Life Advice with AI Dr. Vil: Should You Keep Lending Money to Family?

Meet AI Dr. AI Vil, your digital life advisor who cuts straight to the chase. Armed with real-world wisdom and no fluff, Dr. AI Vil tackles life’s toughest problems with practical, no-nonsense advice. Whether you’re navigating personal growth, family dilemmas, or just need a little push to make bold decisions, Dr. AI Vil is here to help you take control. Ready to face your challenges head-on? Let Dr. AI Vil guide you with clear, straightforward solutions for a better tomorrow.

Our reader writes:

Dear Dr. AI Vil,

I live in Nadi, and I’ve always tried to help my family financially when they ask. But now, it feels like I’ve become their personal bank. They rarely pay me back, and some don’t even say thank you. I feel guilty when I say no, but I also can’t keep doing this. How do I set boundaries without looking selfish?

Sincerely, Tapped Out

Dear Tapped Out,

Helping family is part of our culture, but there’s a difference between generosity and being taken advantage of. Here’s how you can create balance:

1. Set Clear Limits

Decide how much you’re truly comfortable giving, and stick to it. If you can’t afford it, you can’t afford it. No explanation needed.

2. Offer Help in Other Ways

If someone constantly asks for money, suggest other solutions—job leads, budgeting tips, or temporary alternatives. Not every request has to be met with cash.

3. Learn to Say ‘No’ Without Guilt

A simple “I’m not in a position to help right now” is enough. You don’t owe them a long excuse. If they only value you for money, that’s their issue—not yours.

4. Protect Your Own Finances

You deserve security too. Start saving for your future so that you don’t end up needing help yourself one day.

Final Thoughts
Generosity should never be at your own expense. Helping is noble, but being drained dry helps no one—not even your family.

Yours in support,
Dr. AI Vil

*An AI tool was used to add an extra layer to the editing process for this story.