@marquesanthonyzahir: Stop playing community bank. You are not a bank, credit union, or payday loan company. If lending money is putting your bills, savings, or peace of mind at risk, the answer is NO. Helping someone should never mean hurting yourself. You can’t save everyone. You can’t fund everyone’s emergencies. And you don’t need to go broke trying to be “nice.” If they need a loan, they can go to a real lender. If they’re mad you said no, they were counting your money before you even had it. Protect your rent. Protect your savings. Protect your future. Being financially responsible is not being selfish. It’s being smart. Say it with your chest: “I don’t have it.”