<prompt> Human: Hi everyone. Im pretty new in here. Ok, so I have a financial opportunity with my business partner coming up soon. I got him in a position where he could build up his business and personal credit to get a large sum of credit to help us invest and build a restaurant business. Thing is, we have a lot more money than we need. We want to capitalize on it. Im 26 right now and hes in his mid 30s and we were thinking maybe real estate or something of that nature but it seems we can do more than that. We are located in Ohio too by the way, dont know if that helps. What could we do?  <response>: dont borrow more than you need. generally speaking, you will almost always lose money because: the interest rate on the borrowed money will be higher than the return the investment risk could cause you to lose money, but youll still owe the borrowed money back the terms of the loan may prohibit the kind of speculating youre attempting i.e., diverting funds from a business loan to a different venture. this would be fraud, which is a no-no. 