An amount of money diversely invested in the stock market can generate about 4% in return even with volitility (see Trinity Study). By buying a $4,000 couch, you are spending $3,500 more today than the Ikea alternative. $3,500 invested could be drawn down at $140 per year without invading principle. A new Ikea couch only costs $100&#x2F;year. You&#x27;re actually spending more (with opportunity costs) on the buy-it-once couch.<p>This is why I don&#x27;t buy nice furniture. (Also, I move too much, and it&#x27;s easier to sell and re-buy Ikea than paying to move heavy, well-built furniture).