 Which brings us to takeaway two. Make this decision based on your own finances, your own budget. Don't let guilt be the main driver here, which means, well, first off, you should have a budget, know what's coming in, what's going out, know what's in your emergency fund. And then, says Michelle, have a little miscellaneous life happens fund. That's where you pull from. You do not give someone your rent money. You do not give them your car payment money.