I have mortgage loans to pay.
I have to serve monthly loan instalments.
Technically I am in debt.
So whatever I earn I have to pay to the bankers first as they are the secured creditors.
So only if I have pay off all my mortgage loan I am free and the money earn technically belong to me.
So I can say that I buy watches above my income.

Thinking of this then I resort to this motto. "We Live Once What The Heck Just Pull The Trigger" and don't feel guilty about it
