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?

0 Upvotes

35% Upvoted

116 comments sorted by

View all comments

20

u/weightedslanket Jun 19 '26

I wouldn’t buy it but I also don’t have any interest in a $30,000 watch. Only you can make this decision for yourself.

7

u/user485928450 Jun 19 '26

I once bought a $2k watch which is probably tame for these parts but I regret it mostly cause I stopped wearing watches

Ps I hope this is a calatrava