31 this year and just managed to hit the gold standard of 100k which have been invested into index funds and money market funds.

Congratulations. Try and double that by the time you're 35. Reinvest your investment income and keep up your savings rate (as a share of take-home pay).

Don't waste your money on bling. From 6ft away people don't know if it's a real Rolex or a copy-watch. Buy a tasteful $300 Seiko or Citizen instead. It'll tell the time just as well or better than a classy (real) Rolex, but bad people won't kill you for it.

Congratulations on reaching your financial milestone! The next step is entirely up to your personal goals and priorities. Some people may choose to continue saving and investing to reach higher levels of wealth, while others may decide to relax their frugality and enjoy some of the fruits of their labor.

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Before making any decisions about how to use your money, it may be helpful to consider your long-term financial goals. Do you want to retire early? Purchase a home? Start a business? Having a clear idea of your priorities can help guide your financial decisions.

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If you decide to relax your frugality and spend some of your money on luxury items like a Rolex, it's important to make sure that you're not jeopardizing your long-term financial goals. Consider setting aside a portion of your income for discretionary spending and sticking to a budget to ensure that you're not overspending.

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Ultimately, the decision to spend or save is a personal one that depends on your individual circumstances and priorities. It's important to strike a balance between enjoying the present and investing in your future. Enjoy!

I feel that it depends on what do you want to achieve next in your life also matters.

What is the point of chasing milestone? But if that is your motivation then next milestone is set by yourself, to each his own