Recommendations for speedmaster purchase

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Likely not what you want to hear, but taking out of a 401(k) for anything, let alone for discretionary items, sounds like a very ill-advised idea.

If the likelihood that you won't be around to spend it later arises, your math sort of changes.
 
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If the likelihood that you won't be around to spend it later arises, your math sort of changes.
Hope it’s nothing too serious - my MIL is a big fan of the book Die Broke