An analogy for the restrictions put upon oneself when they graduate from college, get a "career job" and a house loan.
You're living the good life, but you're stuck in a 9 to 5 world for the foreseeable future.
"Joe just got a job at Microsoft, so he and Sally decided to finally put a down-payment on that house they've been eyeing."
"Oh really? Sounds like he just put on the golden handcuffs. Want to bet on when they have a kid?"
This is where a guy gets to fist two chicks in the vagina at the same time while their urinating.
He is wearing the golden handcuffs.
dude1: you won't believe what happened last night! Two chicks came up to me and wanted to give me a double golden shower!
dude2: gross! .. so did you do it??
dude1: hell yeah! but I turned the tables on them. When they started the shower I ... lets just say I plugged the pipes and gave my self a shiny pair of golden handcuffs!