Well said, and especially worth knowing on a website where potentially so much money is involved all the time. As for point #3, five dollars is definitely worth finding out who your real friends are. It kind of ties into the other points because you'll definitely find out who your real friends are if you're broke.

When you find loyal, trusted friends, don't let them go. They're one in a billion. Strong friendships are alliances that survive the rough times and help build us up no matter what we're going through.