{"id":8950,"date":"2020-02-26T03:13:00","date_gmt":"2020-02-26T07:13:00","guid":{"rendered":"https:\/\/marriagekidsandmoney.com\/?p=8950"},"modified":"2023-02-15T17:36:37","modified_gmt":"2023-02-15T22:36:37","slug":"living-on-50-percent-income-helped-us-reach-financial-freedom-kelly-smith","status":"publish","type":"podcast","link":"https:\/\/marriagekidsandmoney.com\/podcast\/living-on-50-percent-income-helped-us-reach-financial-freedom-kelly-smith\/","title":{"rendered":"How Living on 50% of Our Income Helped Us Reach Financial Freedom &#8211; with Kelly Smith"},"content":{"rendered":"\n<p>There may not be a single right way to achieve financial freedom, but supersizing your savings is certainly a powerful strategy.<\/p>\n\n\n\n<p>But what does supersizing your savings mean? More importantly, how does someone go about doing that?<\/p>\n\n\n\n<p>I sat down with Kelly Smith from <a href=\"https:\/\/freedominabudget.com\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Freedom in a Budget<\/a> to learn more about how she and her husband are crushing their goals and enjoying their lives while living on 50% of their income.&nbsp;<\/p>\n\n\n\n<p>In our chat, Kelly proves that budgets aren\u2019t constricting. They\u2019re a pathway to freedom. She shares details on making the decision to take the 50\/50 path, milestones they\u2019ve already crossed, and where they are headed.<\/p>\n\n\n\n<p>Plus, she offers actionable steps for people who want to make more money and want to make saving 50% of your income a reality.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"wpbf-responsive-embed\"><iframe loading=\"lazy\" title=\"How Living on 50% of Our Income Helps Us Achieve Our Big Financial Goals - with Kelly Smith\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/3do-1Q_KhVc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<p><!--more--><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How They Decided to Live on 50%<\/h2>\n\n\n\n<p>Although she adopted a frugal lifestyle prior to getting married, Kelly wasn\u2019t always a super saver. In fact, she says that there was a time in her life when her car was repossessed and her electricity was turned off. She recalls living off spaghetti and butter\u2014not just because she loves pasta\u2014because it was a cheap meal her bank account could actually afford.<\/p>\n\n\n\n<p>Before she got on the 50\/50 path to savings, any time she saw money in her bank account, she was tempted to spend it. If her balance was $20, she interpreted that as having $20 to spend. She didn\u2019t think much about saving.&nbsp;<\/p>\n\n\n\n<p>Once she realized the value in savings, she began to reevaluate how much she was spending and how little she was saving. She says that she quickly pushed the pedal to the metal in order to get more aggressive with her finances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Make a Plan with a Budget<\/h3>\n\n\n\n<p>After her \u201cenough is enough\u201d moment, she started budgeting and closely tracking all of her purchases. Once she started putting the time into monitoring her money, she realized that she actually had more leftover than she thought.<\/p>\n\n\n\n<p>Tracking her spending reduced her impulse purchases, allowing her to have $200 left over at the end of one month. Motivated by that progress, she says things started to snowball.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ensure Your Spouse is on Board<\/h3>\n\n\n\n<p>Prior to getting married, she and her fianc\u00e9 decided that living on 50% of their income was an important goal. It required some back and forth and open communication. Kelly quickly realized that even though she was interested in living as a frugal spreadsheet fanatic, her husband had other interests. She says that he does eat out more than her, but that works for them. The most important thing is that they dream and plan together.<\/p>\n\n\n\n<p>She says that one of the most helpful reminders they give each other is: \u201cIf we do this, then we can also do that.\u201d That helps them stay focused on all the opportunities the 50\/50 path affords them.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-8965\" src=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/02\/Kelly-Smith-Laptop.png?resize=401%2C358&#038;ssl=1\" alt=\"Kelly Smith Freedom in a Budget\" width=\"401\" height=\"358\" data-pin-nopin=\"1\" data-recalc-dims=\"1\" \/>\r\n<figcaption>Kelly Smith<\/figcaption>\r\n<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">The Financial Milestones They\u2019ve Achieved Living on 50%<\/h2>\n\n\n\n<p>Saving 50% of your income can push you closer to your financial milestones faster than you\u2019d imagine. Though Kelly and her husband have only been living on 50% for a handful of years, they are checking boxes on their goals. Here are some of the milestones they\u2019ve already crossed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Affording The Wedding of Their Dreams<\/h3>\n\n\n\n<p>As a South Florida resident, Kelly points out that the cost of living in her area is high. In fact, she mentions that it isn\u2019t all that unusual to see some people spend close to six figures on celebrations like weddings and even bar mitzvahs.