When a family member comes to you and says, "I want to borrow from you," here's the right strategy. I've done this myself and it works. You don't have to borrow from me. I'm going to gift you this money on one condition. You never ask me for another dime again and we never bring this up. This is my gift to you, but it's over. We don't have to talk about it. Never lend or borrow situations between in-laws. Just gift it to them. Otherwise, bad things happen.