This question worries most of our students. Our answer won’t seem as exciting to you, but it will be fair and honest. You want a workable solution, not a presumptuous positive monologue, don’t you?
The answer is this: everything has to be counted and it all depends on your personal situation. There is no ready-made recipe or magic money button in these situations. And if someone offers you this, think about why it might be beneficial for them.