In Money

Don’t think about it as making money, it’s saving money!

When I work, I never really think of it as ‘making money‘.

I think of it as: ‘making money to save‘.


For me, it’s a simple way of thinking about my money being earned to be saved, not spent.

If I think of it as “making money” it’s like it’s already earmarked to be spent.

If I think of it as “saving money”, it’s as though every paycheque I get, has to be squirreled away after my basic needs are met.

I noticed the change in my mindset when I thought about what I felt when I was a student working minimum wage. I used to work long hours, making all of this money to spend, and I had nothing to show for it except for trinkets at the end of the day.

Instead, I am now working to make money to save, which has totally changed the way I look at my job and why I work.

On that note, I also don’t like receiving huge tax refunds (it means I overpaid somewhere), but when I did receive them because of tuition credits I had, I always put the money back into the retirement fund and/or savings.


So the next time you think about making money to spend, think of it as making money to save instead, and that little change just might make all of the difference.

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Sherry of Save. Spend. Splurge.

Millionaire at 36 after getting out of $60K of student debt in 18 months, a little over a decade earlier, using Since then, I have paid my $600K home in cash (my half was $300K), my $180K casr in cash, worked 50% of my career (taking 1-2 year breaks), and quadrupled my income within 2 years of graduating, going from $65K to $260K with an average lifetime savings rate of 50%. I could retire today if I wanted, but love my work-life balance as a freelancing consultant in STEM (Science, Technology, Engineering, Math). I am all about balance - between time and money, and also enjoying my money. I also post daily on Instagram @saverspender.

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  1. Erika B.

    Great post! I received a promotion at work and I plan to save whatever dollar amount my paycheck is increased. I’ve been living fine without it all this time, so I won’t miss it!


      oh yes đŸ™‚ It should be easy for you


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