In Discussions, For Beginners, Money, Wealth

What’s the one thing that would make you feel rich?

Inspired by Todd’s post on American Debt Project, he lists out the 4 things that would make him feel rich, and I thought I’d share what would make me feel rich(er).

Let me be clear that I already feel rich.

Who wouldn’t with my current lifestyle?

Plenty of time to laze around (worked less than 50% of my career so far), 6-digit savings in the bank and the first number is not a “1” (although the way I am going I am not sure how long this will last)… I’d be a downright fool to feel otherwise.

I don’t worry about money, I don’t worry about time, and I stress very lightly about finding another contract, but deep down inside, I know I am all right, and that kind of mental security is something that even millions can’t buy for some folks.

Still, the question made me think because I wondered what it would take to make me feel richer than I already am now, and the #1 thing that popped into my mind is:

Letting myself take a cab once in a while.

You’re going to roll your eyes, because how can a girl who spends over a grand on a trench coat, and countless thousands of dollars on clothing each month (read: all my spending posts), feel like she can’t take a $20 – $30 cab to get home?


It’s because I psychologically cannot bring myself to spend that money for what I deep down, feel like is a frivolous expense.

An expense that will not last or give me lasting satisfaction, but leave a bill in its wake.

I don’t drink, so it’s not even a question of my having a car (which I don’t) and having to take a cab home for safety (which I would do), but it’s more that I know it costs $2.65 per Toronto TTC token, or sometimes “free” because I have a monthly Toronto metropass, and to send $20 – $30 just to get home 40 minutes earlier, doesn’t settle well in my stomach.

It’s sheer laziness and convenience to me, which in fact, is the definition of luxury.

The laziness to be able to spend money that I will never see again after 40 minutes which sounds silly, but at least in clothes, I can wear my money over and over again, and if I got a facial or a massage, I would feel the difference in my skin and my body for weeks afterwards.

I just can’t spend that money because I feel like I am not yet rich enough to take a cab, but it also begs the question: when will I ever be rich enough to allow myself to mentally take a cab?

The answer is if I have tens of millions in the bank, and if I were out late one night (late for me, being past 8 p.m.), I would give in once in a while and indulge in a cab ride home.

Kind of reminds me of former Spice Girl Geri Halliwell taking private cabs and cars around the city of London for 17 years, which to me, would really be the ultimate luxury (a driver!!).


  • Getting a weekly massage and facial — $300 a week, AT LEAST
  • Going into a store and buying absolutely everything I desire — Believe it or not, I actually hold myself back when I shop 😛
  • Having gourmet meals made daily for me by a private 5-star chef — Although my partner is a great chef, he sucks at making ethnic cuisines on demand or at all because the smells are too strong for him

What are some things that would make YOU feel rich?


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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. maria@moneyprinciple

    My perfume; I like Bulgari and it is not cheap. Even during the debts of debt (which is now all paid off) I had my perfume.

    1. save. spend. splurge.

      Oh that’s a good one! Scent is a big thing in our lives.

  2. CorianneM

    This is fun to think about! A housekeeper cause I don’t like cleaning. I love to cook though, so I don’t really want a personal chef! 🙂 I’d really like a dishwasher though (that’s a bit more realistic 😉 ).

    And well, the financial freedom to do whatever I want is definitely what would make me feel rich.

    And as for cabs, I only take them in the night. I have really great public transport, with the metro station exit literally 15 meters from my front door, so I always feel safe going home by public transport. After 00:30 or so the trams and metros stop going, so then I take taxis, though usually it costs in between 10-15 euro. Living in the Netherlands, I could easily take my bike, but especially in the night on weekends there are lots of drunk people on the street, some thinking that suddenly shouting certain things at you is ok… and usually not a lot of people live my way and I’m by myself, so I’d much rather take a taxi home if I can’t take the tram/metro anymore. It’s a little luxury, but one worth paying for.

