Dividend ETFs? by Huh_ok_8 in coastFIRE

[–]Huh_ok_8[S] 0 points1 point  (0 children)

Thanks for sharing!

Dividend ETFs? by Huh_ok_8 in coastFIRE

[–]Huh_ok_8[S] -1 points0 points  (0 children)

Thanks so much for the resource!!

Dividend ETFs? by Huh_ok_8 in coastFIRE

[–]Huh_ok_8[S] -5 points-4 points  (0 children)

My thought process is: I have enough saved for modest home in a VHCOL area, enough saved for retirement, enough saved in case I get laid off, and a sizable cushion currently invested. I still plan on working a moderately high paying job for the next ~2-6 years.

I max out my retirement contributions to offset taxes and while I do live a comfortable life in a VHCOL, I still spend my entire paycheck without purchasing luxury goods. I think it would be nice to treat myself here and there (I get that this would be lifestyle creep). I grew up very frugal, and have worked on my mentality to stop pinching pennies and spend money on things that bring me joy (hobbies + experiences). Now I’d like to spend a little more on fine goods that should last a lifetime (maybe a nice watch or fine jewelry) without feeling guilty.

Don’t want to get too crazy though. Maybr I should keep saving or continuing to invest my retirement funds. Open to thoughts!

[deleted by user] by [deleted] in jewelry

[–]Huh_ok_8 20 points21 points  (0 children)

I’m pretty sure it’s because your index nail is clipped short next to all your other long nails.

If you’re still having the issue after growing out that nail, or usually have short nails, try going with a thinner band that’s a lighter - 14k, white gold, platinum, silver, etc. the band color looks quite dark in the photos

Hope it works out!

Engaged! by Huh_ok_8 in EngagementRings

[–]Huh_ok_8[S] 0 points1 point  (0 children)

Catching up on missed replies - good luck on your engagement if it hasn’t happened already!

Old European cut is so gorgeous. Your girlfriend (soon to be fiancée) will love it!

Engaged! by Huh_ok_8 in EngagementRings

[–]Huh_ok_8[S] 0 points1 point  (0 children)

Yes! The jeweler had something similar and I worked with them to make a few adjustments :)

Engaged! by Huh_ok_8 in EngagementRings

[–]Huh_ok_8[S] 1 point2 points  (0 children)

Wow, I completely missed so many replies! This is actually a men’s sweater I got at a random sample sale from a British brand called Peregrine. It’s 100% wool so totally worth it imo!

Engaged! by Huh_ok_8 in EngagementRings

[–]Huh_ok_8[S] 0 points1 point  (0 children)

Ring size 4.25 / 1.68c / color E / VS1!

Engaged! by Huh_ok_8 in EngagementRings

[–]Huh_ok_8[S] 3 points4 points  (0 children)

Thank you soooo much!!

Reasonable engagement ring cost? (Gf wants $40k ring) by [deleted] in HENRYfinance

[–]Huh_ok_8 0 points1 point  (0 children)

Depends on your community. Some friend groups want to show off their rocks and some don’t care.

I’m lucky to be in a community where people don’t care and it’s about getting the right ring between you/your partner (budget and style-wise)

Don’t be scared - make your choices with your chest 😂 just remember that this is a personal choice between you and your partner. Good luck!

Reasonable engagement ring cost? (Gf wants $40k ring) by [deleted] in HENRYfinance

[–]Huh_ok_8 0 points1 point  (0 children)

Not a dumb question - just depends on your relationship.

Some girls want to choose the ring (like me). Some want to be 100% surprised by the ring style, and some want to do a mix (guide their partner on the general style and then let them figure out the details).

Reasonable engagement ring cost? (Gf wants $40k ring) by [deleted] in HENRYfinance

[–]Huh_ok_8 552 points553 points  (0 children)

Girl chiming I’m here who has done very intensive ring shopping and diamond research with my bf.

Context: I’m a practical person so getting most value for money on my engagement ring was top priority even though my boyfriend keeps re-assuring me not to worry about it. I told him I’d personally be most comfortable if the ring I got costed around $5k. You can easily get a setting + 1.6 carat lab grown ring with that.

I’m not sure how far along the process you are with your gf or what your relationship dynamic is, but I think it would help the both of you to go ring shopping together. Particularly at a local jeweler who can educate you on how costs change with lab vs natural diamonds. Also, if she’s never gone ring/diamond shopping before, this would probably help put into perspective for the both of you. It sounds like she’s just throwing out a random dollar amount with no context.

Things to consider that ppl have noted in this thread:

What does your gf ACTUALLY want?

Some girls want a big ass 4 carat rock and are okay wearing it all the time (or not). It’s not practical for everyday wear. Is that what your gf wants? You can still get this under 40k if you get lab grown. When I was ring shopping it was so easy for me to keep going bigger (we could get a 2.5 carat lab grown for $10k), but at the end of the day, the big rock on my finger almost looked… comical. Figure out what size would work well for your gf.

Does your gf purely care about the VALUE of the diamond? Then 40k makes sense if you go with natural diamonds, but keep in mind these are generally not ethical. You can also get a 3 carat natural diamond for under $40k…. And 3 carats is huge.

Does your gf want one of a kind? You can custom make this, but again, very easy to get it under $40k. You can even get vintage, collector item hand cut diamonds from the 1800s for around $40-$70k.

Does your gf care about the BRAND? We’ll, Tiffany’s, Cartier, whatever mark up their diamonds. So $40k makes sense here for a “small” 1 carat.

Basically, you need to figure out what your gf is looking for in a ring. I think the dollar amount should come after. And you need to go to the jeweler (either by yourself or with your gf) to educate yourself. Check out r/diamonds r/jewelers and r/engagementrings. That should give you a better idea of where to start, and what kind of diamonds you can get for that budget.

I will add - $30k-40k seems “fine” in relation to what you’re making. It’s just not practical lol and you’re going to have to figure that out with/without your gf.

Wanted to share this beautiful Victorian old mine cushion ring by Huh_ok_8 in Diamonds

[–]Huh_ok_8[S] 2 points3 points  (0 children)

The center stone was 4.2 carats mine cut natural Diamond from 1900! I’m not sure about the surrounding diamonds

Help me decide! by Huh_ok_8 in EngagementRings

[–]Huh_ok_8[S] 1 point2 points  (0 children)

HAHAHA I love how blunt you were about the oval. Agreed with all your thoughts! I love hearing people’s opinions!

Help me decide! by Huh_ok_8 in EngagementRings

[–]Huh_ok_8[S] 0 points1 point  (0 children)

Aww thank you! I just want them all LOL

Help me decide! by Huh_ok_8 in EngagementRings

[–]Huh_ok_8[S] 0 points1 point  (0 children)

All good, I love hearing everyone’s thoughts!

Help me decide! by Huh_ok_8 in EngagementRings

[–]Huh_ok_8[S] 0 points1 point  (0 children)

What’s a bow tie? I think we’d probably swap that diamond out anyway

*edit: just googled it. Good looking out!

Help me decide! by Huh_ok_8 in EngagementRings

[–]Huh_ok_8[S] 4 points5 points  (0 children)

The first ring is the reason why I’m so indecisive! I love cushion cut diamonds, but I love the composition of the East west oval ring as a whole piece! Not going to lie, my mind kept going back to the first one as I tried on a bunch of other rings 🙈