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Hair transplants have become more common in recent years, particularly among men. With around 50% of men experiencing some degree of hair loss, it’s no surprise that more people are considering taking action. But at a cost of nearly $20,000, the big question is: is it worth it?
In this episode, James shares his experience undergoing a hair transplant and breaks down the costs, the process, and how to factor something like this into a long-term financial plan. It’s a personal topic, but one that connects closely to how people manage lifestyle spending without derailing bigger financial goals.
Breaking Down the Cost
James opted to have the procedure done in Sydney instead of Turkey, which is a common destination for medical tourism. His decision came down to convenience, comfort, and the fact that by the time flights and accommodation were factored in, the price difference wasn’t substantial.
Here’s the breakdown:
Procedure: $16,000
Flights: $1,000
Accommodation: $1,500 Total: ~$18,500–$20,000
Although the cost may seem high, it was about more than just appearances. The choice was driven by confidence and long-term wellbeing. As James described it, “I now never think about my hair”—and for many, that peace of mind is invaluable.
The Process: What’s Involved?
The procedure itself was intensive. It began with a full head shave, followed by approximately 12 hours in clinic. Around 3,800 hair follicles were extracted using a fine coring tool and then individually transplanted to the front and crown of the scalp. Recovery included a few days of rest and several weeks of healing, with noticeable improvement around the four-month mark. Full results are expected after 12 to 18 months.
Mike’s Story: Investing in a Better Smile
Alongside James’s experience, Mike shared his own journey—this time with dental work. He underwent Invisalign and related cosmetic dentistry to improve his smile. Like James, Mike hadn’t originally planned to share this publicly, but realised it was a valuable example of lifestyle spending intersecting with long-term financial planning.
Mike’s dental treatment came to around $7,000, and much like with the hair transplant, the benefits went beyond appearance. It was about comfort, self-perception, and confidence—things that aren’t easily measured in dollars but still play an important role in day-to-day life.
Where Lifestyle Spending Fits in a Financial Plan
The key message from both experiences is that big personal expenses are okay—if they’re properly planned. Whether it’s hair, teeth, a dream holiday or even a classic car, lifestyle goals can be built into your financial strategy. But there are caveats.
Avoid debt: Using high-interest loans or credit cards for cosmetic procedures creates long-term drag on your finances.
Be strategic: If you’re putting the cost on the mortgage or drawing from savings, ensure it doesn’t slow progress toward bigger goals like buying a home or achieving retirement freedom.
Plan with intention: Lifestyle costs are legitimate, but they should be considered in the context of the full financial picture.
Key Takeaways
The cost of having a hair transplant can run close to $20,000, while cosmetic dental work like Invisalign may cost around $7,000.
These types of procedures often improve confidence and wellbeing—but they need to be factored carefully into your financial plan.
Avoid funding them with high-interest debt. Ideally, such costs should be paid in cash or managed as part of a well-structured budget.
Financial planning isn’t just about retirement and mortgages—it’s about building a life you enjoy, with the freedom to choose what matters to you.
Next Steps
If you’d like to learn more, check out these other episodes below.
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Disclaimer:
The information in this article is general information only, is provided free of charge and does not constitute professional advice. We try to keep the information up to date. However, to the fullest extent permitted by law, we disclaim all warranties, express or implied, in relation to this article – including (without limitation) warranties as to accuracy, completeness and fitness for any particular purpose. Please seek independent advice before acting on any information in this article.
