I know the answer to this but....WWYD?

Common sense would tell me the right answer and the right way to go. This is a money issue. I have the chance to buy a watch I really wanted and missed out on. It's not horribly expensive, about $400 or less. I'd be using credit (ofc) but would pay that back in about a month or so. This was a limited edition. Only so many made. Do I need it? No. Of course not. Do I want it? Oh yes. There will never be more made. Sure, probably someone else may sell one in the future when it makes more sense. But you're talking to someone who spent way too much for a rare LP, so obviously I listen to my id at times. Not an opportune time, as one of my dogs needed emergency surgery to the tune of $2200. I want it, but should I? Life was simpler before marriage, kids, dogs, career. Adulting is a roller-coaster. Obviously, I'm a moron.

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Go for it. Pay it back in a month or so.

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Davemcc

Go for it. Pay it back in a month or so.

I like the cut of your jib, young man. Of course, that's what I want to hear. But guilt was heavily ingrained growing up Catholic. Lol

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It only makes sense. It’s a limited piece and you may not be able to get one later. Now is time. The means of acquisition will not matter in two years time.

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Do you want permission from strangers?

OK. Get it.

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MrPsionic

Do you want permission from strangers?

OK. Get it.

Haha. Ludicrous, I know. Self inflicted guilt post purchase is stupid and unavoidable. Outside affirmation is dumb, but I was curious how others might handle it.

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One of the biggest dangers in this hobby is listening to the advice of strangers who always seem to willing to help you spend your money. Only you can make the decision based on your own personal financial situation.

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hasenfeffer

Haha. Ludicrous, I know. Self inflicted guilt post purchase is stupid and unavoidable. Outside affirmation is dumb, but I was curious how others might handle it.

Dude on here told me yesterday that I should get a Speedmaster with the previous version movement because “it’s a steal.”

I looked it up. His “steal” is $5K+.

Not everyone shares the same perspective.

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I've played that game... it's kind of a coin flip. On the one hand, missing out is a definite possibility. I wanted to pull the trigger on a Dan Henry 1972 (the Top Gun PVD one). Not too expensive at $350, and it sat in my cart for a couple of weeks. Kept telling myself I'd wait, as I had just had some other expenses come up. Well, they're still sold out and going for $$$ used.

On the other hand, a couple of years ago, I rushed to buy a Tissot T-race cycling edition, because it was a hard-to-find (at the time) colorway. But once I bought it, not only was it not quite what I wanted, I found it a couple of weeks later for $100 less. :/

Not sure what the moral of the story is, to be honest, lol, but the fact it's a limited edition would push me into the (responsible) credit purchase camp; just because of my Dan Henry experience.

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Well you might as well do the credit and get it. Adulting is a major rollercoaster. A couple of years down the road you may have another emergency. By then the limited edition watch has tripled in value. You could be trying to buy it at triple price or selling it at triple price for the emergency. A line of credit for a month doesn't sound so bad.

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No question.

Take care of your dog first. You might wish you hadn't spent the 400 should the pups surgery cost more than expected.

Remember that your loyal companion is a one of a kind.

Affordable LE watches aren't that big a deal and often show up on the pre-owned market.

Not so pets.

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What I want to know is how you get emergency surgery for your dog for $2200? Where do you live?

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Life was simpler before marriage, kids, dogs, career. Adulting is a roller-coaster. Obviously

So my idea is - there is only one you, SPLURGE!

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Glad you were able to get the emergency surgery! I would possibly take the perspective of: Would you have been able to get the surgery if you had just bought the watch? If a watch puts you in a potentially risky financial situation that conflicts with obviously more important priorities, then no, no watch is worth that. But if that’s not the case, if it makes you happy then yeah of course go for it! I feel like this answer couldn’t possibly have actually been helpful one way or the other, but I’m on break at work and am avoiding grading papers, so you got my attention, haha.

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IMO a watch is a non-essential luxury item, don't borrow money for non-essentials.

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If I was in the same place, I'd pass.

But I'm focused on the Grail and a $400 piece is outside of that focus.

