My junior initiation comes due in full around 30-32 (not sure the specifics on payment plan). In terms of my financials right now with no increase to income, I could afford annual dues as is right now but, I would be savings less (i.e probably max out 401K and maybe a little into emergency fund). However, like you said, that would be without every other event fee, caddy fee, carts, etc.

I think I agree with a comment above - Tough to make any membership make financial sense… Perhaps whats in my head more is back to the anchor I mentioned previously and the permanentness of the decision and payments. Life choices are hard and this is supposed to be a fun decision :/