Rolex 116613LB for a 20 year old

[Ticknaway]

Look at it from the perspective of " Opportunity Cost" you are 20 and only you're the judge of your situation. What will you give up to purchase this watch, an education, business opportunity? There is plenty of time to purchase a watch in the coming years so ask yourself if you could use those funds to achieve something else that will make you successful. That answer is only known to you. If it's not right now then so be it, but don't settle for something you don't care to have!