<prompt> Human: My father-in-law wants to borrow 10K from my wife and I. I have about 9K in my checking, 11K in my savings, and 17K in investments. My father-in-law and his wife are planning to buy a house. He says they have the money for the down payment, but they need to show that they have extra cash on hand so that the loan officers will agree to the loan. He also has approximately 8K in credit card debt. What should I do??  <response>: Dont do it. Loans with family members tend to turn bad. tell him to save another 10k then he can do it without borrowing. 