. please save yourselves the savior complex. if you want to help people, the first person you gotta take care of is yourself. this is not just a selfish statement, this is the responsible thing to do - you cannot really help people by loaning them money if you have to borrow it yourself. . besides if everyone helps the self first - and you be the example - then there is no need to worry about at least the people who can help themselves. so any help you provide in the future will be focused on those who really need it.