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how much should you spend on an engagement ring
10-21-2022, 08:54 AM
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#61
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Originally Posted By Kraken⏩
Let me break this down for the mathematically illiterate. When you buy jewelry you are pay far far above the cost of the raw materials. if you sell it for the raw materials you wont get **** even if gold appreciates 5x in value. People spending big money on jewelry dont want a commodity, they want a customized luxory item they can flaunt to their peers. If you want to speculate/invest on price changes in gold and diamonds, jewelry isnt the way to do it chief.So which is it, the value of the diamonds and gold goes down, or she is looking for a fast and easy way to sell it?
10-21-2022, 08:55 AM
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#62
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Originally Posted By Muzzlrpress⏩
ThisHowever much you want. It will have absolutely zero bearing on your actual marriage.
My wife and I spent 200.00 at Walmart 17 years ago. I haven't worn mine in like ten of those years due to work.
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10-21-2022, 08:56 AM
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#63
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Originally Posted By donblaximus⏩
Totally subjective but imo the brand itself is the only real pro (again, very subjective)Im interested what the pros after purchase might be?
her friend asks where I got it from, she answers “Tiffany”
Some people are going to think “what a dumbass” but I think a lot would think “legit”
It depends what stock you put in that type of stuff (ded fkn Srs)
I’m not saying I agree with this line of thinking, I’m still formulating my POV lol
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10-21-2022, 08:56 AM
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#64
Originally Posted By northernlights7⏩
There are too many factors to make such an absolute conclusion. Time of year, market variables, economic stability, inflation…all play a role. Inflation is what causes diamonds to go up on value the most. Again, making the pawnshop argument is a straw man.It's the diamonds themselves that are drastically overpriced.
90% of the money she gets back when she sells it during the divorce process will be from the gold bands.
Also, you do not know what the term "investment" means.
90% of the money she gets back when she sells it during the divorce process will be from the gold bands.
Also, you do not know what the term "investment" means.
A high quality diamond will increase in value more, but the amount of people you can sell to will be less, which means, more time to sell. Using the argument that women are high in trait neuroticism, also plays a role.
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10-21-2022, 09:00 AM
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#65
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Originally Posted By RealLifeAlpha⏩
I can see where you are coming from....I had to ask because most people i hang with dont ask thoe kinds of quesitons. Most of those people associate quality with name.....vs other details but I totally get where they are coming from.Totally subjective but imo the brand itself is the only real pro (again, very subjective)
her friend asks where I got it from, she answers “Tiffany”
Some people are going to think “what a dumbass” but I think a lot would think “legit”
It depends what stock you put in that type of stuff (ded fkn Srs)
I’m not saying I agree with this line of thinking, I’m still formulating my POV lol
her friend asks where I got it from, she answers “Tiffany”
Some people are going to think “what a dumbass” but I think a lot would think “legit”
It depends what stock you put in that type of stuff (ded fkn Srs)
I’m not saying I agree with this line of thinking, I’m still formulating my POV lol
For me, I would rather wear a super high quality piece of clothing from someone nobody has ever heard of vs paying extra for same quality with a name on it. But I understand that is MY choice and value definition.
10-21-2022, 09:01 AM
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#66
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As far as investment goes — it’s definitely a depreciating asset IMO (ded fkn Srs)
There will always be outliers - but I imagine 95% of engagement rings will lose 66%+ of resale value
There will always be outliers - but I imagine 95% of engagement rings will lose 66%+ of resale value
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10-21-2022, 09:02 AM
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#67
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Originally Posted By RealLifeAlpha⏩
The easiest way to get over this in your mind is to associate ZERO monetary value to the item once it is purchased. Anything else is upside.As far as investment goes — it’s definitely a depreciating asset IMO (ded fkn Srs)
There will always be outliers - but I imagine 95% of engagement rings will lose 66%+ of resale value
There will always be outliers - but I imagine 95% of engagement rings will lose 66%+ of resale value
If you have to factor in residual value on a diamond engagement ring into your purchase to justify affording it (not saying you are bro)....you should probably be looking at spending less
10-21-2022, 09:03 AM
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#68
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biggest scam in all of history. I spent 13k - my wife DGAF, she'd have been happy with a $500 ring, but I was hoodwinked back then. I'm constantly aware-ing my son and daughter that what a scam the diamond business in. Get a moissanite or worst case lab-grown.
