I've had favorable circumstances (parents that did ok, REALLY cheap rent in an expensive city, a regular job) and I've been able to have the same policy, every

I've had favorable circumstances (parents that did ok, REALLY cheap rent in an expensive city, a regular job) and I've been able to have the same policy, every time my attitude is I will loan money that I could without being too broken up about it set on fire then and there and never with any explicit expectation of good use. if it's returned (some have, some havent been able to) it's a bonus. now this is a SMALL amount compared to most people but I have friends who have had a really rough time financially.