<prompt> Human: Hi Im writing in regards to my 28 year old brother-in-law, who just recently got a 120,000 injury settlement while working as an iron worker. Hes talking about trying to open up a franchise restaurant, but this doesn t sound like a great idea to me. Im also concerned for him because hes getting a lot of advice people who have not had the best track record with their financial history. Im hesitant to put my 2 cents in, because I really dont know what i would do. I would just like for this money to go a long way for him and give a good leg up on lifeOh a little more background information. Hes single , no kids, lives with his parents, and really has no bills or credit debt at all besides a cell phone bill. Any helpful information would sure be appreciated. Thanks  <response>: 1 thing to remember: Your BIL is getting a lot of unwanted advice...even if your advice is the best, it may still be unwanted. I would KISS Keep it Simple, Stupid and let him know that there are financial advisors that work for fee for service and have a legal obligation to work in their clients best interest. These advisors dont get commission from having him invest in certain funds, unlike some advisors who work on commission as an example, remind him that the tipped server has an interest in selling you a 2k bottle of wine. The non-tipped service has less motivation in a 2k vs 500 botle. nafpa.org can help him find these services 