A distressed single mom called me the other day because her daughter was in a crisis. The daughter couldn’t afford to pay a $300 car repair bill, and beyond that, probably needed a new car, which was going to cost a lot of money. Of course, the mom wanted to help just like she always does when one of her three kids or grandchildren needs a lifeline. But, every time she gives, the funds tend to disappear without any accountability for how or when they were used.