<prompt> Human: I recently graduated from a very good engineering school and landed a job starting at 70k with a 5k signing bonus, 3k moving bonus, and another 3k bonus at the end of the year. I dont start till the end of May and my student loans 37k kick in around June.I plan to live frugally for a couple years and pay the loan off quickly. I have 5k in cash as an emergency fund already, but I plan to try to grow that to around 10 before 2016.My predicament is this: Im an avid, low handicap golfer and there is nothing that relaxes me like time on the course. What Id really like to do is buy a membership at a local course 2-3k for the year with my signing bonus probably 3k after taxes. I can justify it in my head 15 different ways for example, Id be perfectly happy golfing 5-6 days a week. Thats money Im saving from going out. So what do you guys think? Other information: cost of living is low plan to rent for 530month until I can save a house down payment, no car loan for the forseeable future, fiancé will join me a few months later and will likely make 40-50k starting and 50-65k after a year of licensing. Tl;Dr: is it okay to indulge a little with first real job?  <response>: Indulging while in debt with a first job out of college is exactly why I still have 8k in credit card debt.Clear your debts, then indulge. Dont get blinded by all the extra money because its not actually extra, youre stealing from your loans payments. 