 Why do you need the money? And that's a perfectly legitimate question. Some people bristle at that. Like, how could you ask them? Well, if you go to a bank, they don't ask you what you need the money for. They want to see financials. They want to see your tax return. And so it's OK to say what happened here. This doesn't have to be a grilling session. This is part of the gift, holding their hands through tough truths.