<prompt> Human: This is for those who have spoiled themselves at one point. I must prefix this with the fact that golf is one of the most enjoyable things I do. Im 26 years old Income about 90kNet income after taxes : 3,800Rent cost: 850 - 900 with utilities I share an aptCar payment: noneCar insurance: about 90 Cost of living per month : about 900 not including any holidays, random expenses, etc I max my 401k each year. Save 5,500 for my Roth IRA, and have saved about 55,000 so far to start saving for a down payment on a house Can I afford :Option 1: 5000 intimation with 450 monthly feeOption 2: 3500 initiation with 300 monthly feeOption 3: 500 initiation with 265 monthly fee I would use this golf club at least 34 times a week. Thoughts? Good idea? Bad idea?  <response>: I feel like a country club membership is one of those things where if you have to ask if you can afford it, the answer is no.At least that was my first thought. Then I read your post - seems like youre doing pretty well and have some disposable income. If you want to dispose of that income playing golf, I dont see any problem with that. Just be sure to read the fine print carefully before signing. 