<prompt> Human: Hey guys. Im interested in taking a loan of about 10-15,000 euros with the purpose of investing in a couple of European p2p investment platforms. The return I get from these platforms varies from 8 to 23. The interest I would pay back my bank over the next 8 years would be of about 4.5. Im not an economist, nor a well established investor, so I wanna hear some opinions on whether this would be a good idea..or a horrible one, taking into account the news of a possible recession. This is a shot at having an early retirement or being better off after 45. Hit me!  <response>: I have an annual return of 1.8 now with geldvoorelkaar.nl, a P2P website which promised 8 returns. This is due to 20 of my loans defaulting. I hope none of the remaining loans default, otherwise Ill be seeing a loss. 