<prompt> Human: Edit: Thank you all the mostly constructive comments. This got way more attention than I expected. My husband and I are reading all of the responses. We grew up in a world telling us to follow our dreams and we can do anything we want if we work hard. But doing this at this point in our lives is simply foolish. Honestly, we had almost reached that decision but I wanted opinions from someone without an emotional attachment. And we got plenty of those. Barring pun intended a magical windfall, my husband is going to finish school.I29F am hoping I can get some objective advice. My husband 29M has an opportunity to start a retail and bar business that looks promising. It would cost us only 15k for 50 ownership of the company. The start up costs would be way more but his would-be partners family is going to fund the rest, at around 40k. His partner is also investing 15k of his own money and wants us to simply match his amount. This has been his dream for some time. The problem is we dont have 15k and in fact are in debt from student loans at about 40k. Which all in all is not too bad except that he is currently 8 classes away from graduating with a bachelors degree in math. He would have to drop out, and the debt we have been accruing for years would have been for nothing. This offer is in another state, so he couldnt continue school part time or even transfer because he is too close to graduation. If the business failed, and he returned to school, by then we would no longer be residents and couldnt afford tuition. I support my husband financially while he is in school. I make around 60k per year. I am happy to be the provider right now, and have never resented the fact that I am in this role because my husband is a wonderful man who I know would do the same for me. My salary would cover us while he is getting the store off the ground, but likely in a paycheck to paycheck way. Plus starting a business is always risky. I cant help but feel like we would be putting our financial future in jeopardy.He is devastated at this offer happening now. He knows it is not the right time. But so many people say you should follow your dreams. And this is such a good opportunity. Any other time it would cost us a lot more to get in the door. So do we take the chance at this paying off in the long run and in the mean time my husband gets to pursue something he loves instead of something he tolerates? Or do we pass, and continue on our current path? TLDR: Do we follow my husbands dream of opening a new business at a start up cost of only 15k when it means dropping out of college so close to graduation and dealing with 40k of student loan debt plus whatever debt we incur from new business?Assistant: No its horrible timing. 1 you cant afford the 15k. 2 he needs a degree of you dont have cash and have debt3 most small businesses fail. On top of that owners usually cant take home money right away which means debts cant be serviced. 4 what kind of restaurant bar only needs 70k cash? I think someone is doing some math wrong. Human: Its not a restaurant. A bottle and draft shop where you can stay for a pint. The numbers are right. But Ill take your points 1,2,3.  <response>: Stay away from bars and restaurants especially with partners. I wont touch them as a commercial lender. 