Kristin Cavallari says she learned a painful $250K lesson involving her father at 22

Kristin Cavallari is reflecting on a painful lesson after lending her father a quarter of a million dollars.

During a recent episode of her podcast "Let's Be Honest with Kristin Cavallari," in which the 39-year-old reality star shared her opinions on women and finances, Cavallari recalled how she ended up $250,000 "in the hole" following two loans to her father Dennis Cavallari that were never repaid.

"My dad came to me — I was filming The Hills, so I must have been 22 — and asked for a large sum of money to borrow. Six figures," she said.

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"And I was making great money at the time, but its still — Im 22," Cavallari continued. "Six figures is a big deal for me."

"But I lent it to him, and he promised me he would pay me back," the Uncommon James founder remembered. "He probably said six months, and he was going to give me interest on top of it. And, you know, well, I didnt get paid back. And instead, he asked to borrow more money, another six-figure number."

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Cavallari said that she confronted Dennis about not repaying the first loan but ultimately relented.

"I said to him, You havent even acknowledged the first payment, and now you want more money?" she recalled. "But because Im such a f-----g sucker — or I was at the time — I lent him more money."

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The "Laguna Beach" alum admitted she has no expectation of ever getting the money back.

"I will never see that money," she said. "So, when I tell you, Im in the hole with my own dad, a quarter of a million dollars."

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"Talk about a bad business decision," Cavallari added.

However, the TV personality acknowledged that the experience taught her the importance of setting boundaries with family and friends when it comes to money.

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"I didnt know how to set boundaries in my early 20s," she admitted. "Ive learned that. You know, it would be a very different conversation probably today, but its the lending-money-to-people thing."

"When you have money, its almost like people expect it," Cavallari continued. "And you are in no way, shape or form required or obligated to lend anybody money, especially if youve worked your f---king tail off for that money."

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"Like I have worked my ass off for all of my money," she added. "And so I think thats why probably that stings