<prompt> Human: So I am extremely lucky in that my parents love me and dont want me to go into debt. I am currently in medical school AKA no income and they have told me they want to pay for as much as they can. I have not had to take out loans yet, and am almost half way done with school. My parents are financially doing fine, but I want to start taking control of my own finances and they would live a lot more comfortably if they didnt pay for my school they live well now- but they would be doing so much better without me. It is extremely rare that parents do this much for their kids, as most of my fellow classmates have been separated from their parents for years they are also older than me and have had a job before med school. Every time I mention separating - they tell me I dont need to take out loans and I do not know what debt is like and I dont know what Im getting into. The conversations usually end at this point. They are right - I have no idea what debt is like and I know both of my parents struggled growing up. But I feel ridiculous still living on my parents money entirely and I hate having to ask their permission for everything I spend money on. I love my parents, and I want their approval - but I want to be independent.My biggest question is: How can I separate from my parents financially and should I? Some people have told me to enjoy it while it lasts, but I mostly just feel like a leech. Second question: If I take out loans, is it unwise for me to spend some money on a week-long vacation somewhere to refresh before I start my next years supposedly the hardest part? Its somewhat of a tradition for med students to do something to unwind and reward themselves for the 1.5 months of intense studying done in preparation for the exam.I know I sound naive and dumb, but I really am looking for some advice from the wise reddit finance community. Thanks in advance!Edit: Thank you everyone for the advice!  <response>: Current med student as well.While this is more of a relationship question, from a purely financial standpoint, it would make the most sense to allow your parents to pay if they have the means and are willing. My parents struggled growing up as well, and decided to pay for my undergrad degree despite my willingness to take on the debt myself. Im grateful for that, and plan to pass their generosity on by doing the same for my kids.As for taking control of your finances, you should be doing that regardless of the debt. Our profession has a reputation for being bad at managing money.By the end of med school, make sure that you know how to make and keep a budget. Learn how retirement accounts work, and have a plan for what for where your money goes.The White Coat Investor book and blog is a great place to start.Aside: Going on a week long vacation is up to how much you can afford. Look at the total value including interest of your vacation cost, and go if its still worth it to you. I went on a 4 day vacation after Step I that was worth it to me. 