My cousin's parents both died relatively young (mom first, then father). My cousin late 30s when her mom (my dad's sister) died. I don't know the exact amount she inherited, but her parent's house was valued at over $2 million, was paid off and the dad was a hotshot surgeon who had a garage full of cars, tons of stocks, CDs, bonds. I was never privy to the full amount but it was supposedly over $3 million.
5 years later, she's dead broke. Blew through it all on extravagant travel, asinine business ventures, giving money to her friends, putting her 3 kids in a very expensive prep school and probably drugs/booze. Her husband's a deadbeat who bounces between low paying jobs. She called me last night asking for an emergency loan to pay for her $4000/month apartment lease this month (she sold her parent's house years ago). She left a voicemail and I haven't responded. What's the best action here?