Write the next sentence in the following story.

How to lend money to family
Determine whether the family member asking for money is responsible enough to return it.
Only you can decide if a loan will be paid back. Obviously, a family member who is habitually overspending and is currently in debt would not be a good person to lend money to.
Make sure that you have the money to spare before lending money to family. Do not get yourself in a financial hardship just so you can bail out a family member.