<prompt> Human: Im 32 with my first baby due in June. Recently my friend asked me for a 4k loan. I was able to give him 1k and managed to get the 3k from his family. I gave him the loan in early October and gave him until Jan 15th to begin paying it back. He told me he was about to lose his house. This struck a cord with me. He came over a few evenings ago just to hangout. He has no filter and just talks without thinking. He was giving me the play by play on all the gifts he got for his girlfriend for xmas. With the show stopper being concert tickets for a 3 day weekend event that cost 199 each. Not to mention food and drink during the event. Today I woke up to see him bragging about what he is going to buy with his tax refund on Facebook copy below---Options for the tax returns this year 1. Do some remodeling at the house1. New mattress 1. Get a tri-bike1. Puerto Rico Surf Trip1. Hit the mountains for the weekend1. Just throw it in my savings.Decisions decisions---Lesson learned: Take care of your own. If you have the ability to help others, help those who are need. Not people living outside their means. Assistant: Theres no mystery as to why he cant get a loan from a bank. Hes got bad credit for a reason. If someone isnt trustworthy enough to pay their debts on time, theyre not to be trusted with your money either. Human: Yeah I almost wanted to have him show me his budget but felt that would have been kinda overstepping limits.  <response>: Seems like asking for 4 grand is kinda overstepping limits quite a bit further. 