<prompt> Human: I have a lot of medical issues that I need worked on next year and I have been putting it off for a while because of the cost i.e. Im cheap. I have saved enough to pay for it at this point and can take care of it next year. My parents have recently offered to pay for my expenses, without me having to pay it back. I am hesitant to take them up on it because I dont want to be indebted to them. Should I take them up on the offer, or spend my hard earned money on it? I should also say that spending my own money on it doesnt really impact my financial situation from a long term perspective. And them spending their money on it impacts them even less than me spending my money impacts me. Were talking like 3000 here. My problem here is definitely a firstworld one.  <response>: Im answering this as a parent first not as a personalfinance flunkie: I expect that theyre worried about your health issues and the fact that youre delaying treatment. If you are certain about proceeding with that then assure them of that and get it taken care of, and the financial issue is resolved. Theyre offering the money to help you get over being cheap and delaying treatment.Talk through your plans with them and perhaps accept that you would rely on them in a financial emergency but you dont need their help now. Good luck with your health. 