 I wouldn't loan to friends because they'll never pay you back. I wouldn't loan to family because they'll never pay you back. You need to say, if I'm going to give some money to a friend or a family member, you've got to be able to cut loose of that money and say, here, I'm just giving it to you. If you care that much about it, I'm going to give him some money. Give him some money, but don't give him your principal. Give away a part of what you have as liquid cash.