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What would you do if a family member asked to borrow money – besides the less painful option of beating yourself over the head with a fence paling? You want to help, but you’re right to be wary.

It’s a difficult subject that despite everyone’s best intentions, often ends in tears.

You’ve worked hard, saved for retirement, paid off your home and raised your kids. You’re sitting on a nice little nest egg and expect life to be cushy. Here it comes:

your teenager wants to buy a car,
your kid-ult needs help getting into a first home,
a sibling has a brilliant start-up business idea,
your between-jobs best friend is struggling to make mortgage repayments.

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