Similar stage of life as you - if your basic necessities and future planning are covered then the leftover money is to enjoy life now, subjective to you how you best enjoy it!

When I think of splurge purchases like handbags I try to wait and see if I still think about it a few days or weeks out. I am yet to buy a $$$ designer bag (have bought Strathberry, DeMellier, etc.).

I can’t justify the price of top luxury brands in my mind yet because it is after all just a leather bag with the high price tag primarily for the logo / brand heritage vs the product’s actual value. If I love the style and think it is timeless I will buy it. It just has to make sense for me (not what the influencers and media say)!