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Should you lend money to your loved ones? NPR listeners weigh in

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Should you lend money to your loved ones? NPR listeners weigh in

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Photo illustration by Becky Harlan/NPR


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Has a friend or family member ever asked to borrow money from you?

Earlier this month, Life Kit asked our audience this question for an episode we did on the social etiquette of lending money. The act of generosity can unite people in times of hardship. But it can also complicate relationships — especially if the borrower doesn’t pay the loan back.

We received nearly 50 emails on the matter. Many of you reiterated a general rule we discussed in the episode: if a loved one asks for a loan, give the money as a gift if you can afford it.

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But we also heard different perspectives. Some of you told us how lending money destroyed your friendships. Some offered advice on how to get money back from a negligent borrower. And others shared heartening stories about how the funds changed a person’s life.

Here is a selection of listener responses. These have been edited for length and clarity.

Use the loan as a teaching moment

Early in their marriage, my son and daughter-in-law had trouble making their paychecks stretch — and started asking my hubby and me for money.

I said yes with a couple of strings attached. First, it would only be a one-time thing. Second, they had to keep track, in writing, of how the money was being spent so I could see where the money was going. They were not thrilled with the idea, especially because I would see how they spent their money, but I didn’t care.

The exercise made them aware of where the money went. It only took a couple of months and they were living within their means. They are now doing well. They purchased a house they could afford when interest rates were low. —Joan Shurtliff

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Saving my friend from high interest rates

My friend had a situation where she was in credit card debt on a card with a high interest rate, so I paid it off for her. It was over $500. I told her to pay me back over time.

It didn’t make sense to me that she should waste money on interest. My parents fronted me money for two months of credit card bills between college and my first post-college job. I paid them back after I had some paychecks under my belt. My friend’s family doesn’t have that luxury, and I don’t think she should be penalized for that. —Yvonne Marcoux

Don’t be afraid to ask for your money back

A college classmate of mine was hard on his luck. He had become unemployed for a spell and was having difficulties making ends meet. He asked if he could borrow money. I lent him $500 with the expectation that when things were better, he would pay me back.

After about two years, I called it in. I felt uncomfortable because I couldn’t tell for sure if he actually had the means to do so, but he was now employed. It took him a couple months, but he paid me back in full. —Mariann Duya

Consider their character

One day, a good friend of mine — a former roommate and tenant — sent an email to me and some friends. He just lost his job and humbly asked all of us if he we could loan him money for one month’s rent.

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It was unusual for him to ask for such a loan. My friend is a hardworking man who is responsible with his money. He was a dependable roommate and tenant who always paid on time.

I consulted with my wife. She suggested that we lend him the full amount and consider it a gift. We were in a financial position where we could afford to do so. My friend was very grateful. From what I understand, we were the only ones in the group email to lend him money.

About a year later, after he found another job and got back on his feet again, he paid us back in full. It was a pleasant but not total surprise considering his character and our friendship. Though we were totally fine with letting the money go as a gift, it was nice to know that friends can keep their word too. —Oscar Fornoles

So far, so good

I often lend money to family, partners, friends and coworkers. I even proactively offer loans. They also lend me money. I can only remember one issue over very little money that I lended to a guy I didn’t know well. Maybe I’m lucky? Maybe it’s my environment? Do I choose my friends well? —Daniel Garzón

Glad I made it a gift

Several years ago I loaned $500 to a longtime friend. She was going through a hard time after a rough divorce. Out of compassion for her situation I wanted to help.

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But before I did that, I asked myself if I was prepared to never see that money again. I’m glad the answer was yes — because she never paid me back or ever mentioned it. —Salvatrice Kemper

Thank you to everyone who responded to our call out. To take part in our next audience-generated story — and get great life advice from experts — sign up for Life Kit’s weekly newsletter.

This story was edited by Meghan Keane. The visual editor is Beck Harlan. We’d love to hear from you. Leave us a voicemail at 202-216-9823, or email us at LifeKit@npr.org.

Listen to Life Kit on Apple Podcasts and Spotify, and sign up for our newsletter.

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Video: Stephen Colbert Closes Out “Late Show”

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Video: Stephen Colbert Closes Out “Late Show”

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Stephen Colbert Closes Out “Late Show”

Stephen Colbert signed off for the last time from “The Late Show” on Thursday. His final guest was Paul McCartney and together they performed the Beatles’ “Hello, Goodbye.”

“Tonight is our final broadcast from the Ed Sullivan Theater.”

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Stephen Colbert signed off for the last time from “The Late Show” on Thursday. His final guest was Paul McCartney and together they performed the Beatles’ “Hello, Goodbye.”

By Julie Yoon

May 22, 2026

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L.A. Affairs: I married at 51 after decades of being single. My dog turned out to be the better companion

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L.A. Affairs: I married at 51 after decades of being single. My dog turned out to be the better companion

In the past two years, I’ve changed my pronouns twice. But I’m not talking about my gender identity. I’ve always been a cis she/her/hers woman. I’ve also, for most of my life, been single, an I in a sea of coupled we’s.

The world prefers a we to an I, especially if you’re a woman. If someone casually asks what you did this weekend, responding “I bought a Christmas tree” is a sad, lonely statement to most listeners. Responding “We bought a Christmas tree” is a happy, cozy statement, reflecting that you will not be spending Christmas alone, or, one can infer, most likely dying alone too.

I, like many women, was raised on the myth of marriage. Growing up in the San Fernando Valley in the ’70s and ’80s, it was a foregone conclusion I’d get married one day and have a family. My mom often would say, “Just wait until you have kids of your own,” when she thought I was being difficult. She continued to say this into my 40s, at which point I’d respond, with sadness and self-pity, that, at my age, I was probably never going to have kids or get married.