    1. saverspender @ save. spend. splurge.

      Cleaning annoys me as well but I don’t want anyone to use chemicals or weird things, which might make me a weirdo.. plus I’m always wondering how clean they really are if it isn’ their home. I don’t mix towels for instance — something to wipe on the floor, I never use it to wipe the counter afterwards.

      I don’t stay out late enough to take cabs, although I would if I had to (such as in the situation you described).

  3. Sense

    …if I could fly first class. The rest of my life would remain much the same, though I would also love to hire someone as my chef/maid/PA!

    1. saverspender @ save. spend. splurge.

      Have you ever been in first class? I flew once in my life (no choice, was the only seat left) and while I enjoyed the larger seats, and space for my little legs, the food wasn’t any better.. 😛

  4. Rich Uncle EL

    Traveling whenever I desired too.
    Buying a home with cash
    Opening up an educational foundation for college students.

    1. saverspender @ save. spend. splurge.

      Buying a home in cash is on my list to do. I’m loathe to take out a mortgage.

      I like your third one too — opening up an educational foundation.

  5. debtfreeoneday

    Not having consumer debt would make me feel a bit richer! Being able own my home outright and not have to worry too much about bills would make me feel considerably wealthy!

    1. saverspender @ save. spend. splurge.

      One day, your time will come!

  6. ArianaAuburn

    I don’t think I would feel rich because of my anxiety issues with money. In fact, if I do feel that way, then my behavior would change and would risk my relationships with people. I’d rather feel peace than excess wealth any day.

    1. saverspender @ save. spend. splurge.

      Oh I see. That’s a good point..although I would rather be too rich than too poor.

  7. Erin @ Red Debted Stepchild

    Besides being debt free, I would feel rich if I could comfortably save 15% for retirement, save another 10-20% in general savings and investments, and still live my life. It’s not a super sexy definition of rich, but that would make me feel pretty loaded to bank 25%-35% with ease.

    More fun things:
    – Definitely the chef AND a housekeeper! Cooking and cleaning is not my thing — but lack of clutter and eating are!
    – A few weeks of international traveling each year. None of this Air BnB and packing lunch crap either, I want a 4 star hotel and nice ass restaurants.
    – The ability to stay home with future kids if I so choose. I have no idea if I would even want to do that, but I want the freaking option.

    Sadly, even far into debt and living in a studio, I feel richer than so many people I know. I have a great life, I don’t live paycheck-to-paycheck anymore, and I have the luxury of being able to give full-time freelancing a go. Seeing my mom struggle with not even being about to afford gas to get home some days, I feel rich.

    1. saverspender @ save. spend. splurge.

      Oh a housekeeper. That would be nice if I wasn’t such a freak about my stuff….

  8. cj

    Mochimac!!! A fun question! Being debt free would be a great start. Feeling perfectly comfy taking 2 weeks + at a time off from work would be great too. We are getting there on both fronts.

    Cabs are great after a few pints and most of the drivers are very friendly and entertaining. Have a wild one!!!

  9. Lisa E. @ Lisa Vs. The Loans

    Ooh, gourmet meals by a private chef is a good one!

    For me, not worrying about the tab when I’m out with friends will make me feel rich.

    1. saverspender @ save. spend. splurge.

      Another good one. I’m feeling more grateful by the minute.

  10. matthewchat

    What would make me feel rich is to not need to keep a budget for day to day expenses.

  11. Tania

    I think if the cost of the cab is less than the benefits derived (i.e. time) than you’d take it. If you were running around for a contract perhaps and lost time equals lost money. And oh yes for safety. I sometimes miss living in a city where it’s easy to take mass transit.

