Only help others if you have the cash on hand yourself. Never cosign a loan to "help" someone else, and never loan money to a friend or relative. That just keeps them in debt longer, strains the relationship, and keeps the cycle of destruction going. A loan between family members, or even friends, isn't help. It's a trap for both parties. Family dinners and get-togethers are different when you're sitting down to eat with your creditors instead of just friends or family. If you want to give money

When you’re making $260K a year but hiding money from your spouse just to keep the lights on, you don’t just have a money problem. | Dave Ramsey