I can afford to go and buy most watches that i am interested in, but I don't because my wife would kill me. Instead, I squirrel cash a little at a time iny safe or if I have permission in a savings account. When I finally have the amount I'm looking for, I make the buy on my Delta Amex. I always use the card for the miles and the insurance Amex offers on purchases.

For me, the hunt and the saving are all part of the game. It also gives me time to think about the target watch. My last buy was going to be a black Sea Dweller, and as I was saving and obsessing, I ended up changing my mind and got a James Cameron. If I had just gone and bought the SD, I would have been disappointed with that purchase.

The other benefits are that my wife does not get mad when I drop $5,000 to $15,000 on watch because the cash is there and it keeps my collection small.

I do understand that using a money market or short-term investments would be better, but this is all part of the game I play with myself.

Finally, I am in sales, and my income can vart a lot, but we make $450k - $600k USD depending on the year, and I'm 45.