<\/p>\n\n\n\n<p>When she and her fiance started talking about their own wedding, Kelly knew that she was not interested in spending six figures. She didn\u2019t want to spend anything close. Ultimately, she and her fiance worked with a wedding coordinator to design a wedding they loved for around $30,000.<\/p>\n\n\n\n<p>Their ability to live on 50% of their income allowed them to <a href=\"https:\/\/marriagekidsandmoney.com\/40000-wedding-without-debt-stefanie-oconnell-rodriguez\/\">pay cash for their dream wedding<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Buying Her Dream Car in Cash<\/h3>\n\n\n\n<p>Kelly also purchased the car of her dreams. Though people often mistake it for brand new, she drives a 2016 Jeep Cherokee. This purchase is something she and her husband started saving for right after the wedding.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/02\/jeep-kelly.jpeg?w=1200&#038;ssl=1\" alt=\"\" class=\"wp-image-8966\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>It took them a little over a year, and then she was able to buy a car she loves in cash. She emphasizes two things:<\/p>\n\n\n\n<ol>\n<li>Combining finances let them hit their goals faster<\/li>\n\n\n\n<li>Her new-to-her car is a true luxury vehicle compared to what she used to drive<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Saving for a House Downpayment&nbsp;<\/h3>\n\n\n\n<p>After crossing two big milestones on their 50\/50 path, Kelly and her husband had another goal to conquer: buying a house.<\/p>\n\n\n\n<p>To do this, Kelly and her husband started to make small cutbacks in different parts of their budget. She says her goal was to see where they could save even more money. By earning more money and reducing their expenses, they were able to buy sooner than they thought. The fact that closing costs were less than she originally thought helped, too. Thanks to the work they put in as a couple, they were able to <a href=\"https:\/\/marriagekidsandmoney.com\/steps-save-up-for-home-down-payment\/\">afford a down payment<\/a> on a home mortgage of over $370,000.&nbsp;<\/p>\n\n\n\n<p><iframe loading=\"lazy\" style=\"border: none; overflow: hidden;\" src=\"https:\/\/www.facebook.com\/plugins\/post.php?href=https%3A%2F%2Fwww.facebook.com%2FandyhillMKM%2Fposts%2F864748473953135&width=500\" width=\"500\" height=\"560\" frameborder=\"0\" scrolling=\"no\"><\/iframe><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Planning Your Finances on the 50\/50 Path<\/h2>\n\n\n\n<p>It\u2019s clear that the 50\/50 path leads to financial freedom. How exactly do you go about saving 50% of your income?<\/p>\n\n\n\n<p>You have to plan for it. That kind of aggressive savings doesn\u2019t happen on accident. Kelly is a self-proclaimed numbers and Excel nerd. That means that she deals with a lot of the household numbers and data.&nbsp;<\/p>\n\n\n\n<p>However, their planning truly is a team effort. She and her husband <a href=\"https:\/\/marriagekidsandmoney.com\/how-to-throw-a-budget-party-with-your-spouse\/\">make time each month to go over their financial wins and failures<\/a> of the previous month. Together, they also review their progress toward monthly and yearly goals. This helps them understand how much of their income is going towards savings and how much their <a href=\"https:\/\/marriagekidsandmoney.com\/how-to-increase-your-net-worth-by-700000-in-7-years\/\">net worth<\/a> is growing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Setting Goals for the Future<\/h2>\n\n\n\n<p>Because Kelly and her husband are still living on 50% of their income, they know they can continue to set ambitious goals. After taking an Alaskan cruise this year, Kelly says travel will continue to be a big goal for them.<\/p>\n\n\n\n<p>She also says that they hope to close on their <a href=\"https:\/\/marriagekidsandmoney.com\/roofstock\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"first rental property (opens in a new tab)\">first rental property<\/a> by the end of the year. Specifically, they are looking at saving up in order to put 20% down on a 30-year fixed mortgage. It\u2019s no small feat in a high cost of living area, but she thinks they are up for the challenge.