<prompt> Human: So this may be more of an ethical issue, mixed in with PF, but I really think highly of many of the minds of this sub, so I pose this:Im 42m, earning 90,000. Over the past few years, I have gone through a divorce, and extricated myself from the financial mess that went with that. Over the past year, largely thanks to this sub, Ive retired about 30k in debt, and I plan to be debt free by April.Almost debt free.There was one significant loan that my brother made to me about 2 years ago. It was 20,000, and it was to help me unload a house that I was significantly underwater on that I inherited from the divorce I also took 20,000 out through 401k loan to be clear of it...thats the last debt I have to clean up by April.I have had every intention of paying my brother back, as soon as I dug myself out from my other tomfoolery. However, a few months ago, my brother told me that he didnt want me to pay him back. He wants me to consider it a gift. I was floored at his generosity, but I have a hard time coming to terms with it...it doesnt seem fair or right.Obviously, 20,000 is a big deal to me. Not having to deal with it would mean that I could immediately get serious about college savings two kids, 8 and 13, plus my 19yo daughter is currently in college, cash flowing. And also get much more serious about retirement.20,000 is less of a concern for him. Were close, but we dont talk about salaries. However, hes an executive at a publicly traded company, so his compensation is public record...I looked it up recently, and was surprised to see he made 1.8million last year.I guess my question is: what would you do? Accept this amazing gift? Or bide time and start paying him back once other debts are clear?  <response>: Salary isnt important when it comes to a gift. Its an amazing gift. When I gave my brother money as a gift, he kept trying to pay me! Its a gift. Accept it. Maybe start a brother gift savings account in case he ever needs a gift back. If he doesnt in 10 years take him on a brothers vacation. 