Money Mayhem: Kelly Osbourne Gets a $250,000 Mani

Money Mayhem: Kelly Osbourne Gets a $250,000 Mani

LearnVest always seeks to educate and inform, but every once in a while, a financial matter hits the headlines and makes us go, “Huh.”

Sometimes it even provides us a lens to learn about ourselves. In that spirit, from bad money decisions to financial lessons worth millions, consider our Money Mayhem series your source of financial edu-tainment.

Kelly Osbourne reportedly sported a $250,000 manicure for the Emmy's on Sunday. “About to get a $250k manicure w nail polish made w blk diamonds made by @azature so excited & honored,” she tweeted.

This raises so many questions:

  • Was there really a quarter of a million dollars in diamonds on her fingers?
  • Did she have a valet to perform manual tasks so she wouldn't risk chipping of the price of a luxury vehicle on accident?
  • Was she afraid of being robbed by a nail-polish-remover-wielding thief?
  • Did she pay for that?
  • Were her fans as excited as she was?


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The Truth About the Nails

As with any hyper-excited 140-character tweet, the truth is a bit more nuanced. (Less nauseating, however? Maybe, maybe not.) The enterprising reporters at report that although there is a $250,000 bottle of nail polish in existence, the maker, Azature, says it is untapped. What Kelly actually had on her nails was probably the $25, 1-carat version. And as you know, one doesn't even use the entire bottle of polish for a manicure.

What Kelly Instagrammed (above) is indeed the less expensive version. However, are those extra black diamonds laid out next to it? "I'm s***ting myself to have that much money on my nails!" she said in the caption. So it's unclear how much money she had on her fingers.

Other answers to our questions:

Can You Afford It?

Let's say you would really like to buy a $250,000 bottle of nail polish full of 267 carats of black diamonds (it is still available!). How much income would make that financially feasible?

We recommend you spend no more than 30% of your monthly take-home income on Lifestyle ChoicesMoney that is leftover after you pay for Essentials like rent and groceries, and put money toward Priorities like paying off debt and saving for retirement. This goes to whatever you want, like dinners out and shopping. Or diamond nail polish.. Let's be generous and also say that you will scrimp and save and have no social life, dessert or cable for the entire month in order to afford it, so you are spending your entire Lifestyle portion on this bottle of nail polish. That means you would have to take home $833,000 a month, or almost exactly $10 million a year--after taxes--to make a $250,000 bottle of nail polish financially responsible. That would put you in the top 0.1% of earners, according to The Wall Street Journal, and one of about 2,000 Americans.

P.S. If you would like to follow the Instagram of someone a little more accessible, you could do worse than LearnVest. Just search for us in the app.

Image credit: Instagram


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