Extremely wise words, presumptous or not! I also dont find your comments the least bit offensive

.
Hermes bags are indeed very expensive (Who are we kidding on this forum?) and people have built successful empires starting on less than what an Hermes bag costs. In some places, its an awesome downpayment for a house.
Perhaps you should have included a great "retirement plan" as well as an apartment/house.

.
If I cant pay my phone bill, it doesnt matter if my phone is sitting in an Hermes bag. If I have no place to stay, I certainly cant live in an Hermes bag.
It becomes a natural progression for ones accomplishments at a certain point, to be able to splurge on anything one chooses.
When one is completely secure, I find that negative comments from family or friends is practically non-existent. (At least, in my part of the world).
But then...I dont discuss my purchases with my family or friends. They can see my purchases but it is not open for discussion whether I can or cannot afford anything.
However, there's no telling with boorish strangers.