Finally, well into middle age, I stopped caring about getting married and focused on how good my life as a single woman was. I lived in an ocean-view apartment in Santa Monica. I’d built a successful small business. I had great friends. I’d adopted a dog, Fofo, the best decision of my life.

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Then I met the love of my life. Vagner was tall, unbearably handsome and disarmingly charming.

We found each other on an app and met up for the first time at my community garden plot on Main Street, then got ramen at Jinya. From that moment on, we were together. Vagner loved the Santa Monica Pier, which he’d seen in a video game he’d played with his teenage son in Rio. The pier was a short stroll from my apartment, and when we walked Fofo at sunset, Vagner always wanted to climb the wooden stairs and take in the glorious view from the pier. He was like a kid experiencing something from a movie in real life, and seeing the city through his eyes gave it a new sense of wonder.

When I broke my shoulder six weeks into our romance and needed surgery, he stayed with me in the hospital and moved in to care for me. Only an amazing guy would do that. One evening Vagner got down on one knee and proposed. We were in love. He was in the U.S. on a six-month tourist visa, and to stay together, we had to get married before his visa expired. Vagner was the most loving, caring man I’d ever known, so I said yes.

We got married three months after meeting, and Vagner turned into a different person 24 hours after we said, “I do.”

The toothpaste he bought at Costco lasted longer than our marriage.

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But for the 11 months we were married, I experienced the glory of being a we instead of an I. Suddenly I was part of a giant club, the Partnered People. While it wasn’t an exclusive club, it still felt wonderful to finally get in.

I relished speaking in the plural. I loved talking to my married friends about us, our marriage, our life. I was no longer left out.

If I could find love and get married for the first time at 51 — in L.A., a city notoriously difficult for dating, especially for women over 40 — anyone could.

When I began to confide in married girlfriends about our problems, they unfailingly shared their own marital struggles, things they’d never mentioned when I was single. Over sushi and spicy margaritas at Wabi on Rose, a longtime friend advised me about how to give your husband wins, build up his self-esteem and keep from overwhelming him with perceived demands. I was grateful for her advice, and though I tried the strategies she’d suggested, nothing I did made any difference. Vagner was shut down, emotionally absent and prone to walking out every time we had a disagreement.

Still, I clung to my newfound identity as a we, even though there was very little us in the marriage. Even being unhappily married, I was still part of the club.

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“It doesn’t matter if you date for 10 weeks or 10 years, people change after they get married,” I heard from more than one sympathetic soul. I took some comfort in this since I was beginning to blame myself for getting married too quickly.

The truth of the matter was, we had a far bigger problem than adjusting to being married. Believing we were simply two good people who’d rushed to the altar under the influence of euphoric new love and the pressure of an expiring visa was far less painful than the truth.

In our first conversation, he told me he was a lawyer. In reality, he was an ex-military police officer who’d been dismissed for misconduct. But his biggest omission was neglecting to tell me about his second child, a 13-year-old son who bore his full name, whose existence I discovered three months into our marriage when he disclosed it on an immigration form. He claimed the child wasn’t his but the product of his ex-wife’s infidelity.

Also, Vagner rarely wanted to spend time together. The moment he got his employment authorization, he announced a plan to take a job in Florida as a long-haul truck driver. On Christmas Eve. That was the beginning of the end.

The reality, which I only began to absorb bit by bit after I ended it, is that my husband was not only a prolific storyteller but also a master manipulator. I was lucky to get out with only a broken heart, not a broken life.

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As good as it had felt — at least briefly — to finally be a we, there was no denying that I had been far happier as an I. As I walked Fofo by the beach, cuddled with him on the couch and threw his ball at Hotchkiss Park, I realized he was a superior companion to my ex-husband.

Fortunately, I hadn’t changed my name, so the only thing I had to change back were my pronouns. There was not even one tiny part of me that missed being able to refer to myself as we, so immense was the relief of freeing myself of Vagner.

Although I forfeited my membership in the Partnered People club, I became a member of another, equally nonexclusive-but-far-less-touted club, the Happily Divorced Women.

The author is the founder of Inner Genius Prep, a boutique educational and career consulting company. She lives in Santa Monica, holds an MFA in creative writing from Brooklyn College and is working on a memoir about having a mystery illness. She’s on Instagram: @smgardengirl.

L.A. Affairs chronicles the search for romantic love in all its glorious expressions in the L.A. area, and we want to hear your true story. We pay $400 for a published essay. Email LAAffairs@latimes.com. You can find submission guidelines here. You can find past columns here.

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‘Star Wars: The Mandalorian and Grogu’ may not be the way : Pop Culture Happy Hour

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‘Star Wars: The Mandalorian and Grogu’ may not be the way : Pop Culture Happy Hour

Pedro Pascal in The Mandalorian And Grogu.

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The Mandalorian has made the jetpack-assisted leap to the big screen with the new movie Star Wars: The Mandalorian and Grogu. The laconic bounty hunter (Pedro Pascal) and his cute sidekick Grogu are hired by the good guys to do a job for some bad guys. You know what you’re gonna get – creatures, droids, easter eggs, and lots of fights. But, after three seasons on Disney+, will folks go out to the theaters to watch something they’ve gotten to know on their couches? 

Follow Pop Culture Happy Hour on Letterboxd at letterboxd.com/nprpopculture 

Subscribe to Pop Culture Happy Hour Plus at plus.npr.org/happyhour

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