I got cold feet on Perlee clover bracelet (how would you justify your VCA purchase)

[Mali_]

Thank you @yurmanlover @Chanbal and @Mali_ for your advice.

I was reading another thread few days ago about this bracelet by a person, who was older and seems more successful financially than I am, longed it for a while but still hesitant to buy because of her early retirement. It got me to rethink about my purchase whether it is impulsive and emotional decision. I had experienced that things got old even though I once loved them so much (like my love bracelet and Chanel etc.) I am afraid what if one day this bracelet becomes so plain, no longer wanted... and more importantly what if I regret my 30K purchase.

I also know substitutes never be satisfactory and eventually I will be ended up spending more and leaving with unwanted goods. Nonetheless I am not sure for now so should not get it yet. What can I say, VCA is truly dangerous!!!

Agree with you 100% - if you’re not sure, don’t buy it. If income is an issue, pre- and post-retirement, don’t buy it. I’m of the opinion that we shouldn’t have regrets that we can avoid, especially where we have control. And here you do.

We all have to look at this world through our own unique and individual prisms - some can lean back on trust funds, inheritance, etc. to head for the retirement exit early. Others have to work to get to that level of stability where they can comfortably feel ready. Either way, planning is paramount. I know for example that I have to purchase wants over the next 3-4 years while I’m still working as my house and community will be my oasis as soon as I retire. I’ve been very fortunate to have lived and worked (and purchased items/furniture -LOL) on 6 continents for over 20 years (starting in my mid-20s) so post-retirement travel outside the country for me is not a consideration. Understanding compounding, savings always was foremost. Volunteering on community level projects and enjoying the comfort of my home will be paramount. And I’m so ready. As women, we eventually tend to make the right decision, based on our unique situations. And you know yours.

 

[Coconuts40]

You mention subsitutes are never satisfactory, and you are right!! I purchased several VCA bracelets but always wanted the perlee clover, but I couldn't justify the price. Once I finally purchased my perlee clover, I felt completely satisfied with my collection. My SA emails me once in a while with new offers but I just feel so happy with my modest collection, I have very little desire to add more VCA. My motto has always been quality over quantity. I also believe in capsule collections. I don't care if I am seen with the same jewelry on repeat over my lifetime, they become signature pieces.

 

[EpiFanatic]

I’ve thought about retiring early but financially cannot and in many ways am glad for it. I’ve seen how some people stop using their brains and I’m type A enough that I need to stay challenged or I get antsy and may spend my money unwisely. I’m a bit better off out there making money than spending it, so I heartily agree with @DS2006. With regard to your bracelet I kinda feel the same way about the VCA perlee pave bracelet. I love it and can wear it casually but do I need it? My other stone vintage five motifs are sufficient to give me a thrill every time I wear them so I will see if that ever wears off. I will wait until I get closer to retirement and see if I still love it, at least another 5 years. And to justify a $15k purchase, I just ask myself how much will I wear it. If it’s at least several times a week, I’m in.

 

[BigAkoya]

Hi! My input is based on your FIRE comment. Most who follow FIRE aim to save $1M-$2M and then retire. I have read about couples living off $40K a year in their 40s. Great concept, but I also read these people shop discounts and count pennies. If they can do that, great. However, I think that is too little annual income for a luxury spender. At 4% withdraw off the $1-2M, that is around $40K-$80K annually. You have to think if you can really live off $40K-$80K at age 55 and still enjoy the pleasures of VCA, Cartier, Hermès, Chanel. This doesn’t include eating out, travel, or even basics like a new luxury car. In my opinion, early retirement is not to cut back on life and be frugal. Retirement is to enjoy life, travel, splurge... all because you have earned it and you can!

Retiring at age 55 is great if you have saved enough to live the current lifestyle you now live. If yes, then get the bracelet now because your finances say you can. You will be able to enjoy the bracelet that much sooner!

Hope that helps. Good luck with your decision!

