Lending money to friends or family can affect both finances and relationships. It does not necessarily create dependency, and a request for help does not prove avoidance of responsibility.
Before lending or giving:
- Decide whether the amount is affordable to lose.
- Clarify whether it is a gift or a loan.
- For a loan, record the amount, timing, repayment terms, and what happens if circumstances change.
- Consider whether borrowing in order to lend creates unacceptable risk.
- Decline when the help would threaten essential needs or create resentment.
Treating every loan as a gift may be emotionally simpler, but it obscures the agreement. Advice or learning resources may help in some cases; they are not a substitute for money or for respecting another adult’s agency. Significant decisions may require qualified financial or legal advice.
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