Save or Splurge? 🧐 A classic black penny loafer is the fall wardrobe staple — polished, timeless, and quietly luxe. I own the splurge pair, and they truly are that beautifully made, but this Target version gives such a similar look for a fraction of the price. Save: A New Day “Phyllis” Penny Loafer ($45) — sleek, lightweight, and memory-foam cushioned. A perfect affordable option for every day. Splurge: Christian Louboutin Penny Loafer ($995) — the pair I own and love. Gorgeous high-shine leather, structured shape, and elevated detailing that feels classic and investment-worthy. Both give that chic, preppy, quiet-luxury vibe — so would you save or splurge? ✨ LTKShoeCrush LTKSeasonal LTKFindsUnder50
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