<prompt> Human: Hes 21. Im 22. Were both seniors in college. Right now, our income is 0. I made about 5000 post tax last summer and he made about 17000 post tax last summer. He has a job offer he plans to take once he graduates. The salary hasnt been negotiated yet, but its an ibanking position, so it will be in the six figures once you account for the bonus. I dont have any job offers right now.Were in a lot of debt. Between us, we have about 50K in student loans. We have an emergency fund of 10,000 and no other savings.Theres going to be a 4 week period after we graduate and before he starts working. He wants to go on a 4 week vacation abroad.Uhh, what? Lets say we go to the archetypal cheap vacation - thailand. Its going to be about 3K in air fare if were lucky. The rule of thumb is 50day to live cheap and 100day if you want to have fun. Lets meet in the middle at 75. Theres two of us, so 150day 7 daysweek 4 weeks 4,200.So well be left with 2800. Thats 2800 to move across the country, find an apartment IN NEW YORK CITY! SO EXPENSIVE, pay any and all expenses, and survive until his first paycheck. Luckily his firm is willing to pay relocation for both of us.And well be left with no emergency fund. If you want to wipe out an emergency fund, you should at least put it on our loans with an oppressive interest rate the effective rate over the 50K is 3.83This is completely unacceptable. Hes kind of sad because he has never gotten to leave the country and doesnt get any time off until you gt promoted 3-4 years, but that isnt an excuse to destroy us financially, you know?Am I wrong to think that is fucking stupid?  <response>: I can definitely see his side of the story. This is probably the only time in his life where hell get to go on a 4 week vacation before retiring at age 65 or 67 or whatever the recommended retirement age is.My vote would be to compromise. There must be somewhere in the continental US that youve both never been to, that would be a good cultural exchange. 