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Emotion
Lending Money: Help a friend or risk the relationship?
Core Conflict: Lend = Risk losing money AND friend if they don't pay back. Refuse = Risk losing friend now. Emergency vs. Bad habits?
Decision Criteria
5
Purpose
Emergency (Medical) vs. Consumption/Debt/Investing
5
Creditworthiness
Past track record
5
Amount
Can you afford to lose it?
4
Ability to Repay
Do they have income?
3
Excuse Viability
Can you find a polite excuse?
4
Closeness
Bestie vs. Acquaintance
4
Contract
Willingness to sign IOUs
3
Spouse Opinion
Does partner agree?
2
Precedent
Will others ask too?
4
Collection
Can you be tough to collect?
Start Decision Analysis
Takes about 5 minutes • Free to use