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Here’s a life pro tip that you should follow: never lend money to anyone. Yes, that includes your siblings and that one friend from high school who needs $500 to pay back the loan shark who has threatened to break their pinky. You worked hard for your money; you get to use your money however you see fit.

If you do end up loaning money to a friend, it should be money that you’re ready to lose. It’s sort of like buying stocks but having no upside to it. It’s strange that the person in debt will always get made at the loaner whenever the loaner asks for their money back.