Neither a borrower nor a lender be;
For loan oft loses both itself and friend,
And borrowing dulls the edge of husbandry.
This above all: to thine own self be true,
And it must follow, as the night the day,
Thou canst not then be false to any man.
(Hamlet, Act I, Scene III)
Never crow about having money, otherwise people will ask you for some. And when you refuse, they will say you are "mean" for not "sharing" - even though you might have just barely enough to live on yourself - and fund your own retirement and health care.
A high school classmate of mine contacted me on Facebook back when I was still on it. He was a ne'er-do-well and is living on disability most of his life. He has gone though bankruptcy more than once. I asked him how his brothers and sisters were doing and he said, quite honestly, "They don't talk to me too much anymore, because I keep asking them for money." In other words, his "needs" for money caused him to lose the friendship of his own family members.
Or they smoke tons of pot (which is expensive) and complain they can't hold a job - but hey, can you "loan" me $500 until next week? As the lender, are you being kind, or just enabling their lifestyle?
Stop playing "bank" with your family members and friends. Whether you are the banker or the borrower, it is a lose-lose proposition.