The risk of replacing their mothers priceless jewelry hidden in the bottom of the half used coffee can and their $10,000 safety fund in the box of old papers you threw out is not worth it.   

@Daniel LevineI would spend around $15-20K on whatever my wife wanted.... vacation, jewelry, clothing.  

Same goes for other investments such as bonds, fine art, jewelry, collectibles, etc.  

With 2-3 suspects and a definite time the crime occurred questioning works great (got 20k in jewelry returned).

Have you ever seen a price tag on a piece of jewelry anywhere or on anything at Marshall's that does not indicate some 50% "savings"?

This will afford me the ability to buy you more clothes and jewelry etc.

I am talking about the local boutique jewelry or clothing shops that their owners work their asses off 7 days/ week.

PS I have family in Morton, my cousin owns Binkley Jewelry.

Jessie Nunley says the family member who spends $5 every day on Starbucks and buys designer jewelry and purses...

I think that this level of freedom is far more valuable than any exterior displays of "wealth" like cars and homes and jewelry.