Optimal Finance Daily · Thursday, October 1, 2026
J.D. Roth suggests exploring other ways to assist friends and family when they ask for money, rather than defaulting to a loan. He advises identifying the root problem and seeing if non-monetary solutions are possible.
“Are there other ways to help? Sometimes people think money is the only way to deal with problems, when there are actually other ways to offer assistance.”
“Figure out what the root problem is, and see if there are other ways to help solve it, without donating dollars.”