Question: I have a Christian friend in need, but if I give him money, I’m quite sure he will misspend it. Should I direct how the money can be spent? Would I be better off giving or lending it to him? Response: It’s great that you have the heart to help your friend! Here are some thoughts for you to prayerfully consider. (1) Help him get some financial coaching. I suggest either from the Dave Ramsey organization (www.daveramsey.com) or Crown Financial Ministries (www.crowwn.org) . (2) Once he gets a clear picture of his finances—a budget—consider helping him NOT by giving him cash to help pay his bills, but by paying one/some of his bills for him (write a check to the electric company, etc.). (3) Remember, the Bible says that the borrower is servant to the lender (Proverbs. 22:7). My experience is that if you lend your friend money it will change your relationship and you often lose your friend, the capacity to help your friend, and the money you lent your friend. Generally speaking I would not lend him money.