<prompt> Human: I just graduated college, debt free thanks dad, with 17,000 in savings. I start work next week at 55,000 about 3,700month after taxes. My rent will be 1,300month. I do not have a car payment. My company will cover medical insurance and phone fully. The only thing I need to spend my money on right now is furnishing my apartment. Im estimating to spend 2500 - 3000 on that. Alright, with enough background I can get to the point. I want to treat myself to some nice toys. Specifically a 4k TV, New monitor and graphics card. The three of those will total up to be 2,000. That would leave me with 12,500 in the bank, then the paychecks will start coming in. I realize thats not much, and probably wont last me long. I absolutely do not want to go below 10,000 in savings getting settled in to the new home. Once I am comfortable, I plan to save 20 of every paycheck.Is it safe for me to pull the trigger now?  <response>: Yes, 12k in the bank is fine for your circumstances. A 5000 splurge on cool shit - and yes you should mentally include the furniture - is ok : Make sure youre serious about that 20 savings once the paychecks start rolling in, though. If you keep buying toys every month youre gonna be pissed in 10 years when youre in debt and cant afford a house or a trip to Tahiti or whatever. 