It depends on your own personal situation. If you have kids or lots of debt, then moonlighting can be a near necessity. If your debt load is relatively light/you have no dependents, then whether a program has moonlighting or not may make absolutely no difference to you. Personally, as a senior resident, I have fortunately not been in the position of needing to moonlight, and have placed a much higher priority on my free time than making extra money. It would have made absolutely no difference to me whether a program had moonlighting or not.