Request: A friend in need asks for a Trump-worthy loan.

What you should say: "I wish I could, but as a rule, I don't lend money to friends."

Why it works: It's clear that you are not singling out this person as untrustworthy.

Why you shouldn't feel guilty: Lending any amount of money can cause problems, says communications trainer Don Gabor. "It can change the nature of your relationship if the person doesn't pay you back."

How to avoid the situation in the future: Never lend money to friends and you won't get a reputation as a walking, breathing ATM.