Why This Matters
Loans to friends are gifts wearing a disguise; price the friendship first.
Before the Transfer
Only what you can lose
Gift-in-heart decision made
Terms written anyway (respect, not distrust)
Repayment awkwardness pre-gamed
One-time vs pattern honesty
Gotchas & Consequences
The friendship usually breaks at the second ask, not the first.
Unwritten terms guarantee two different memories of them.
LD-040Everyday ChecklistsPage 1 of 1