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In the world of Save. Spend. Splurge.: Where you should take this All-Canadian wealth test

How this family grows 6000lbs of food on 1/10th of an acre…    It is so inspiring and encouraging.

It is maybe juvenile.. and stupid.. but I want it anyway – a zodiac constellation necklace because.. I WANT ONE. Random, graphic, cool, simple… This version from BlueFly is also quite pretty and a bit more of a statement piece… and this version of a constellation is dark, deep and mysterious…. and the last one is this rectangle, modern style constellation necklace.

Take the All-Canadian Wealth Test. If you’re lazy and/or you already know your net worth here’s the chart. In both situations, I/we am/are in the highest 20% of the population. O_o… it still sort of blows my mind.

If you are an unattached individual
Negative to $2,498: Bottom 20% of the population
$2,499 to $19,264: Lower-Middle 20% of the population
$19,265 to $128,087: Middle 20% of the population
$128,088 to $455,876: Upper-Middle 20% of the population
$455,877 and over: Highest 20% of the population

If you are in a family of two or more
Negative to $67,970: Bottom 20% of the population
$67,971 to $263,656: Lower-Middle 20% of the population
$263,657 to $589,686: Middle 20% of the population
$589,687 to $1,139,488: Upper-Middle 20% of the population
$1,139,489 and up: Highest 20% of the population

If you own any wool, cashmere or delicate items, I HIGHLY recommend buying The Laundress Cashmere Shampoo. I bought a bottle and use it on all of my items (gentle cold, delicate, NO DRYER) and my items come out fluffier and refreshed. It is the oil and sweat of your body that ruins your clothing and makes the cashmere/wool all bobbly. No need to dryclean either, saves me a ton.

Whoaaa.. I was such a huge fan of What not to wear back in the day, and I am very saddened to hear about Stacy London’s situation, although to be honest I am not really that surprised (celeb money binges don’t faze me any longer) and it is unfortunately very common even for use plebs… It’s a nice piece to read to give yourself a reality check. A nice wakeup call if you will. [ H/T to Xin for the link. ]

I broke and bought this Bose portable speaker that is super small, and is WATERPROOF (for real it is), and I could not be happier. Why did I wait so long!?

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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. Jeannie

    I read the Stacy London piece awhile back, it is a very sobering and honest piece of writing. How easy it is to spiral and have spending money as a reflex or a form of therapy.
    I am in the Upper-Middle 20% of the population for an unattached person. I remember that was the category my income fell into from another moneysense article too. So I guess my numbers fall in line nicely.

    1. Sherry of Save. Spend. Splurge.

      I very much appreciated London’s story. It gave me a reality check.


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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


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