<prompt> Human: Well this is a pretty weird situation, in a good way.My parents have offered to give us 20k to help buy my wife a new SUV. We never asked for it, its just something that they brought up while they were considering getting new cars, they are both retired and have a lot of income from their investments. Their only reasoning on why so far has been that my wifes car is old and small, although of course we do have our theories as to why - I think that they are either bored with their money and really do pity my wifes car, or that they would really like us to have kids we got married not too long ago and so want to give incentives - such as offering money to buy an SUV that would be a perfect family vehicle. My wifes car isnt so bad, its a 2008 Corolla with low miles. It does look older because this Corolla ran from 2004-2008. Its small and cheap to own, although kind of rough around the edges compared to their vehicles, but only has 70k miles and has been reliable thus far.We are planning on starting a family within a year, so we would like an SUV eventually to make it easier to get the kid inout and to carry things in the trunk. I want to wait until we are practically at delivery so that we can minimize expenses. But right now, the offer is on the table - and Im afraid that if we let it sit on the table too long, they might just rescind it. My wife also has some known health issues, so there is the concern that we will never be able to have a baby, too, rendering the process to be entirely pointless.The last strange part that Ill throw in is that my parents live in a strange upper-middle class bubble where they think that the entry price for a new SUV is around 40k. My parents both have SUVs that cost 50k and around 45k respectively, primarily because one of them is a Lexus and the other is fully loaded. FWIW, Id be pretty exhilarated to buy a 40k SUV. The wife and I make about 220kyear combined with no significant debt, so its not an issue with affordability.So the question is - take the 20k and run with it, while using a vehicle that will cost more gas, more insurance, and will depreciate more quickly, or leave the offer on the table and maybe lose it forever?Assistant: Your combined income is 220k and you still accept money from your parents?Human: This is something that would otherwise be inherited in 30 years or whatever anyways. I would never ask them for money for a vehicle. I could decline but in a strictly financial sense, money is money.  <response>: Then say no. They should leave it invested because the money you get in the future will be far more. Buying a new suv is a horrible investment. 