Reply to My wife wants a $8,000 handbag. Please help!

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Reply to "My wife wants a $8,000 handbag. Please help!"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]S/O question - what is the minimum HHI/NW/working situation that would allow the purchase of this handbag or another big unnecessary item?

I have a high HHI/high NW and still have a lot of guilt about spending $ on myself, which is a personal hang-up. Always nice to know what amount would red-light it. [/quote]

I think this is impossible to answer   Everyone spends money on frivolous things.  I know some people that prefer to live in a small simple house, no car, no vacations, so that they can wear designer clothes because that brings them joy.  Some people might spend 8K on a vacation, or towards a more expensive car or they like to go to concerts or whatever.  I think what’s important is to decide your budget for frivolities and then decide which frivolities bring you most joy.  
The problem with OP’s situation is that it reads like this is probably just one of a list that also probably includes designer clothes, a nice car, vacations.  He should sit down with her and decide what they can cut from their budget to afford an 8K purse.  Maybe she wants to skip vacation this year, or can commit to buying no new clothes for herself for the rest of the year, or they can reallocate their dinner out budget.  But it sounds like this expensive is about 5% of their after tax income so should not be spent thoughtlessly. [/quote]

It's not just one's own personal budget alone that determines what's frivolous or not. It's one thing to have enough income that one doesn't have to or want to settle for the absolute cheapest (and possibly shoddiest) accessories on the market. But even if I were a billionaire, I'd have a hard time spending 8k on a purse given how little access some people have to basic necessities. Also, the research shows that people attain longer-lasting satisfaction from experiences, especially when they bring people together, than from material things. In any case, someone supporting a family of four on an income of 250k definitely doesn't have 8k to spend on a purse. [/quote]

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