<prompt> Human: I hope this is the appropriate subreddit. I can say that I see it as a personal finance question.Some background information:Im a recent graduate, 25 years old. I accepted an offer in New York about a month ago and it starts in September. The job is in Manhattan, it pays six figures and decent change as base salary. Its a job famous for a pretty grueling work schedule. Assuming I stay in my field, money probably wont be a problem in the future. I feel like one of the luckiest people in the world. My situation:I have about 70,000 of student loans. Ill be getting a check for 5,000 right before I have to move to New York and start working. However, because Ive spent the past year as a student, if you liquidated literally everything I currently own minus my clothes and added the figure in my bank account, I would be surprised if it summed more than a 1,000. My ongoing overhead expenses are about 300 a month phone, health insurance, car lease plus insurance, and gas.The only exception to this is a 401k that has about 6,000 in it from a previous job. I have a familial safety net in the sense that my parents wouldnt let me be homeless. That being said they dont currently have an income where they should be supporting me in any real way.Every single person I talk to in my field, including my future coworkers, tells me not work over the summer. Spend it doing something Ill enjoy. If I mention the fact that prior to starting the job I have no money, they tell me to take out a loan.Id say Im pretty well versed in personal finance. Im a very fiscally conservative person. I have a knee-jerk reaction to this advice and every instinct I have tells me to work over the summer and save up some emergency funds. Any job I can get that will pay more than minimum wage will want a commitment for basically the entire summer. What would you do? Plunder the 401k, take out a loan, work, something else? Any thoughts are appreciated.  <response>: You are not like most people that come to personal finance who are broke. Im guessing you will be entering into IB. Even though you are currently broke, TIME is your bottle-neck. You will not have any time to enjoy yourself or make new experiences after this summer. Use this time wisely. If you want to work, work, but is there anything youve always want to do? travel to europe or asia for instance? If you absolutely have no money, try to get a loan somewhere. If you cant get a loan, Im gonna give you an advice that is almost never given here in rpf get a credit card or two, preferably one with 0 introductory rates, and go crazy but preferably less than 10k. You will be able to easily pay it back after you start working 7 days a week, eating on the company dime via grub hub, and having company paid taxi to drive you home at 2am every night that 10k and interest will be negligible at that point. Side advice, once you start at your job, focus on it. Also, dont get a super nice apartment, you are not going to spend much time there anyways. 