<prompt> Human: Background: Im a student currently getting money from scholarships until 2020. Hopefully Ill get a job in 2020 but the money stops flowing in around then. I have managed to save up 30k and was talking to a family member, getting advice on what I could do with it to make the most out of my money. This was partly prompted by the fact that he just bought a house and thought it would be a good investment option for me too. Also, we all live in NZ if that makes a difference. This family members wife has 12k in a credit card loan at 19 interest and has proposed that I pay that off and he will pay me back at a lower interest 5 at roughly 100 a week. He also says that if I need the money back desperately unlikely that he can use his credit card to pay the rest. That interest rate is currently higher than what Im currently getting in the bank. This family member has been very good to me, given me a place to stay for long periods of time, many dinners, etc, and is a bit of a father figure to me. I trust him, but I wouldnt call him or his wife good with money. I regret bringing up money with him haha but I do want to help him out. What advice can you give me, rpersonalfinance?Edit: thanks for all the advice, long time lurker so I knew how it was probably going to go but wanted to get a second opinion anyway. I messaged my family member and basically said that I wasnt comfortable loaning that amount of money for such a long time, especially with my life being up in the air in just over a year. Moral of the story: dont talk about money to people who might want someAssistant: Youve been put in a very tough spot. Lending money to friends or family is a sure way to ruin a relationship. Unfortunately your refusal to lend this person money may also sour the relationship. Everyone who is saying that you shouldnt lend the money if you cant afford to just give it away is right. However, if you never get the money back its always going to be in the back of your mind when youre dealing with this person. Its really a dick move on his part to even ask. Whatever you decide, good luck!Human: I definitely regret bringing it up. Thats on me. I see this person almost every other day. Im leaning towards saying no on the basis of it being a lengthy agreement. He might be a bit put out at first but I think hell be okay with it.Assistant: You can always say that its your safety net and the future is unpredictable. Anything could happen and you need that amount to fall back on if you dont get a job right away after graduation. You could offer to pay a little bit but such a huge amount is not the best bet. Human: I landed myself in trouble because I said that this was in addition to my safety net. But I brought up the fact that I have no security after graduation. Ughhh  <response>: How about saying youre going to invest it in some type of housing to keep future cost of living down? Or maybe put it in a fixed CD account to accrue interest? 