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10-21-2022, 09:05 AM
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#69
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Spent 6k on it. Enough to get something nice but not gaudy. It really comes down to personal financial situation, but engagement rings are pretty stupid so only spend more if you’re baller status financially and NOT because you’re feeling pressure to.
Other pro tips:
- buy online isn’t tacky at all, she won’t know difference. If she does (it has to be at Tiffany’s!) then you should dump her anyways. A diamond is a diamond, and online will save you 10-20% because you aren’t paying for some chain shops advertisements
- go slightly down in size. Ex. A .9 carat instead of 1.0, or 1.9 instead of 2.0. You can get big savings here and the difference isn’t visible to the untrained eye
- learn all that Cs stuff and find something you like that reaches a decent threshold across all. Different people have different values though.
I think you can be frugal, without being cheap. Part of logic is that a engagement ring should financially hurt. If you buy your girl a 1k ring but she sees you every month spending 5k on car parts or whatever then that’s a bad look. But if you’re financially starting out and live very frugally then a 1k ring might have a ton of meaning.
I spent 6k on mine , was making just around six figures at the time. But am a massive cheap ass so that number still hurts like hell because I never spent that much ever on anything for myself.
Other pro tips:
- buy online isn’t tacky at all, she won’t know difference. If she does (it has to be at Tiffany’s!) then you should dump her anyways. A diamond is a diamond, and online will save you 10-20% because you aren’t paying for some chain shops advertisements
- go slightly down in size. Ex. A .9 carat instead of 1.0, or 1.9 instead of 2.0. You can get big savings here and the difference isn’t visible to the untrained eye
- learn all that Cs stuff and find something you like that reaches a decent threshold across all. Different people have different values though.
I think you can be frugal, without being cheap. Part of logic is that a engagement ring should financially hurt. If you buy your girl a 1k ring but she sees you every month spending 5k on car parts or whatever then that’s a bad look. But if you’re financially starting out and live very frugally then a 1k ring might have a ton of meaning.
I spent 6k on mine , was making just around six figures at the time. But am a massive cheap ass so that number still hurts like hell because I never spent that much ever on anything for myself.
10-21-2022, 09:07 AM
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#70
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Originally Posted By RealLifeAlpha⏩
Look, bud. I'm just gonna go ahead and say it.Totally subjective but imo the brand itself is the only real pro (again, very subjective)
her friend asks where I got it from, she answers “Tiffany”
Some people are going to think “what a dumbass” but I think a lot would think “legit”
It depends what stock you put in that type of stuff (ded fkn Srs)
I’m not saying I agree with this line of thinking, I’m still formulating my POV lol
her friend asks where I got it from, she answers “Tiffany”
Some people are going to think “what a dumbass” but I think a lot would think “legit”
It depends what stock you put in that type of stuff (ded fkn Srs)
I’m not saying I agree with this line of thinking, I’m still formulating my POV lol
If you're trying to marry a woman that obsesses over retarded bullchit like "being able to tell her girlfriends he went to Tiffany's", then have fun being broke your entire life for as long as you are with her.
I know the misc is full of CEO hustlers who make $10k /day, and another $10k when they are sleeping at night, but set that aside from a moment. The fact of the matter is, people who say chit like "I spent $8k on my wife's wedding rings when we were first married, then 'upgraded' to a $30k ring for our 10 year anniversary" are always broke. Why? Because rich people don't get rich by spending $ out the assss on bs luxury items that are overpriced 10 - 20x what the raw materials are actually worth, and it's always forever broke retards who actively brag about how much money they spend on chit in general.
10-21-2022, 09:08 AM
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#71
10-21-2022, 09:09 AM
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#72
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Originally Posted By MyBaddBrah⏩
Absolutely mouth breather take. But keep living for others so you can get a pat on the head and think other people care about the car you drive, the brand of your clothes, your job title, etcPeople that don't give a fuk about what others think generally don't move up in the world.
Good way to end up miserable and in debt with zero fulfilling interests or hobbies.
