Throughout her come-up, though, Dunlap says some of the things she chose to spend money on were fairly consistent — even if she could have saved more by cutting back.
"It means that my spending is reflecting my values and my hard-earned money is going to the things that I actually love."
Fellow self-made millionaire and bestselling author Ramit Sethi calls it the "money dial" approach.
It allows him to "spend extravagantly on the things I love, but cut way back mercilessly on the things I don't," he told CNBC Make It last year.
"If I tell you, 'never spend money, never step foot in a restaurant,' that doesn't work, that's not sustainable, and frankly, it's not fun," she says.
Persons:
Tori Dunlap, hasn't, Dunlap, TJ Maxx, She's, Ramit Sethi
Organizations:
New York Times, CNBC