<prompt> Human: Hey guys first time poster long time lurker. Heres my dilemma.My fiancé has been working at a tanning salon for the past two years while attending community college. She just graduated with her associates and a marketing certificate of some kind. The owner is talking to her about buying the business and she is really interested however I do not think it is a good idea.The owner so far has made an inventory list with the total amounting to about 58,000 and she wants to sell it to my fiancé for 116,000 and some change. The kicker is that she wants a 40,000 down payment which is what the total of the tanning beds comes to so I understand that but holy smokes. The business makes roughly 4,500 a month but the owner said expect 2,500 of that to go to electric and rent. The owner has also offered to owner finance at little to nothing as far as interest goes. There is a back area was used for hair stylist to rent but no longer is used so my fiancé wants to reinstate that or fur use for nails.My fiancé is 22 has 9,000 in savings, has never had a loan before and therefore has no credit. She has been paid under the table tax free at the salon and as a dance choreographer for the past four years so she doesnt have a financial record either.Im 24, have a 727 credit score and 47,000 debt myself 41k mortgage, 1.5k student loans, and one 4.5k credit card. I make a little over 32,000 a year with no assets and no savings myself. Her mom doesnt think its a good idea but her dad is pushing for her to do it. I dont think its a good idea. My check covers my bills and not much after that. We have talked about moving in with her grandma who has a large house and either renting out or selling my house a 3 bed 1 bath that when I bought it a year ago it appraised for 63k.Based on these numbers I dont feel it is a wise financial move to start our lives out on. Or am I missing out on something here? Ive provided all numbers Im aware of but could nonchalantly ask for more info if you guys need it. Thanks in advance!  <response>: Its a terrible idea for all the reasons people mentioned, the idea of paying 116K to get 24K a year minus employees costs less than minimum wage for the owner, its completely absurd! And the current owners are cheating on taxes, who knows what other shenanigans theyre up to.And theres also a wave of new state laws regulating the tanning industry, because it gives people cancer. See this link for info... ncsl.orgresearchhealthindoor-tanning-restrictions.aspx 