    I don’t know what would make me feel rich but I do know I don’t wish for most of the trappings many do when they imagine being rich. I’d still want to live in a small space for example and have no desire to have a wildly expensive luxury car. One thing I do fantasize about though is having a pied a terre in Honolulu. A small apartment (one bedroom or studio) with a good pool/outdoor area and a small kitchen stocked with wardrobe and other essentials. So, I could travel back and forth between islands with no luggage! Essentially be a resident of two places. I had this for awhile when I first moved to Maui as my place wasn’t built yet here and I still had my lease in Honolulu. So, I was staying in my folks’ extra room and left most of my belongings in Honolulu. Literally started my new job on Maui and moved to Maui with one suitcase and shipping my car on the barge. Used to fly back once a month to Honolulu with just a handbag, it was so great.

    1. saverspender @ save. spend. splurge.

      I don’t take cabs even on contracts if I am the one footing all the expenses because when I get to the office, I bill longer, which means that I just have to get up earlier and take the bus.

      Unless the client pays (then the cost is $0) I don’t cab.

      YEAH! Another residence, except I would feel like it’s so wasteful.. like I am paying 50% for a second place I don’t even use. 😐

  12. Michelle

    I would feel rich if I could travel the world. Also, being able to visit my family more often, without having to worry about my day job!

    1. saverspender @ save. spend. splurge.

      Time 🙂 Time is a good way to feel rich.

  13. eemusings

    Personal chef for sure. Or more realistically, being able to grocery shop and buy whatever I wanted without thinking about the price.

    1. saverspender @ save. spend. splurge.

      I do that, although I do hold myself back when I see organic raspberries at $6 a pop.

  14. AdinaJ

    To feel financially secure (well, more secure than now), a paid-off mortgage would be a nice start. To feel rich, I would have to be able to never look at a price tag again. Because that would mean that money was not an issue. But I think I need to work on feeling rich/secure NOW; I worry a disproportionate amount for our actual situation.

    1. saverspender @ save. spend. splurge.

      If I had a mortgage I’d want it cleared too.. I consider it debt, although I plan on buying my home in cash.

  15. tomatoketchup

    Having enough invested in my retirement and non-retirement accounts to indefinitely draw 3% per year for living expenses and travel without having the principal drop. Plus, affordable health care coverage (currently difficult in the U.S., but hopefully easier in the coming decade).

    With these 2 things, even if I chose to work, no employer would ever have any power over me to do something I did not want to do. That is true freedom.

    1. saverspender @ save. spend. splurge.

      Those are good, hard, concrete points. You’d need millions in capital for that, in something safe so that it doesn’t dip!

  16. Jane Savers @ Solving The Money Puzzle

    I fell in the bath tub today and banged a few body parts pretty hard. If I felt rich or at least financially secure I would call in sick to work today and stay home and rest my sore parts.

    1. saverspender @ save. spend. splurge.

      You’re like a freelancer then — no hours, no pay. I hear you. I hate getting sick while on contract.

  17. Liliana

    Having a small house with a yard would make me feel very rich.

  18. SarahN

    Weirdly, I used to be like you with cabs, but then lived in a dodgy area, and it was the only option after night classes, and as a function of other costs, not that much!

    So, I think I’d feel rich when I could use any ATM to get money out – I refuse to waste $2-5 on fees! But then I’d also feel rich is I could ALWAYS fly business class, wow my one time was luxury! I’ve got to say, like you, life’s pretty good!

    1. saverspender @ save. spend. splurge.

      I don’t even take cabs on contract if I am paying. I can’t stomach it.

      I also don’t like paying fees either but I rarely take out cash, so this one is less important for me, as I use my credit card all the time like a debit card.

      Business class however, is nice. The seats are big and you have legroom… but I could do without all the crap they feed you which I don’t eat anyway.

  19. Tammy R

    Hello Mochimac!

    I would feel rich if I could:
    -pay off my mortgage in one cash payment
    -buy plane tickets anywhere in the world without having five planning meetings first
    -having someone else color my hair!

    1. saverspender @ save. spend. splurge.

      This is why I plan on buying my home in cash.


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In a nutshell…

Save. Spend. Splurge.
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