By Can I Afford It · How we calculate this
These are the costs most worth checking against your income before you commit, precisely because they are optional. A recurring membership is easy to start and easy to stop noticing.
Up-front costs here run from about $95 (cooking class) to $20,000 (private jet charter). Recurring costs run from about $40 a month (airport lounge membership) to $7,000 a month (jet card membership).
Typical national prices, not quotes. Financed payments are principal and interest at each item's usual down payment, rate and term, before tax, fees and insurance. 3 of these have a full calculator; any of them can be checked against your income.
| Item | Typical cost | Per month | |
|---|---|---|---|
| Airport lounge membership | $40/mo | $40/mo | Check it |
| Antique | $1,500 | One-time | Check it |
| Bespoke suit | $3,000 | One-time | Check it |
| Boat club membership | $300/mo | $300/mo | Check it |
| Concert tickets | $250 | One-time | Check it |
| cooking class | $95 | One-time | Check it |
| Country club membership | $400/mo | $400/mo | Calculator |
| Designer clothes | $500 | One-time | Check it |
| Designer sneakers | $800 | One-time | Check it |
| Designer sunglasses | $350 | One-time | Check it |
| Fine art | $15,000 | One-time | Check it |
| Fine dining experience | $300 | One-time | Check it |
| First-class flight | $6,000 | One-time | Check it |
| Golf membership | $250/mo | $250/mo | Check it |
| Handbag | $2,000 | One-time | Check it |
| Jet card membership | $7,000/mo | $7,000/mo | Check it |
| Jewelry | $1,000 | One-time | Check it |
| Luxury hotel suite | $2,000 | One-time | Check it |
| music lessons | $200/mo | $200/mo | Check it |
| Private club membership | $350/mo | $350/mo | Check it |
| Private island rental | $20,000 | One-time | Check it |
| Private jet charter | $20,000 | One-time | Calculator |
| Season tickets | $3,000 | One-time | Check it |
| Spa day | $250 | One-time | Check it |
| Spa membership | $150/mo | $150/mo | Check it |
| supper club membership | $120/mo | $120/mo | Check it |
| theme park annual pass | $430 | One-time | Check it |
| Watch | $800 | One-time | Calculator |
| Wine cellar | $8,000 | One-time | Check it |
| Yacht charter | $15,000 | One-time | Check it |