Family loans can get complicated — fast. This episode explains what makes an intra-family loan a true loan (and not a gift in disguise). Learn the key legal requirements, from written promissory notes and minimum AFR interest rates to structuring loans through a revocable trust to avoid probate. We also cover what happens if a loan isn’t repaid before death and how to address it in your will or trust. If you’ve ever loaned money to a loved one—or plan to—this episode helps you protect both sides and keep things clear.