Jim from Phoenix is considering selling a valuable silver gift to pay off credit card debt. The gift came with a hope he wouldn’t touch it. The silver is worth $8,000, but cashing it in would only shave off a month and a half of debt payments.

The tone of the gift was more like, “we don’t want you to cash it in. We think it’s going to exponentially go up in value.” Having a gift with strings attached is unfair, as it’s an expectation, not a true gift.

Jim and his wife should feel empowered to make the best decision for their financial stability. They were given a gift and should use it as they see fit, regardless of expectations. If the gift damages the relationship, holding onto it a little longer may be the better choice.

The value of silver recently took a hit, which adds complexity to Jim’s decision. If unsure how to handle a windfall or family money situation, a free tool from WiserAdvisor can help find a financial advisor without pressure to hire.

Gifts should be given freely, without strings attached. If you’re going to give a gift, give a gift. It’s important to consider the emotional and financial implications of decisions involving valuable gifts.

Read more at Yahoo Finance: The Silver Was A Gift From His Grandparents, Meant To Be Kept. Now He Wants To Sell It To Escape Credit Card Debt. Is This The Right Thing To Do?