New York magazine:

It will start with a friend. A friend who lives in San Francisco, maybe. Or who works as a venture capitalist. Or who recently had a birthday.

And then, sometime around June, you’ll get an unexpected infusion of cash — a security deposit you forgot you’d paid, or a few hundred dollars from your tax return. And you’ll find yourself on Apple.com late at night, admiring the watch, wondering if the $349 you’d spend would ever really be worth it.

What the hell, you’ll say. Add to cart.

It won’t work this way for most people but this will be a process very similar to what many have gone through in the past with Apple products and certainly will with the Apple Watch.