If the surgery is necessary, it may be well worth the dent in your nest egg to pay for the surgery with your savings. While spending your life savings on something like surgery is not ideal, if the surgery will improve your quality of life, it may be money very well spent.
Depending upon your credit and income, you may want to borrow the money from an outside source and keep your savings easily accessible. While a loan will result in interest being charged, it may be worth the extra money to maintain the security of a nest egg or emergency fund, especially if you may need the money during your rehabilitation if you are unable to work.
