Luxury Watches vs. Index Funds on a Middle-Class Income: A Thought Exercise

Let’s say you’re making $60K–$90K. You like watches. You’re thinking about buying something nice—maybe a $3,000–$7,000 piece. But here’s a question:

What happens if you invest that money instead?

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1. The Reality of Middle-Class Luxury

For most people, a multi-thousand-dollar watch is a serious purchase.
If you’re putting it on a credit card, spreading it out with payments, or dipping into savings—you’re not alone. But it comes at a cost.

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2. Let’s Compare: $5,000 Watch vs…

Luxury Watches vs. Index Funds on a Middle-Class Income: A Thought Exercise