May I make a suggestion? I'm not sure what the expense factor is in getting a golden retriever puppy, but there are animal rescue groups for various breeds (my brother runs a basenji rescue group) where you can get a purebred puppy that has already gotten its shots, been fixed, etc., and at a considerable cost discount from buying from a breeder. This could save you on the money factor.
Good suggestions, but I'm at a point where a new pair of sneakers is a major purchase. I don't want to have to think twice about a trip to the vet. My puppy will wait for me.