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In the world of Save. Spend. Splurge.: Where your gut bacteria determines how fat or slim you are

Seriously! This blew my mind — apparently it’s your gut bacteria (microbiome), perhaps, along with your lifestyle and food intake that also determines how fat or slim you are. It’s not just metabolism…

I got this Bobbie Brown lip tint for free and it is such a soft, pretty colour…

A recipe to try for vegetable burgers in bulk, and then frozen for later… and I want to try these chickpea cutlets. They sound YUMMY.

A black turtleneck that is more than just a plain turtleneck, it has kind of cute cutouts on the shoulders that show some skin without showing too much skin.

Don’t make enough money? You may recognize one (or all) of these 4 traits in yourself as the reason why you can’t get ahead. I find this particularly seems to affect women who are far more likely to suffer from Imposter Syndrome. For some inspiration, an oldie but a goodie — how I negotiated a $30,000 increase in my job offer.

I still love every time I wrap this long blanket cashmere scarf around my neck, and feel super cosy and chic.

Fake bags are really hard to spot these days from the designers…especially if the factory where they’re doing the fake, is the same one as the authentic!

This pair of cockpit sunglasses are still my go-tos. They don’t touch my cheeks (to cause acne), and they sit perfectly on my nose.

If you start out in a relationship making very little or no money at all, and then suddenly BOOM start pulling in 6-figures, you have double the odds of getting divorced because of your promotion. Scary. It doesn’t work the other way though, if men make nothing and then suddenly start making cheddar, they become even more desirable.

The perfect city coordinates necklace…I am tempted to buy one.

Guys.. this is totally #RichPeopleProblems — there’s an Upper East Side Manhattan turf war breaking out over which restaurant to go to now. Honestly..? It’s a bit like being back in high school again, where you had cliques. *shudder*

I’ve always toyed with the idea of wanting to wear a two-in-one sweater and tailored shirt like this, but is that “trendy”..?

Hilarious Chrissy Teigen giving dating advice. ALL THE LOLZ.

I really, really love this lace dress from Self Portrait but cannot pull it off (straps are too skinny for my shoulders)

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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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Also, I am not a professional investment advisor or money manager by any means.

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.