There's nothing wrong with having a 9-to-5 job, but figure out a way to have another stream of income.
Having a separate fund for the things in life that happen, helps keep the emergency fund in tact in case you lose your job or income.
Set up rules for when you will "give" not lend money. Never lend. My people know that I'll help with college. I'll help if they lose they job thu no fault of their own.