Sometimes helping can go badly wrong. My sister and her partner had bought a Bed-and-Breakfast in a nice Australian country town in 1997, with a 10-year interest only loan. It was never really successful. At the end of the 10 years, they decided to sell it, but by then it needed some upgrading and maintenance. So she asked me to give them a bridging loan while they prepared to sell. Then, of course, it became 2008... and the bottom dropped out of the real estate market. Even in Australia, where it was nowhere near as bad as the US, it then took another two years to sell the property at a significant loss. If I hadn't given her the loan, we both would have been a lot better off; they would have been forced to sell before the collapse, and I wouldn't still be waiting for the rest of the loan to be paid back, which it never will be. The moral here is that sometimes having access to resources can lead to bad decision making.