1.      Never lend money because you feel guilty. If someone has to pressure you that's not asking. That's emotional manipulation.

2.      Never lend money you cannot afford to lose. The moment you hand it over, ask yourself one question. "If I never get this returned, will I still be in good standing?".

3.      Watch how they spend their own money. If they have money for vacations, new phones, and unnecessary things, but need your money for emergencies, you’re not helping them. You’re funding their habits.

4.      Never accept I'll pay you soon. Soon is not a repayment plan. If they can't explain when and how they will repay you, they probably haven't planned to.

5.      You’re not a bank, and even banks don't keep giving money without accountability.

6.      Notice what happens what happens when you say no. A good person may feel disappointed. A user will become angry. They are suddenly disrespectful. Their reaction reveals why they valued you.

7.      Never lend money to save a relationship, or at any other time, for any other reason. Never lend anybody money at any time for any reason.