10/16/2026
What does luxury look like to you?
I recently had a conversation with a friend who has been married for almost 35 years. She and her husband started planning and saving early in their marriage, and today they're in a position that gives them some choices. Her husband retired at 64, and she could retire now if she wanted to.
But with one child still finishing university and a lingering question of "What would I do with myself all day?" she's not quite ready to make that leap.
What I found interesting about our conversation wasn't really about retirement. It was how their definition of luxury has changed as they begin this next chapter of their lives.
When their children were younger, luxury looked like new bikes, summer camp and being able to put money away for the future. Today, they have bigger things they're looking forward to, including travel, weddings and perhaps helping with a down payment on a first home.
But some of the luxuries they're enjoying most are surprisingly simple. A towel warmer in the bathroom. A new robot that vacuums and empties itself. The freedom to decide on a whim to spend a weekend in the Florida Keys.
I loved that. After decades of working, raising a family, saving and planning, luxury isn't necessarily about bigger or more expensive things. Sometimes it's about convenience, comfort, a little spontaneity and having more choices about how you spend your time.
It reminded me that the things we value change as our lives change. What felt like a luxury at 35 may look very different at 65.
And that's something I think about in financial planning. The purpose isn't simply to accumulate assets or reach a particular number. It's to understand what matters to you and help build a plan that supports those priorities as they evolve.
Luxury looks different to all of us. And while our plans should reflect those differences, the importance of planning doesn't change.
So I'm curious. What's on your luxury list these days?