Take time to think about it
You are under no obligation to say yes on the spot when a family member asks for money—no matter how dire their situation is.
- Say, 'I would love to be able to help you. Let me think about whether this is best for me.'
- Pause and reflect before answering. Taking even a few minutes gives you time to formulate key follow-up questions in your head.
- You need to know how much they need, why they need it, and what their income expectations are now and for the future.
- Get a sense of whether they can repay you and what their timeline is for that.
- Then take two to three days to respond.
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