YMMV

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Go for it.

I wish I didn’t have a holiday to pay for so I could get the Grand Seiko Omiwatari.

I’m missing out on a watch I would love, so please don’t you miss out too! Haha

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It's hard to get into trouble over $400. If it was $4000 I'd advise differently.

If you genuinely want it, and it's a good price, and it hardly ever comes up for sale, grab it.

In an absolute worst case scenario, you can always sell it.

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$400 is less than one cart at Costco and will bring you much more joy. If it was $4000 I would say pay your vet bill first.

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It’s just a watch. It’s not important. You’ll find another limited edition whatever in the future when you’re in a better financial space. Don’t let the noise get to you. FOMO is not a sound life philosophy to live by.

My two cents.

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Save $800 and buy it.

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Go for it. Life is too short, especially for $400.

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brunofrankelli

It’s just a watch. It’s not important. You’ll find another limited edition whatever in the future when you’re in a better financial space. Don’t let the noise get to you. FOMO is not a sound life philosophy to live by.

My two cents.

FOMO is just it, to a T. It's not a large sum, but the vet bill came out of nowhere. I'll likely find another down the road when it makes more sense.

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One I don't need. Upon reflection, is more FOMO than anything else.

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hasenfeffer

One I don't need. Upon reflection, is more FOMO than anything else.

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Glad to hear you didn't pull the trigger despite the encouragements. I was a little alarmed by the number of people saying go for it. I'm even more surprised that there were folks whose message essentially boiled down to "It's just 400 dollars. Go for it, live a little." Is 400 dollars really a nothing amount for Americans and first worlders? I have mixed feelings of equal parts envy and outrage, ain't gonna lie.

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It pretty much depends on how much you earn. I'm guilty of buying my Grand Seiko Kishun by loan for 12 months simply because of how hard it was to get one. I think I also ended up paying like $400 more. It's not easy. You never know when you need the money.

Then again, it was a rather expensive watch. So coming back to your question, if you can pay it back immediately end of the month then yes do it. But mind you limited editions really don't mean much.

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If you can pay back in a month go for it. Hell, even it takes 2 months.

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brunofrankelli

Glad to hear you didn't pull the trigger despite the encouragements. I was a little alarmed by the number of people saying go for it. I'm even more surprised that there were folks whose message essentially boiled down to "It's just 400 dollars. Go for it, live a little." Is 400 dollars really a nothing amount for Americans and first worlders? I have mixed feelings of equal parts envy and outrage, ain't gonna lie.

$400 won't break me, but losing it could still be painful. If I had zero debt, I'd be standing in tall cotton for sure. I didn't grow up poor, but there were times the wolf was at the door. As successful as I and my wife have been together, the wolf has at least visited the neighborhood.

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casiodean

Don't do it! Also, after the terrible disappointment that TGV caused for me exactly 4 years ago to the day, I wouldn't ever give him any money for anything ever again, and certainly not one of his Islander collaboration watches. You can get better and cheaper versions from San Martin any time.

Was this the previous Squale collaboration he did? I heard stories.

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hasenfeffer

$400 won't break me, but losing it could still be painful. If I had zero debt, I'd be standing in tall cotton for sure. I didn't grow up poor, but there were times the wolf was at the door. As successful as I and my wife have been together, the wolf has at least visited the neighborhood.

Where I'm from the wolves go through a revolving door in my household. There's always something. If it's not debt, there're typhoons. If you survive a month unscathed you would still probably lose money to help the other poor creatures in your family who are struggling. Most of my adult life I was one medical disaster away from absolute ruin, which is why when people treat 400 USD in such a cavalier matter I'm dumbfounded. 400 USD is what a reasonably successful person earns in a month in my country. I don't mean to virtue signal, I'm just shocked by the affluence I sometimes see online from westerners. It's no one's fault where they are born and one should not apologize for the financial success they've earned no matter where they came from. But still, 400 dollars should not be waved aside like it's nothing. Like you said, losing it could still be painful.

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I'm a do it now, regret it later (or not) kind of person. If the important things can still be taken care of, go for it.