 

[lynne_ross]

Hi! My input is based on your FIRE comment. Most who follow FIRE aim to save $1M-$2M and then retire. I have read about couples living off $40K a year in their 40s. Great concept, but I also read these people shop discounts and count pennies. If they can do that, great. However, I think that is too little annual income for a luxury spender. At 4% withdraw off the $1-2M, that is around $40K-$80K annually. You have to think if you can really live off $40K-$80K at age 55 and still enjoy the pleasures of VCA, Cartier, Hermès, Chanel. This doesn’t include eating out, travel, or even basics like a new luxury car. In my opinion, early retirement is not to cut back on life and be frugal. Retirement is to enjoy life, travel, splurge... all because you have earned it and you can!

Retiring at age 55 is great if you have saved enough to live the current lifestyle you now live. If yes, then get the bracelet now because your finances say you can. You will be able to enjoy the bracelet that much sooner!

Hope that helps. Good luck with your decision!

I have never heard of FIRE.
Just looked it up. Interesting concept.
OP - I believe you answered you own question - you are unsure about the bracelet and you are unsure about the financial aspects - so wise to not buy. This is coming from someone who owns this bracelet and absolutely loves it and wears it daily.

 

[wisconsin]

I believe in working but still enjoying life while working.
Retirement is never guaranteed.
I am going to plan financially for retirement but I will not put off travel, jewelry fun stuff till then.
That’s what my husband and I decided. But we plan to work into our sixties at the very least.

 

[jyyanks]

I’m probably in the minority but if you have wanted this bracelet for awhile and it’s going to bring you joy, than buy it while you still have an income. You can always sell it at a later date if you need the funds or it no longer works. Life is short. You can plan for a lifetime but you don’t know what will happen. God forbid something happens and I don’t make it to retirement age, at least I know I was able to enjoy the little things. I’m not suggesting being fiscally irresponsible but if you have the money, and this bracelet will make you happy, then buy it now and enjoy it. While every little bit does make a difference, it won’t break or make your retirement plans so enjoy life now. You saved for it and you earned it.

 

[VandaOrchid]

It sounds like you are hesitant so I would definitely wait and think it over for such a big purchase. However, it doesn't mean you shouldn't get it down the road, especially if you make a plan to hit some financial goals along the way.

Importantly, you mentioned that your lifestyle/environs have changed recently as have some of your priorities as you look toward possible early retirement. Can you still see yourself wearing the bracelet at least 1-2x/month, if not weekly? If so, perhaps wait just a year or two, when you've accumulated more play money and also hopefully put a bit more away in savings or paid down debts. This will also give you adequate time to think. If bracelet still makes your heart sing in a few years, get it and enjoy wearing it often now and into retirement! I totally think it's possible to wear the perlee clover frequently, it all depends on your personal style.

 

[Sakong]

It sounds like you are hesitant so I would definitely wait and think it over for such a big purchase. However, it doesn't mean you shouldn't get it down the road, especially if you make a plan to hit some financial goals along the way.

Importantly, you mentioned that your lifestyle/environs have changed recently as have some of your priorities as you look toward possible early retirement. Can you still see yourself wearing the bracelet at least 1-2x/month, if not weekly? If so, perhaps wait just a year or two, when you've accumulated more play money and also hopefully put a bit more away in savings or paid down debts. This will also give you adequate time to think. If bracelet still makes your heart sing in a few years, get it and enjoy wearing it often now and into retirement! I totally think it's possible to wear the perlee clover frequently, it all depends on your personal style.

Thank you for your advice. Your question occurred to me to look back my daily life in last six months and I found I had zero occasion requires this bracelet (or at least I think I need to wear it). My last job was very traditional environment and everyone wears Max Mara, Celine, and Givenchyish but no “brand bag” (Chanel and Hermes are only after hour accessories). Also Cartier and VCA were popular since we all wear a uniform-like suits and jewelry is good complementary for simple wardrobes.
In last six months, I traveled to two different countries and went to few Michelin restaurants but I only wore my daily watch and earrings. I enjoy more down to earth wardrobe now (like solid cashmere and jeans) than formal outfits and this is big portion to affect to my hesitation

 

[eternallove4bag]

Hi VCA lovers,

I got cold feet on the WG Perlee clover bracelet... and need some advice.

