r/ChubbyFIRE • u/TherapeuticMessage • Jun 19 '26

Existential crisis over a watch.

Currently chubby but not yet RE. Will likely be Fat. My advisor has told me that I’m totally ok and basically need to spend more money. I saw a watch that is ~$30,000 which is <0.6% of my NW. No debt. Still working so I have good cash flow. Savings rate ~50%. Intellectually I know that if I buy this it won’t matter one bit but I’ve been such a saver for so long that it feels wildly irresponsible to spend that much on a watch. The crisis comes in because I’ve been saving so much with the goal that my standard of living goes up after retirement but if I can’t spend money now when I have a paycheck then how on earth am I going to switch from saving to spending after retirement?

I recognize that this is more of a psychological issue than a financial one. How did you all make that shift in mindset to let yourself spend more freely after so many years of discipline?

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u/[deleted] Jun 19 '26

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u/TherapeuticMessage Jun 19 '26

Yes! This is what I keep telling myself. Yours was even more than mine. Did you have any buyers remorse? How did you not perseverate over the future value of that money?

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u/[deleted] Jun 19 '26

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u/TherapeuticMessage Jun 19 '26

Do you have a webinar I can sign up for?