It's a pretty simple question, but the answer varies for everyone. I told myself once I started making a legitimate income, I'd put 10% away for luxuries. I have a lot of money saved up (in the thousands) already, and I frequently eye the pricy articles on the Saks 5th Avenue website. I recently found a pair of Montblanc gold-plated cuff links for about $360 ($515 at retail). Should I?