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How others can go from 0% to 50%<\/h2>\n\n\n\n<p>It\u2019s hard, maybe even impossible, to hear Kelly\u2019s story and not want to start saving 50% of your income. But if you\u2019re not saving anything, is it even possible? Of course, it is. After all, that\u2019s exactly where Kelly started.&nbsp;<\/p>\n\n\n\n<p>Kelly\u2019s advice is to simply start by creating a written budget and committing to tracking your spending. To avoid this becoming a daunting and time-consuming task, Kelly suggests spending a few minutes every few days looking at your numbers rather than waiting until the end of the month. In addition to saving you time, you can also make corrections as you go.<\/p>\n\n\n\n<p>If you notice that your <a href=\"https:\/\/marriagekidsandmoney.com\/decreased-annual-expenses-20000-increasing-fun-by-10000\/\">grocery spending<\/a> is nearing the top of your budget in the middle of the month, shop your own pantry for meal ideas for the next week. Once you start to end the month with money leftover, make sure to send it to savings or invest it.&nbsp;<\/p>\n\n\n\n<p><iframe loading=\"lazy\" style=\"border: none; overflow: hidden;\" src=\"https:\/\/www.facebook.com\/plugins\/post.php?href=https%3A%2F%2Fwww.facebook.com%2FandyhillMKM%2Fposts%2F701212133640104&width=500\" width=\"500\" height=\"535\" frameborder=\"0\" scrolling=\"no\"><\/iframe><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Make More Money<\/h2>\n\n\n\n<p>In addition to cutting costs, Kelly and her husband worked hard to make more money. Since she started her <a href=\"https:\/\/www.youtube.com\/freedominabudget\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"YouTube channel (opens in a new tab)\">YouTube channel<\/a> four years ago, Kelly says their income has grown over $100,000. Both she and her husband have earned raises. He also changed jobs. Plus, they both side hustle.&nbsp;<\/p>\n\n\n\n<p>Kelly says there are so <a href=\"https:\/\/marriagekidsandmoney.com\/side-hustles-parents-can-do-from-home\/\">many side hustles available to people<\/a>. While they may not always be fun, the extra income does add up quickly.<\/p>\n\n\n\n<p>Even if you feel that side hustling isn\u2019t right for you, Kelly challenges everyone to reconsider that. In particular, she says working overtime is a great side hustle. When she found her overtime hours getting cut, she asked to help out in a different department. That meant extra training and working overtime in a role that wasn\u2019t her real passion. Still, she knew it wasn\u2019t a career change\u2014it was only a side hustle.&nbsp;<\/p>\n\n\n\n<p>Of course, the key part of making more money is also to save it. Kelly says that she and her husband will celebrate with dinner at a nice restaurant. However, they also work to keep lifestyle inflation in check. One way that Kelly recommends people do this is to increase their <a href=\"https:\/\/marriagekidsandmoney.com\/simple-millionaire-investing-strategies-with-the-401k-ira-and-529-with-andy-wang\/\">retirement accounts<\/a> when they land windfalls, like raises or bonuses.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Living on 50% One Percent at a Time<\/h2>\n\n\n\n<p>No matter where you are on your personal finance journey, you can learn to start saving 50% of your income one percent at a time. Make it a goal to slowly increase your savings. You can do this by setting milestone goals for the year starting today.<\/p>\n\n\n\n<p>If you pace yourself and look to make incremental improvements, your goals will be more attainable and more enjoyable.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">CLICK \u201cPLAY\u201d AT THE TOP OF THE POST TO LISTEN OR LISTEN AND SUBSCRIBE (FREE) ON:<\/h4>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/marriagekidsandmoney.com\/applepodcasts\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/03\/Apple-Podcasts.jpg?zoom=1.5&resize=190%2C50\" alt=\"Marriage, Kids and Money Apple Podcasts\"\/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/marriagekidsandmoney.com\/googlepodcasts\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/07\/google_podcasts_badge@8x-300x76.png?zoom=1.5&resize=185%2C47&ssl=1\" alt=\"Marriage, Kids and Money Google Podcasts\"\/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/marriagekidsandmoney.com\/spotify\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/03\/listen-on-spotify-1024x359-1024x359.png?zoom=1.5&resize=187%2C65\" alt=\"Marriage, Kids and Money, Andy Hill\"\/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/marriagekidsandmoney.com\/stitcher\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2016\/11\/stitcher.png?zoom=1.5&resize=186%2C68\" alt=\"stitcher\"\/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/marriagekidsandmoney.com\/castbox\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/08\/castbox-button-1-300x110.png?zoom=1.5&resize=186%2C68&ssl=1\" alt=\"Marriage, Kids and Money CastBox\"\/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Show Sponsors<\/h2>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"http:\/\/www.debt.com\/mkm\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-8477\" src=\"https:\/\/i1.