Few years back, I was looking for a statement piece of diamond earrings which I can grow old together for my 5th anniversary. I studied and tried Cartier, Piaget, Bulgari, and Chaumet. I got my Alhambra and love bracelet in my 20s and enjoyed them everyday, but time had passed and they were no longer special for me anymore. Therefore VCA was not in my consideration. Then, one day I ran into a lady who elegantly wore YG vintage pave. She was 60s and was picking up her grandkids from the clinic. After 2 months of tumbling (but fun) debate between VA vs. frivole, I got my earrings and love them everyday (I was 50/50 on both, but my DH prefers VA since frivole seems too feminine to my outfit).

After I got my earrings, I got my radar on bracelets. Again researching and trials on Cartier, Piaget, and VCA.. I liked Perlee clover bracelet the most so started working on budgeting. I have finite budget, roughly 30K per year for my play money. It should cover clothing, girls’ out and etc. I have saved over two years and was planning to get it for my birthday next year.

Then my life got changed a lot... I used to live/work in a very hectic place, everyone is dressed up and works long hours. Now I live where everyone is outdoorsy and low key. I don’t work long hours anymore, I don’t eat out that often as I used to (found the charm in cooking), and adjust to the slow and quiet suburb life. Now my husband and I start discussing about FIRE and hope to retire in early 50s (I am turning to 40 next year) and I got concerned about my next big purchase. Do I need this bracelet, does it worth the money, should I get a watch instead, etc.

Until last year, I bought stuffs because I believe I deserve them. I used to buy Chanel in every season. I once had 20ish Chanel bags but sold most of them (now down to two). My friends entered Hermes world while I chose jewelry but now I can’t get rid of the second thought. Maybe it is just because of the price... I have never spent this big for one item. Maybe deep inside I think it is out of my reach.

Anyway I defer my plan to the 10th anniversary (which is in 2022). I still admire the bracelet, but does it suit me... should I get a diamond watch instead…(for the bigger bang for the buck)?

Thank you for reading such a long anecdote and really appreciate your input.

Anything that costs so much money and is giving you second thoughts is better left at the store. Buy only once you are 100% sure. I don’t think jewelry pieces are needs. Now, ‘want’ is another story. The heart wants what it wants. If the perlee clover bracelet has your heart, buying any other substitutes like the diamond watch won’t suffice. You will still want the bracelet even if you get the watch. So, take your time before you decide on getting anything. At first, I struggled with the price tag of the perlee clover bracelet too. Thoughts like ‘would it suit my low key life’, ‘was it appropriate for work?’ flitted through my mind too. But once I decided that I could incorporate the piece in my daily life and wear it to death, suddenly the cost per wear didn’t seem daunting. Needless to say once I got my bracelet I haven’t looked back nor stopped wearing it for even a day. Wishing you the very best in your decision.

 

[xxjoolisa]

I know this post was dated back two years ago. I wanted to check if OP bought the bracelet because I kinda want to purchase it. I am in my early 30s, but you guys make me think about my retirement plan in my 60s...

I adore the VCA Perlee clover bangle for a while, it was my first VCA piece which i wanted... but then i went on to buy Cartier love paved and a few vintage alhambra... now love VS need. That's a good question, so I hope to know if OG's bought it

 

[eletons]

Hi VCA lovers,

I got cold feet on the WG Perlee clover bracelet... and need some advice.

Few years back, I was looking for a statement piece of diamond earrings which I can grow old together for my 5th anniversary. I studied and tried Cartier, Piaget, Bulgari, and Chaumet. I got my Alhambra and love bracelet in my 20s and enjoyed them everyday, but time had passed and they were no longer special for me anymore. Therefore VCA was not in my consideration. Then, one day I ran into a lady who elegantly wore YG vintage pave. She was 60s and was picking up her grandkids from the clinic. After 2 months of tumbling (but fun) debate between VA vs. frivole, I got my earrings and love them everyday (I was 50/50 on both, but my DH prefers VA since frivole seems too feminine to my outfit).

