system
A chat on subreddit /r/me_irl
human
Depends at what point in knowing someone and how out of step that is. If someone lays this on you within a few weeks, it's not a good sign. If someone you've known for 4-5 years, who never asks for money says that, it's a different story.
gpt
Nah the point is that if you can’t come up with $40 in a pinch, that means you don’t have things like a couple of months of expenses saved in the bank in case of emergencies, high credit limits on credit cards that you pay in full every month, etc. and if you don’t have those things, you probably don’t have any retirement savings, etc. So if you can’t come up with $40, you are actually “short” thousands of dollars or tens of thousands of dollars from a financially stable life.