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2020\/01\/Debtcom-LOGO-When-life-happen.jpeg?fit=840%2C457&ssl=1\" alt=\"Debt.com Logo\" width=\"241\" height=\"131\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<p><strong>Debt.com<\/strong>: Get your free consultation by&nbsp;<a href=\"http:\/\/debt.com\/mkm\" target=\"_blank\" rel=\"noreferrer noopener\">visiting here<\/a>. Mention Andy from MKM sent you!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/roofstock\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2020\/02\/roofstock-logo_1.jpg?fit=840%2C439&ssl=1\" alt=\"\" class=\"wp-image-8969\" width=\"314\" height=\"164\"\/><\/a><\/figure>\n\n\n\n<p><strong>Roofstock<\/strong>: See how you can easily invest in single-family rental properties today! <a href=\"https:\/\/marriagekidsandmoney.com\/roofstock\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Click here to learn more (opens in a new tab)\">Click here to learn more<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">MKM Podcast Resources<\/h2>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/07\/Andy-Hill-Work-With-Me-Wordpress.jpeg?zoom=1.5&resize=344%2C147&ssl=1\" alt=\"Personal Finance Influencer, Personal Finance Speaker\" width=\"420\" height=\"179\"\/><\/figure>\n\n\n\n<p><a href=\"https:\/\/marriagekidsandmoney.com\/fbgroup\" target=\"_blank\" rel=\"noreferrer noopener\">Thriving Families Facebook Group<\/a>:&nbsp; Join our new FREE Facebook Community!<\/p>\n\n\n\n<p><em><strong><a href=\"https:\/\/marriagekidsandmoney.com\/young-family-wealth-playbook\/\" target=\"_blank\" rel=\"noreferrer noopener\">Young Family Wealth Playbook<\/a>&nbsp;(FREE)<\/strong>:&nbsp; 7-Steps to Solidifying Your Family\u2019s Future Wealth<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/young-family-wealth-playbook\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/02\/3D-Book-Art-for-YFWP.png?zoom=1.5&resize=239%2C271\" alt=\"Young Family Wealth Playbook\" width=\"265\" height=\"301\"\/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Questions?<\/h2>\n\n\n\n<p>I\u2019d love to hear from you!<\/p>\n\n\n\n<p>If you\u2019d like your question featured on the show, reach out and let me know. It would be my honor to support you in your journey toward financial freedom.<\/p>\n\n\n\n<figure><iframe loading=\"lazy\" src=\"https:\/\/www.speakpipe.com\/widget\/inline\/huij2yyd5a3i5jsuq56vnxh5jwoftdy4\" width=\"100%\" height=\"180px\"><\/iframe><\/figure>\n\n\n\n<p>Leave me a&nbsp;<a href=\"http:\/\/speakpipe.com\/mkm\" target=\"_blank\" rel=\"noreferrer noopener\">voicemail<\/a>&nbsp;or connect with me on&nbsp;<a href=\"http:\/\/instagram.com\/andyhillmkm\" target=\"_blank\" rel=\"noreferrer noopener\">Instagram<\/a>,&nbsp;<a href=\"http:\/\/twitter.com\/andyhillmkm\" target=\"_blank\" rel=\"noreferrer noopener\">Twitter<\/a>&nbsp;and&nbsp;<a href=\"http:\/\/facebook.com\/andyhillmkm\" target=\"_blank\" rel=\"noreferrer noopener\">Facebook<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Carpe Diem Quote<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201c<strong>You don\u2019t have to see the whole staircase, just take the first step.<\/strong>\u201c<\/p>\n<cite><em>Martin Luther King, Jr. <\/em><\/cite><\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>WHAT do you think of living on 50% of your income?<\/strong><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\">PLEASE LET US KNOW IN THE COMMENTS BELOW.<\/h4>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2020\/02\/Copy-of-Copy-of-Copy-of-Copy-of-Copy-of-Copy-of-end-hunger.png?fit=683%2C1024&ssl=1\" alt=\"\" class=\"wp-image-8970\"\/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n","protected":false},"author":3,"featured_media":10907,"comment_status":"open","ping_status":"open","template":"","epcats":[675],"eptags":[746,749,686,745,748,747,750,751],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.4 (Yoast SEO v22.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Living on 50% of Our Income Helped Us Reach Financial Freedom - with Kelly Smith<\/title>\n<meta name=\"description\" content=\"Kelly Smith shares how living on 50% of her income has helped her achieve huge financial goals. 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