After I got my earrings, I got my radar on bracelets. Again researching and trials on Cartier, Piaget, and VCA.. I liked Perlee clover bracelet the most so started working on budgeting. I have finite budget, roughly 30K per year for my play money. It should cover clothing, girls’ out and etc. I have saved over two years and was planning to get it for my birthday next year.

Then my life got changed a lot... I used to live/work in a very hectic place, everyone is dressed up and works long hours. Now I live where everyone is outdoorsy and low key. I don’t work long hours anymore, I don’t eat out that often as I used to (found the charm in cooking), and adjust to the slow and quiet suburb life. Now my husband and I start discussing about FIRE and hope to retire in early 50s (I am turning to 40 next year) and I got concerned about my next big purchase. Do I need this bracelet, does it worth the money, should I get a watch instead, etc.

Until last year, I bought stuffs because I believe I deserve them. I used to buy Chanel in every season. I once had 20ish Chanel bags but sold most of them (now down to two). My friends entered Hermes world while I chose jewelry but now I can’t get rid of the second thought. Maybe it is just because of the price... I have never spent this big for one item. Maybe deep inside I think it is out of my reach.

Anyway I defer my plan to the 10th anniversary (which is in 2022). I still admire the bracelet, but does it suit me... should I get a diamond watch instead…(for the bigger bang for the buck)?

Thank you for reading such a long anecdote and really appreciate your input.

Congratulations on your anniversary.
It seems that you're enjoying the quiet and relaxing lifestyle.
It really depends on your social circle when it comes to luxury items whether you wear them often or not, if you use them often and it's really what you like then go for it.

Right now, after knowing how real the VCA fakes look, I will slow down collecting more Alhambra or vca brand.

Focusing on watches seem to be a good idea, I am sure that many members here have collection of both vca and watches but for priority, I will select watch first.

For the watch brands, will avoid Rolex as it's not a low-key brand, when it's not low-key, I don't get the laid back feel. I will choose A Lange & Sohne, Breguet or Patek Philippe.

Edit: what's more, the movement of a watch cannot be faked, normally for authenticity, people just open the back and look at the movement of the watch and movement is the tell tale sign when it comes to determining fake or authentic watches.

It's just my opinion. With time, I am sure you will choose what's best for you.

 

[clcat120]

I think you may be itching about that bracelet every time you see it if you don’t get it… at least that’s me. I like solid and high quality pieces that preserve value well. I think the Clover will be one of those comparing to some other in a similar price range. But I’m still in my mid-30’s, and retirement is not in my head at the moment. So I cannot give recommendations based on the financial aspect. It may not hurt to wait a bit as I think the luxuary goods price hikes will be more measured than the past 2 years, but I may totally under estimate our collective spending power! you can also get over 2% annual interested in some saving accounts now, and I won’t be surprised the rate will go up again this year.

Lastly, I’m still not sure if you can buy one right away. I think the Clover may still be on a “wish list” order that you cannot even put down a deposit as the wait is so long in the North Americas? If so, maybe you can always get on the wish list and decide on a purchase later?

I unfortunately paid my WG one in full in March, and I am still waiting. I was told there is barely any Perlee Clover in NA by my SA as of yesterday. So I decided that I want another bracelet soon. I opted for a solid vintage C De Cartier piece that has more gold, more diamond, and at a half of the price of Perlee or Love. Still yet to receive and bring to Cartier to service though.

 

[DeryaHm]

My general feeling is if you are asking yourself “will this affect my retirement” it probably will and you probably should not buy the thing. As someone who did retire in their 40s, I’d say a good indication you’re ready is that you can buy what you need and want for a happy life, whether that is a clover bracelet or something else, without asking yourself if it will affect your retirement.

 

[Rockysmom]

I think if you are planning on retiring early you shouldn’t buy expensive jewelry. My grandma ate through 100’s of thousands of dollars living in a nursing home so you never know. Also retiring early means you need even more money to live on later.