“My rule of thumb for offering assistance is asking myself, Will my assistance actually make a difference?” If, after lending a family member money, I know that next month they will still be in the same predicament, then Im not really helping, just temporarily delaying the inevitable. If I know that my gift will shift an outcome in a sustainable way, Im more likely to help. Because I see my assistance as a vehicle for change,” says Tiffany Aliche, a financial educator and founder of The Budgetnista.

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