My husband came from very humble origins. When he was a little bit younger than you, he returned to his family's apartment one evening to find that his music teacher had purchased for him as a gift a used Steinway M (or equivalent of that era) - probably at a good price from a musician or family down on their luck. 50 years later that piano is still with him. it was waiting for him when he returned from military service in Vietnam. It was moved to walkup apartments in New York and Boston (our local piano movers are known as "Death Wish" movers) . When in the 1970s he was down to his last 100 dollars, he didn't sell the piano, he got a day job. During his working years he composed music on it at night and on weekends. When he retired he had a second career as an accompanist and vocal coach.
There is a season of life for fine watches, and that season will come to you all too soon.