It almost always makes more sense to just give money (or frame it as a "payment" for something) than to loan friends / family money. The usual thing I ask is t

It almost always makes more sense to just give money (or frame it as a "payment" for something) than to loan friends / family money. The usual thing I ask is that people do it for someone else later in life if they can. It just makes everything less icky if there's no nominal expectation of repayment. Occasionally I've had things repaid anyway.