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In the world of Save. Spend. Splurge.: Where this professor rocks

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Sherry of Save. Spend. Splurge.

Am my own Sugar Daddy. Am a millionaire at 36 after getting out of $60K of student debt in 18 months, a little over a decade earlier, using I have 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 have 11 side incomes that are on track in 2020 to make me $50K - $75K. 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

    Ok, I guess I’m the outsider that actually owns and wears a Pandora bracelet. It’s not something I picked out for myself, but something that my dad picked out for my mom and me several years ago. He likes to give us a charm to represent every country we’ve traveled to. For instance, we each have an Eidelweis charm for our trip to Austria. The charm reminds us of a funny story we heard while there that most non-Austrians presume that the Eidelweis song from the Sound of Music is the national anthem, but most Austrian natives have never heard it before. We’ve traveled to some off the beaten path places and enjoy finding charms that represent them. Oh and both my bracelets and charms are stamped sterling silver. I might be basic, but my travels are anything but.


      That is so sweet!! I can see how it is a nice sentimental item them. I just look at them in general and think: Hmm.. no. But if there’s a story….

  2. Revanche

    When I still watched TV with real commercials, I would openly and loudly boo Pandora. I hate charm bracelets and the BS marketing tactics they use totally made me hate them more 🙂

    Thanks for the links!


      Charm bracelets for me are tacky but if they have a true story.. why not?

  3. SarahN

    I can’t STAND Pandora, and Thomas Sabo is a similar brand – when I was in Paris most recently, I wanted to replace the non silver one I’d had. My, the number of times I got directed to the tatt! Where was a decent jeweller with real silver!

    The shirting material heels – they’d get ruined with me! For sure!


      I don’t like fussy items..

  4. raluca

    Pandora is the absolute epitome of “special snowflake” syndrome. As in : “I will buy these charms because I have an unique personality that needs to be expressed by having an assorted line of sparkly things. And look, as I go through life and things happen, I can add even more sparkly things to forever remember them. Because those things happened to me and nobody else ever experienced anything similar”. Except the other suckers who bought the exact same charm, because really, almost everyone who goes to Paris also sees the Eiffel tower. (There is an Eiffel tower Pandora charm).
    I might be extra snarky today because I have low blood sugar, but I do believe that the things that are extra, super special in our lives don’t get any more special because we added a piece of metal to our writsts. And I believe that we have no trouble remebering our really good moments, because they were good moments. Pandora is really a way for middle class women to brag to each other: of all the amazing adventures they have seen. Also, to give their husbands a ready made gift idea. And they are expensive as hell, as they are not made of gold or silver (for most them). The ones that are made of gold or silver are super expensive.


      “I might be extra snarky today because I have low blood sugar… ”

      I love your comments. You make me laugh out loud so much that I’m afraid I’ll wake Baby Bun…

  5. AdinaJ

    Haha! I’ll take that as a compliment 😉

    Brooches are underrated at the moment, but they’re bound to make a comeback at some point. As a certified magpie, I can’t resist all that concentrated sparkliness.


      I’m starting to collect them now.


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In a nutshell…

Save. Spend. Splurge.
[ wealth. style. minimalism. ]


MOST DEBT: cleared $60K in 18 months

MONEY: Hit $1M personal net worth At 36

NEW GOAL: $1M in invested assets


HATES: being late & lazy people

SOCIAL: Instagram @saverspender

DRINKS: homemade matcha lattes

SLEEPS: on a 100% cotton U.S.-made futon

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