re: Cousin just asked me for money: he’s a high income earner and parents are wealthy

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You're treating them a like a bank would. Of course they won't say yes. It's the right play though.

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Difference is that I probably would not charge them interest. It would actually be a free loan or a free gift of money.

Problem for them is that they don’t want me to see the actual reason they are in a financial bind. Which is exactly what needs correcting before you give them money.