"Well to give your readers a little more meat to chew on 'pun intended' - I shall explain. He lives in a tent on some land and he is a hot hippie pothead who wants to move in with me. He has borrowed money twice and currently has a neg balance of $350 with me. I'm not 'giving' him the money, it is a loan - just concerned if I stay with him he may make me poor. I like him, he cooks, he is tall, he is hot, he is sweet and he is smart - just not good with money/job stuff....he is 33."
Not sure if this will change the advice, but I do want to help her out if I can and she's interested in your views.