I lend them to my family.

I don’t lend money to friends because money can ruin friendships.

This is a good post with a lot of wise things. I'm older than you but I'm never too old to learn. However personally let me emphasize that. I don't loan money to my family. I give it to them with no expectation of it being returned. It can ruin families too. Many families have went to court over "loans" that they thought were gifts.