forgot to cancel. Suddenly, you’re paying for 7 streaming platforms, 3 food delivery apps, and a gym you haven’t seen since 2021.

The truth? These sneaky auto-pays aren’t harmless—they’re stealing your future wealth.

And if you’re already behind on righting your financial ship, and trying to catch up on savings, a subscription audit might be the simplest, most powerful move you can make right now.

A Real-Life Wake-Up Call

Do you realize that most people have at least a few streaming bundles they rarely watch, a premium music service when a free one is available and a gym membership they hadn't seen in 18 months? In addition to that, most people have all these things that auto-renew quietly every year. Why are your subscriptions auto-renewing, but your investments are not?

Those subscriptions above together average $3,360 a year!

That’s $3,360 a year gone. And over 10 years? More than $33,000 wasted.

When those are cancelled and the money redirected—half to an Ally Bank High-Yield Savings Account ( #HYSA) (open here)

and half into an S&P 500 index fund at such places like Vanguard, Charles Schwab, or Fidelity Investments — everything changes.

Two years later, your balances can be up by over $7,000. More importantly, you will finally start to believe that getting control of your own financial journey is possible. What?! Did you just think to yourself "two years, that's a long time for a little bit of money" But guess what, those two years are going to go by anyway! Would you rather pay yourself or some multimillion dollar corporation that doesnt care what your financial future looks like.

The Math That Should Shock You

That $3,360.00 a year breaks down to $280.00 per month. Here’s what $280/month can do:

• Saved in a HYSA at 4.2% = $3,426.00 after 1 year

• Invested at 8% average returns = $164,930 in 20 years

• Double it to $560/month? That’s nearly $329,856.00

This is money you generated that is coming back to you instead of corporate America! Subscriptions aren’t just costing you money—they’re costing you Time, Freedom, and Future Wealth.

How to Do Your Subscription Audit in 3 Steps

1. Track Them All - Pull 90 days of bank and credit card statements. List every auto-charge. Most people are shocked at what they find.

2. Ask the Value Question - For each subscription, ask: Does this improve my life or bring joy? If not, cancel. If it does, keep it guilt-free.

3. Redirect the Money - This is the critical step. Don’t let the $280 “disappear” into lifestyle creep. Automate transfers:

4. Half to your HYSA (safe growth for #EmergencyFunds)

5. Half to investments (#Fidelity, #Vanguard, or #Schwab index funds are great regardless of what stage you're in)

6. 
   

Why This Matters More Later in Life

At 25, wasting $280/month feels like “no big deal.” At age 45 or 55, that same $280 could be the difference between retiring free or working until you can’t.

This isn’t about deprivation—it’s about redirection. Canceling a forgotten app isn’t painful. Watching your balance grow while your stress shrinks? That’s freedom.

Want to Go Deeper? These Books Reinforce the Lesson:

• Your Money or Your Life — teaches you to measure expenses against your values.

• The Total Money Makeover — step-by-step on paying off debt and reclaiming cashflow.

• I Will Teach You to Be Rich — practical, fun advice on saving without cutting joy.

Final Word: Cancel the Waste, Fund Your Future

The average American spends $200–$300/month on subscriptions. That’s $2,400–$3,600 a year that could be growing into six figures over time.

So here’s the challenge: This week, do your subscription audit. Cancel at least 3 services. Redirect that money!

Your future wealth is waiting. Don’t let Netflix, Spotify, or an unused gym membership steal it from you.

Every canceled subscription is a step closer to freedom. Every redirected dollar is a seed planted for your future.

And the best part? You’ll still enjoy the things you love—you’ll just stop paying for the ones you don’t.

Your move:

• Do your audit tonight.

• Open your Ally Bank HYSA (here’s the link).

• Redirect the waste into wealth.

Because $280/month may not feel like much—but it’s $100,000+ of freedom waiting for you tomorrow.

Disclaimer: We are not Certified Financial Advisors. KellyG and I simply enjoy sharing what has worked for us, family, friends and countless others we have helped motivate, and empower, along the way. Always do your own research or consult with a licensed professional before making huge financial decisions. CONTACT US at https://www.pkentertainmentventures.com/hire-us  for help getting started. We look forward to hearing from you.

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