But you do you
10-21-2022, 09:11 AM
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#73
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Originally Posted By northernlights7⏩
But how do you know $30k is "spending out of the arseee" for that said poster?Look, bud. I'm just gonna go ahead and say it.
If you're trying to marry a woman that obsesses over retarded bullchit like "being able to tell her girlfriends he went to Tiffany's", then have fun being broke your entire life for as long as you are with her.
I know the misc is full of CEO hustlers who make $10k /day, and another $10k when they are sleeping at night, but set that aside from a moment. The fact of the matter is, people who say chit like "I spent $8k on my wife's wedding rings when we were first married, then 'upgraded' to a $30k ring for our 10 year anniversary" are always broke. Why? Because rich people don't get rich by spending $ out the assss on bs luxury items that are overpriced 10 - 20x what the raw materials are actually worth, and it's always forever broke retards who actively brag about how much money they spend on chit in general.
If you're trying to marry a woman that obsesses over retarded bullchit like "being able to tell her girlfriends he went to Tiffany's", then have fun being broke your entire life for as long as you are with her.
I know the misc is full of CEO hustlers who make $10k /day, and another $10k when they are sleeping at night, but set that aside from a moment. The fact of the matter is, people who say chit like "I spent $8k on my wife's wedding rings when we were first married, then 'upgraded' to a $30k ring for our 10 year anniversary" are always broke. Why? Because rich people don't get rich by spending $ out the assss on bs luxury items that are overpriced 10 - 20x what the raw materials are actually worth, and it's always forever broke retards who actively brag about how much money they spend on chit in general.
The more you talk the more you look and sound mad/silly.
The OP is a level headed dude that makes a decent living. For him to at least consider tiffany is not crazy. Im not saying Tiffany is where I would buy a ring.....but he's not me.....but i would be willing to bet the dude wont drop more than he can comfortably afford for most people's average definition of afford. Hence why he is asking these questions to gain perspective.
10-21-2022, 09:13 AM
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#74
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Originally Posted By Kraken⏩
Investments are things you buy that have a reasonable possibility of either appreciating enough, or being used for business purposes enough in a way that makes you a profit for the money you initially spent.There are too many factors to make such an absolute conclusion. Time of year, market variables, economic stability, inflation…all play a role. Inflation is what causes diamonds to go up on value the most. Again, making the pawnshop argument is a straw man.
A high quality diamond will increase in value more, but the amount of people you can sell to will be less, which means, more time to sell. Using the argument that women are high in trait neuroticism, also plays a role.
A high quality diamond will increase in value more, but the amount of people you can sell to will be less, which means, more time to sell. Using the argument that women are high in trait neuroticism, also plays a role.
You can't apply that concept to a depreciating asset like a diamond that is 100% guaranteed to lose chit tons of value the instant you buy it lol.
You're the type of guy who buys a giant assss pickup that gets ~8 mph in town to use as his daily driver even though he only uses it to haul a camper and a boat about 5x total a year, then tells his buddies "it's an investment, because I really, reaaaaaaally wanted one, guys!"
10-21-2022, 09:13 AM
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#75
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Originally Posted By northernlights7⏩
yeah I agree with you for the most partLook, bud. I'm just gonna go ahead and say it.
If you're trying to marry a woman that obsesses over retarded bullchit like "being able to tell her girlfriends he went to Tiffany's", then have fun being broke your entire life for as long as you are with her.
I know the misc is full of CEO hustlers who make $10k /day, and another $10k when they are sleeping at night, but set that aside from a moment. The fact of the matter is, people who say chit like "I spent $8k on my wife's wedding rings when we were first married, then 'upgraded' to a $30k ring for our 10 year anniversary" are always broke. Why? Because rich people don't get rich by spending $ out the assss on bs luxury items that are overpriced 10 - 20x what the raw materials are actually worth, and it's always forever broke retards who actively brag about how much money they spend on chit in general.
If you're trying to marry a woman that obsesses over retarded bullchit like "being able to tell her girlfriends he went to Tiffany's", then have fun being broke your entire life for as long as you are with her.
