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In the world of Save. Spend. Splurge.: Can an heiress be self-made?

Clean your phone. NOW. WIPE IT DOWN NOW. This is why.

This black turtleneck is everything I covet – bishop sleeves and cropped to wear with skirts.

I do NOT get the hype of this coat from Rent the Runway. I love a good pink coat, but this just looks… weird to me. Maybe I am too basic.

The myth of black women being golddiggers (e.g. rap and hiphop music) was a fascinating read. I don’t think I ever associated it with black women specifically, even though I listen to said songs, but to just a stereotype of most women regardless of age and colour.

I know this is a striped swimsuit, but this could be worn as an actual bodysuit, don’t you think?

Speaking of being rich — can an heiress really be considered self-made? And related to that article — The Denial Underlying Millennial Financial Resentment (via New Yorker – 3 free articles a month) was a good read.

This D&G floral printed skirt is far too sweet for me, but man look at the gorgeous detail on the flowers…

53% of Millennials (ages 21 – 37) expect to be millionaires one day or already are. ….What is more telling is that 70% of guys said this but only 38% of women, so I am in the minority, so to speak.

I am obsessed with the poppy flower and I feel like this is a pretty affordable print on a skirt. Or this one is very summery and fresh but I am slowly being turned off A-Line skirts at the moment.

I am sort of blushing as I am reading this because my goal this year is to have a personal net worth of a million and am in this group, I wrote about how I felt like a million did not even seem to be enough for retirement these days. I say this not because I was born with a silver spoon in my mouth, but just being realistic. If I were to take a million and try to retire today, I couldn’t. I would need two million. As I keep working, I will need to have less saved, and if I downgraded my lifestyle as well..

This could be the perfect black blazer replacement for my (slowly dying) black blazer….

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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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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

WRITES: Books (also available on Amazon).

BEAUTY: swears by Paula’s Choice


…but you can read more about me , browse my index of posts, or get in touch with me, talk to me directly on Instagram, and of course, ask me anything here.

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Save. Spend. Splurge. uses affiliate links from Shopstyle, and Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to or ShopStyle. In addition to these, any referrals on the page will result in revenue if used such as BlueHost.

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I am just a woman who loves money, talking about money, and making money.

All opinions expressed on this blog are personal and for entertainment value. Take them with a grain of salt and always consult a professional when in doubt.