Smart moves, all, Kell. Earl and I were just discussing this stuff this morning. Rule #1 of lending: If you can't afford to lose it, don't lend it.

That goes for your cash, credit, credibility, property, reputation and everything.

This gal is wading through quicksand of her own making, why would you feel guilty unless you somehow contributed to it? Add to that, if you went out of your way to help her, you would be contributing to it!

I have/had a friend who only calls when she wants something. How did I cure it? I started saying, 'no', without explanation. It's your choice, you make it. Simple. I literally say, "Well, I'm not going to do that." No apology or excuses/explanation. Just put it in place and see what happens.