I am so glad I already bought so many pretty things. If I had waited years due to indecisiveness or other expenses such as travel, home improvement, etc., I would not have such an incredible collection. While my kids were young, I was able to reset e-ring twice, get an eternity wedding band, many high-end watches, and a few Cartier bracelets. But now with 1 in college, 1 not far behind, both of whom are driving (extra cars and insurance) and a daughter approaching teens - no extra funds for big purchases. I highly recommend saving when the kiddies are young! I am so glad I did.