The BankOfGaga Blog
Lending money to family,
without ruining family.
Practical, plain-English writing about family loans — how to set them up, how to talk about them, and the boring math that quietly changes lives.
May 6, 2026 · BankOfGaga
The Part Nobody Writes Down (And Why It Matters)
Most undocumented family loans are fine — until they aren't. Here's what actually goes wrong, when it happens, and the fifteen-minute fix.
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May 6, 2026 · BankOfGaga
A Family Loan Agreement Is Five Things. Most People Skip Three of Them.
A family loan agreement is five things. Most people skip three of them. Here's what goes in it, why each part matters, and what happens if you leave one out.
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May 2, 2026 · BankOfGaga
The IRS Has an Opinion About Your Family Loan (And It's Probably Not What You Think)
Family loan IRS rules in plain English: the AFR, the $10K carve-out, when you actually need a CPA — and how to make the worry vanish in five minutes.
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May 2, 2026 · BankOfGaga
The Boring Math That Saves Your Kid $89 (and 8 Months)
An extra $25 a month sounds like nothing. On a real loan, it's an aha moment that quietly changes how someone thinks about money for the rest of their life.
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May 2, 2026 · BankOfGaga
How to Lend Money to Family Without Ruining Thanksgiving
Most family loans don't go bad because of the money. They go bad because nobody wrote anything down. Here's how to lend without losing the relationship.
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