I just listened to a conversation between two people at my work. The lady was complaining about her nephew who is always asking for loans, sometimes he pays, most times he doesn’t. The guy talked about his wife’s brother who is down on his luck and sidles up every first of the month like clockwork asking if he could “slip him a little” to tide him over. I know things are tough all over and moreso for some. Here are some questions for you: Are you the go-to person in your family or among your friends? Do people assume that since you go to Vegas frequently, you must be rolling in dough? If you “loan” money to family or friends, do you just write it off knowing you won’t see it again? Do you get the “dry-beg” like: yeah, that (insert) bill is darned high this month or don’t know how I’m going to meet my mortgage this time around or sure wish I could afford that weed whacker. In an emergency, yes, I have given (lot loaned) money to my niece to meet her college tuition payments, but that is furthering her education. For habituals, no.