 You paid the stupid tax. So if I woke up in your shoes with your situation, I would tell your wife, first thing I'd do is sit down with her and say, okay, I've made the decision that I made a mistake when I loaned your cousin money and when I loaned my friend money. If we were going to help them, we should have given them money. So go ahead and understand that from this point forward, I will never loan money to a family member again.