I know the misc is full of CEO hustlers who make $10k /day, and another $10k when they are sleeping at night, but set that aside from a moment. The fact of the matter is, people who say chit like "I spent $8k on my wife's wedding rings when we were first married, then 'upgraded' to a $30k ring for our 10 year anniversary" are always broke. Why? Because rich people don't get rich by spending $ out the assss on bs luxury items that are overpriced 10 - 20x what the raw materials are actually worth, and it's always forever broke retards who actively brag about how much money they spend on chit in general.
The girl is not very materialistic at all - doesn’t mean I wouldn’t want her to be “proud” of the ring or that she’s immune to the opinion of others
This purchase isn’t make or break for me and I feel pretty good about our compatibility when it comes to frugality and spending (ded fkn Srs)
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10-21-2022, 09:14 AM
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#76
Diamond engagement rings are the longest ongoing ruse in modern history.
This was a scam perpetrated by a guy named Oppenheimer and was funded by the Rothschild family. Take from that what you will.
Don't fall for the bullchit.
If you want to do an engagement ring, use a cheaper, more perfect lab created diamond or sapphire and save your money for a down payment on a house.
This was a scam perpetrated by a guy named Oppenheimer and was funded by the Rothschild family. Take from that what you will.
Don't fall for the bullchit.
If you want to do an engagement ring, use a cheaper, more perfect lab created diamond or sapphire and save your money for a down payment on a house.
Misc Entrepreneur Crew
10-21-2022, 09:15 AM
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#77
Originally Posted By northernlights7⏩
Ok, you made some talking points, now prove it.Investments are things you buy that have a reasonable possibility of either appreciating enough, or being used for business purposes enough in a way that makes you a profit for the money you initially spent.
You can't apply that concept to a depreciating asset like a diamond that is 100% guaranteed to lose chit tons of value the instant you buy it lol.
You can't apply that concept to a depreciating asset like a diamond that is 100% guaranteed to lose chit tons of value the instant you buy it lol.
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10-21-2022, 09:15 AM
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#78
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Originally Posted By northernlights7⏩
Lol yep. And you can’t outearn a wife who is spend crazy. I have numerous friends from grad school who have high powered careers (investment banking, corporate law, management consulting, etc) who are stressed all the time financially because of that lifestyle approach.Look, bud. I'm just gonna go ahead and say it.
If you're trying to marry a woman that obsesses over retarded bullchit like "being able to tell her girlfriends he went to Tiffany's", then have fun being broke your entire life for as long as you are with her.
I know the misc is full of CEO hustlers who make $10k /day, and another $10k when they are sleeping at night, but set that aside from a moment. The fact of the matter is, people who say chit like "I spent $8k on my wife's wedding rings when we were first married, then 'upgraded' to a $30k ring for our 10 year anniversary" are always broke. Why? Because rich people don't get rich by spending $ out the assss on bs luxury items that are overpriced 10 - 20x what the raw materials are actually worth, and it's always forever broke retards who actively brag about how much money they spend on chit in general.
If you're trying to marry a woman that obsesses over retarded bullchit like "being able to tell her girlfriends he went to Tiffany's", then have fun being broke your entire life for as long as you are with her.
I know the misc is full of CEO hustlers who make $10k /day, and another $10k when they are sleeping at night, but set that aside from a moment. The fact of the matter is, people who say chit like "I spent $8k on my wife's wedding rings when we were first married, then 'upgraded' to a $30k ring for our 10 year anniversary" are always broke. Why? Because rich people don't get rich by spending $ out the assss on bs luxury items that are overpriced 10 - 20x what the raw materials are actually worth, and it's always forever broke retards who actively brag about how much money they spend on chit in general.
It’s not just she wants to tell her friends he went to Tiffany’s (whatever that means). She will want to tell her friends she got married at X expensive location. She will want to show her friends her Y brand new model car. She will want to tell her friends the kids go to Z private school and that they are vacationing at XYZ exotic location this year and live in ABC neighborhood and wow a peloton ad I want one of those and so fourth
All of this comes from a need to show off which comes from insecurity. Yes this is the misc and yes I’m sure there’s people worth multiples of me that can write those big checks without breaking a sweat, but most people that get sucked into that stuff are 100% suckers.
Warren Buffet once said two things matter equally to your ability to build wealth. Your job, and your wife. Getting a high maintenance woman is setting yourself up for a miserable life.
10-21-2022, 09:18 AM
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#79
Imagine following the DeBeers guidelines lmao.
