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Dear LFTP October 19, 2026 · 1:16:01 · 3 min

Dear LFTP: the $4,200 loan that never came back

  • How do I get past the sadness over the $4,200 loan my friend never repaid — do I just let it go?

The final Dear LFTP letter: a year ago a supposed friend asked to borrow money — her husband had left the country to renew his visa, her car was repossessed, she had no way to get to work. The writer lent $3,000 to get the car back, then another $1,200, thinking of her kids. The husband made it back, both are working now, she ignores texts about the money — and they just took the kids to Florida. 'How do I get past this sadness? I could really use the money back. Do I just let it go?' The room: yes — 'just write it off, it's a gift.' Never lend money expecting it back; if you do, you'll be the person glaring at the 20-ounce Dr Pepper in their hand and unable to enjoy their vacation for them. The Secular answer agrees: 'you should have let it go the moment you handed the money over... always consider it a gift and be pleasantly surprised if they ever pay you back.' And stop lending to them — not because of how it affects you financially, but because 'you're enabling them to make very poor decisions': 'if you love them enough to give them the money as a gift, you also should love them enough to withhold the money so they figure out how to deal with money.'

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