If I have extra money to spare, I won't buy anything like shoes or clothes. Instead, I will invest it (which is wiser, of course!)-- either on properties or buy gold coins. Buying gold coins is as good as placing money in time deposit. Aside from that, it is not hard to dispose it whenever you wanted to. A little bit of trivia, some people do not know that gold is used as the international monetary standard. That's why it's market value never depreciates. Nowadays, we have to learn to manage our finances so that we will be always ready for unexpected expenses. Better think of saving up now so that you can retire early.