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May 9, 2022 – Joint finances and any money matter closely related to loved ones can be a potentially touchy topic. This means you might need to take a firm stand with anyone (especially family members or old friends who have a habit of hitting you up for loans) who hasn't proved to be financially responsible in the past. While you might feel momentarily guilty for not helping them out, the amount of trouble you've saved for everyone more than makes up for it.