Borrowing money is a risky transaction, so be smart and ask this question first to avoid the situation of “borrowing but not repaying.”

When someone borrows money, if you directly respond with "How much do you need?", they may think your money is easy to borrow, and naturally, they won’t feel rushed to pay it back. Therefore, when someone asks to borrow money, don’t immediately ask that question, but instead remember the following to increase the chances of getting your money back and to reduce the risk of losing it.

First, ask the other person the purpose and reason for borrowing. Then, don’t forget to ask when they plan to repay it. This is an important principle when someone borrows money from you: if the reason is reasonable, you can help them within your ability, but if not, it’s better to politely refuse or reduce the loan amount as much as possible. Always remember to set a clear repayment date to avoid the situation where they “borrow with no intention of paying back.”

In short, remember this: lending money to others is an act of kindness, not lending is your responsibility. Be cautious with every penny earned through your hard work. It's your hard-earned money—don’t wait for others to decide its fate!