<prompt> Human: This is probably a rather odd question, but Im currently sitting with 12,000 of education loan money in my bank account. This is an accumulation of the excess loan money from this year at university about 6k left over each semester after paying tuition.I also get a monthy pay Im a TA for around 1,200. From this money I pay my rent 660 and phoneinternet bills 150. The excess from my monthy pay 400 I then use to spend on foodnecessities throughout the month. I stay very frugal and rarely eat out or buy any luxuries for myself.But since Im sitting on so much money, I feel like I could afford some of the luxuries I dream about a new pair of designer shoes 350, spending a weekend with my girlfriend in NYC 500, but a part inside of me feels irresponsible because I usually stay so tight with my money. Would it be wholly irresponsible to spend this loan money on unnecessary things? I mean, I have the money, so why not..?  <response>: Yes it would. 