How high is the income to consume luxury goods?

What I want to say has little to do with income, but in my opinion, it is more important than pure income. (1) Before I was 25, I was 16 years old. When I was a freshman, I began to learn to covet those bags in my mother's cloakroom. I don't know the style, but I can read the trademark. There are all kinds of things. I said, mom, you have so many bags. Give me a back. At that time, my mother said something that I will remember all my life: "Girls should not carry designer bags until they are 25 years old. This is not a question of affordability, nor is it appropriate. " Come to think of it, no matter how we dress ourselves, girls before the age of 25 always have a youthful and immature face. Unless you are a person who is followed by paparazzi every day, carrying a brand-name bag implies three things: first, your parents are rich or you are kept in captivity, but you didn't earn it yourself anyway. Second, you like to show off at the same time. Third, it may be fake. Which of these three things do we want to stick on ourselves? If you really have financial strength and want to enjoy the small sense of accomplishment of being financially independent after work and being able to buy luxury goods by yourself, you might as well try some small things, such as wallets and belts, which are not too eye-catching, and can be regarded as self-reward. (2) When my mother told me that sentence the next day when I was 25 years old, my father added with a smile, "You used a brand-name bag, which really looks fake. Your mother uses a brand-name bag. Even if it is fake, others think it is true. " I fantasized about this picture in my mind. Indeed, even if one day I change my mother's real bag into a fake one, and she goes out with her back on her back, no one will question whether it is fake or not. In other words, it is normal for outsiders to let her use luxury goods because of her age, social status and economic income. At the end of last year, the Paris headquarters sent a regional vice president to inspect the company, a woman of about 45 years old. On the day she came, she held a meeting for everyone, and the room was full of people. Dressed in a suit, she stood on the stage at a distance, with a dark brown LV Capucines at her feet. The fabric is good, which goes well with her suit. I think this painting is beautiful because everything is reasonable. So even if I buy luxury goods after the age of 25, I will deliberately not bring them into the company. Because I am still a junior in the company, my salary can be seen through in the eyes of your boss and colleagues. Carrying a bag that does not match my income will only make others feel strange and will not give any recognition to my ability. This summer, I met an investment manager at Morgan Stanley. There is a customized version of Lady Dior on her desk, black and white, and a large piece of floral design is very atmospheric. It suddenly dawned on me that luxury goods are meaningful to some extent-proving your financial strength to customers, thus proving your working ability. But only if your job requires it. I once discussed with a good friend the best age for a woman. Maybe others think it's early twenties, but we think it's 3 1, 32 years old. At that time, women were beautiful, capable, attractive and temperamental, and they could properly control all kinds of brands you like. On the contrary, a little girl in her early 20 s feels strange about what luxury goods she uses. "No." Until today, my luxury goods are still very few, only used to "support the scene" on some important occasions that I occasionally attend, and there are few other opportunities. I may be able to afford more money than I do now, but I know it is not the right time, and I will wait patiently. Update and answer questions added by the subject. 1. Which brands are luxury goods for people who have just graduated and set foot on the job? What about 30 years old? What about 40 years old? (For example, some people classify MK/ Coach as luxury goods, while others classify B, C, D, P and L as luxury goods. I think no matter how you answer this question, you will be hacked. If it is based on their own economic conditions, it seems that there is nothing to say. Attach a principle that I think is still realistic. Many people say that it is reasonable to buy only classic luxury goods for novices. But at the same time, you should also have your own judgment, because not every classic model is suitable for you. So every time I decide to buy it, I will put it off for a long time to make sure that I really like it and it is really suitable before I buy it. After buying this way, I won't dislike it for a while, but it will still hurt. Should we save more money or eat, drink, and be merry? This question is another question that will be shot no matter how you answer it. I tried my best. Whether it's saving money or having fun, you can't be too extreme. None of us likes to live in poverty, and there is no entertainment at all. We live like ascetics every day just to save money. On the contrary, if you spend a lot of money without restraint, the moonlight clan will be unhealthy all year round. Save as much as you spend. My own method is to set a percentage between income and expenditure, and then record and track it with Excel. Percentage is more suitable for the situation of fluctuating income. If you earn more, you will be rewarded and motivated. If you can strictly control the implementation of this percentage, then your savings and enjoyment index will rise. You may need to explore the Excel table in the initial stage to see how it suits you best. But if your template is done and the formula is established, you only need to fill in a few numbers every weekend. 3. Do you have any financial advice for young girls who have just started working? First, plan your expenses. One of the things we usually do is spend a little money on the east and a little money on the west, each of which is not big, and then we panic when we check our credit cards/wallets. Where's my money … where's my money … As for planning expenses, you can plan all your usual expenses, and you can also plan the expenses of buying cosmetics, clothes and shoes. In the middle of this year, I made a statistic and recorded the clothes, shoes, bags and cosmetics I bought in the first half of this year by brand and category. Then I was shocked. What the hell am I doing? At the same time, I also found a rule. In fact, there are only a few brands you often buy, and there are only a few commonly used things. If we can implement it in a planned way, we can avoid a lot of impulsive consumption, and we will be disgusted after buying it for two days. Second, if you are going to start investing, start from scratch and focus on one area. When many people talk about investment, they directly think of diversification. Stocks, funds and real estate all come, and then they will rise if they are lucky, and lose if they are unlucky. Luck is not an investment, but a gamble. Now you don't understand the stock market, why stocks rise and fall, funds, how funds operate, the real estate market, the planning and the big economic environment, which is different from taking money to Las Vegas. Grandpa Buffett put it well, "Many people invest blindly, which is equivalent to playing cards all night to some extent, but they never see the cards in their hands clearly." "The fallacy of not putting all the eggs in one basket is wrong. Investment should put all the eggs in one basket as suggested by Mark Twain, and then observe carefully." Based on this, your investment strategy should be based on long-term learning. People's energy is limited. Focus on a small field and learn from scratch. After accumulating knowledge to a certain extent, start investing from a small amount, gradually learn market rules and economic trends, and then gradually increase the amount. How small is the small amount of gold? You can afford to lose half the principal. Finally, write another sentence. Women's financial quotient and economic independence are important prerequisites to determine our quality of life and confidence.