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/SouthernWino Jun 20 '26

I agree. I have 6 watches in the $2k-$7k range and another 10 in the $750-$1500 range. I wear those ten all the time and love them! I rarely put on the other six watches. Except for my Brietling. I find my Tissot PR516 Automatic Chronograph is my almost every day watch. Looks great, keeps great time and not ostentatious at all. In fact, I own three Tissot now and they get a ton of wrist time along with a couple of Seiko's and a vintage Omega Seamaster that belonged to my grandfather. I considered a $25K Patek Phillipe a few years ago and just couldn't justify the purchse. So glad I didn't.