Diamonds hold no value. Whatever you feel like spending, cut it in half. Also matters if you wife is on SS bulk or LTC. I wouldn’t spend anything over 4k or so.
Diamonds hold no value. Whatever you feel like spending, cut it in half. Also matters if you wife is on SS bulk or LTC. I wouldn’t spend anything over 4k or so.
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10-21-2022, 09:18 AM
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#80
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Originally Posted By donblaximus⏩
70% of Americans currently live paycheck to paycheck.But how do you know $30k is "spending out of the arseee" for that said poster?
The more you talk the more you look and sound mad/silly.
The OP is a level headed dude that makes a decent living. For him to at least consider tiffany is not crazy. Im not saying Tiffany is where I would buy a ring.....but he's not me.....but i would be willing to bet the dude wont drop more than he can comfortably afford for most people's average definition of afford. Hence why he is asking these questions to gain perspective.
The more you talk the more you look and sound mad/silly.
The OP is a level headed dude that makes a decent living. For him to at least consider tiffany is not crazy. Im not saying Tiffany is where I would buy a ring.....but he's not me.....but i would be willing to bet the dude wont drop more than he can comfortably afford for most people's average definition of afford. Hence why he is asking these questions to gain perspective.
Who is more believable, a guy who is realistic about that, or a typical $20k /day miscer who acts like money is just toilet paper to them without ever giving any proof? Notice how the self-proclaimed misc richcels won't even tell you how much money they have on the basis of us just taking their word for it lmao. It's the equivalent of saying you banged a hot sexy chick while providing zero evidence.
10-21-2022, 09:21 AM
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#81
BTW, keep in mind, low quality diamonds won’t see much appreciation. They don’t have as much scarcity. High quality diamonds will see much more due to their scarcity. As mentioned before, it might just take longer.
Most people own low quality diamonds.
Most people own low quality diamonds.
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10-21-2022, 09:22 AM
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#82
Originally Posted By leoaa777⏩
De Beers is a monopoly. They literally control the market value based on production and output. They have more control over low quality diamonds than high quality.Imagine following the DeBeers guidelines lmao.
Diamonds hold no value. Whatever you feel like spending, cut it in half. Also matters if you wife is on SS bulk or LTC. I wouldn’t spend anything over 4k or so.
Diamonds hold no value. Whatever you feel like spending, cut it in half. Also matters if you wife is on SS bulk or LTC. I wouldn’t spend anything over 4k or so.
One party system; Most Republicans are Democrats, but no Democrats are Republicans.
Hayek and Mises were right; they're all socialists.
"To Call something fair or unfair is a subjective value judgment and not liable to any verification" Ludwig Von Mises
10-21-2022, 09:22 AM
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#83
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Originally Posted By northernlights7⏩
Only on misc do you:70% of Americans currently live paycheck to paycheck.
Who is more believable, a guy who is realistic about that, or a typical $20k /day miscer who acts like money is just toilet paper to them without ever giving any proof? Notice how the self-proclaimed misc richcels won't even tell you how much money they have on the basis of us just taking their word for it lmao. It's the equivalent of saying you banged a hot sexy chick while providing zero evidence.
Who is more believable, a guy who is realistic about that, or a typical $20k /day miscer who acts like money is just toilet paper to them without ever giving any proof? Notice how the self-proclaimed misc richcels won't even tell you how much money they have on the basis of us just taking their word for it lmao. It's the equivalent of saying you banged a hot sexy chick while providing zero evidence.
- have guys in 30s talking about multi millions net worths
- same guys talking about their 3 plate bench and 10% body fat
- same guys complaining about how hard it is to get a woman/ laid
Lol wut
10-21-2022, 09:23 AM
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#84
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Originally Posted By northernlights7⏩
But some people have provided evidence along with the fact that i dont need to see a paystub if you pay attention to details.70% of Americans currently live paycheck to paycheck.
Who is more believable, a guy who is realistic about that, or a typical $20k /day miscer who acts like money is just toilet paper to them without ever giving any proof? Notice how the self-proclaimed misc richcels won't even tell you how much money they have on the basis of us just taking their word for it lmao. It's the equivalent of saying you banged a hot sexy chick while providing zero evidence.
Who is more believable, a guy who is realistic about that, or a typical $20k /day miscer who acts like money is just toilet paper to them without ever giving any proof? Notice how the self-proclaimed misc richcels won't even tell you how much money they have on the basis of us just taking their word for it lmao. It's the equivalent of saying you banged a hot sexy chick while providing zero evidence.
If you asked most people what the LP640 feels like at 7k RPM in second gear feels like, they wouldnt be able to accurately explain it. Only people that have driven that car or own that car could tell you with accuracy.
Sort of like algining with someone on what the beach smells like....but the other person has never actaully been to the beach. You can discuss what you have read in books or seen in movies, but you would never be able to describe or understand that smell.
Its like the "bags of sand" joke in 40 year old virgin.
So yes while most americans live pay check to paycheck, not all do. And because I know where OP is coming from, i know certain perspectives given here (not just by me) can help.
And if its certain forms of proof you are seeking.....i know people that bet more in one hand then the upper range of rings being discussed here.....https://i.imgur.com/19LtvJL.jpg
Is that enough for you or let me guess....you want to see a bank statement right?
10-21-2022, 09:24 AM
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#85
- FarmersSon
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- FarmersSon
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You're getting some good advice; I don't have much to add other than try to figure out what she wants. Some women care how much the ring costs and would feel a little bad talking to friends about her ring if hers cost the least in her friend group. Other women would feel self-conscious with a massive rock on their hand and would worry about losing or damaging it. Similarly, some men would feel embarrassed if their wife had the lowest cost ring.
I'm wired more to worry about loss and damage versus not spending enough, but I get it that some people care about those things. I also understand that a lot of money to one person might not be a lot of money to another. I spent less than most in this thread, but it was a lot of money to me 20 years ago. My wife still loves it. I know you're a HVM so dropping some money on a ring is no big deal for you, but even if you can, spending a bunch might not be the best depending on what you and your girl value.
I'm wired more to worry about loss and damage versus not spending enough, but I get it that some people care about those things. I also understand that a lot of money to one person might not be a lot of money to another. I spent less than most in this thread, but it was a lot of money to me 20 years ago. My wife still loves it. I know you're a HVM so dropping some money on a ring is no big deal for you, but even if you can, spending a bunch might not be the best depending on what you and your girl value.
MFC
10-21-2022, 09:26 AM
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#86
- Cleveland33
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I spent $165 and she loves it
10-21-2022, 09:27 AM
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#87
- Silencespeaks
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Post deleted by user
10-21-2022, 09:28 AM
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#88
10-21-2022, 09:30 AM
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#89
- Cleveland33
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Originally Posted By lockdev⏩
I would say do NOT go with a fake diamond unless you talk it over with the woman first. She may get it appraised for insurance purposes and they will find that it is not a real diamond and then she'll be pissed.Diamond engagement rings are the longest ongoing ruse in modern history.
This was a scam perpetrated by a guy named Oppenheimer and was funded by the Rothschild family. Take from that what you will.
Don't fall for the bullchit.
If you want to do an engagement ring, use a cheaper, more perfect lab created diamond or sapphire and save your money for a down payment on a house.
This was a scam perpetrated by a guy named Oppenheimer and was funded by the Rothschild family. Take from that what you will.
Don't fall for the bullchit.
If you want to do an engagement ring, use a cheaper, more perfect lab created diamond or sapphire and save your money for a down payment on a house.
Another option is to buy a used engagment ring - there was a website for them but they are on ******** as well. Then have a jeweler remove the diamond and put it in a new setting for your finance. Let someone else eat the depreciation and the settings are cheap
10-21-2022, 09:32 AM
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#90
Zero
Srs
If a woman is your best friend and a **** buddy, she should be smart enough to not crave such stupid shiet as rocks. Otherwise you shouldn’t be with her at all.
Money is for investing, steak, Tesla, and bill paying, not for idiotic manufactured fraud like some rocks from the ground.
Srs
If a woman is your best friend and a **** buddy, she should be smart enough to not crave such stupid shiet as rocks. Otherwise you shouldn’t be with her at all.
Money is for investing, steak, Tesla, and bill paying, not for idiotic manufactured fraud like some rocks from the ground.
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