10 Questions to Ask Before Your Friend's 'Amazing Opportunity' Becomes Your Financial Nightmare!
You've worked too hard for your money to lose it on a friend's dream. Here's how to invest smart without losing relationships.
Ever had that sinking feeling when your friend pitches their 'revolutionary' business idea and you know they're about to ask for money?
How did that work out?
Peter Thiel invested $500K in Facebook in 2004. By 2012, he'd made over a billion dollars.
But here's what they don't tell you: 70% of businesses don't survive 10 years. So for every Facebook story, there are countless tales of lost friendships and vanished investments.
Your friend just pitched you their "revolutionary" business idea.
The excitement is real, the potential seems massive, but... should you actually write that check?
Before we dive in, here's what I've learned from working with countless investors: even smart people make terrible investment decisions when they don't have a clear framework.
They get caught up in emotions, FOMO, or the pressure of saying yes to friends.
That's exactly what Beat The Odds fixes: giving you the structured process to make confident financial decisions, whether it's friend investments or anything else.
Registration ends today. Secure your spot here before spots get filled up.
The Reality Check Nobody Talks About
When your friend says "invest in my business," what they're really saying is: "Give me money with a 70% chance you'll never see it again."
That doesn't mean don't do it. It means do it smart.
The 10 Things Smart Investors Ask Before Funding Friends:
1. Do Your Goals Actually Align? If your time horizon doesn't match theirs, or you want different things from this investment, stop right there.
2. Do You Understand The Business? If you can't explain their business model to a 12-year-old, don't invest. The surest way to create wealth is solving real problems people will pay for.
3. Is It Viable On Paper? Even the best-laid plans can fail, but if the numbers don't work from day one, they definitely won't work in reality.
4. Can You Live With Losing It All? Calculate your downside risk. If losing this money would hurt your financial goals or strain your friendship, walk away.
5. Do The Terms Actually Work For You? Interest rates, equity percentages, dividend policies, timelines—if any of these don't work for you, negotiate or walk away.
6. Are You Treating This Like Real Business? Document everything. Use a third party for agreements. Friendship ends where business begins.
7. Does The Founder Have Skin In The Game? If they're not risking anything significant while asking for your money, that's a red flag. Passion without personal stakes rarely survives tough times.
8. What's Your Exit Plan? Before you invest, know exactly how you'll get out. Set clear milestones and timelines.
9. Are You Staging Your Investment? Don't hand over lump sums. Structure payments tied to specific achievements. This keeps everyone aligned.
10. Can You Afford This Level Of Risk? Remember: 70% of businesses fail within 10 years. Diversify accordingly.
Here's The Truth
Most people focus on potential returns first. Wrong approach. The right question isn't "how much will I make?" but "how much can I afford to lose while still supporting my friend's dream?"
Your friend's business might be the next Facebook. Or it might not. But with the right framework, you can support them without jeopardizing your financial future.
The difference between those who build lasting wealth and those who don't isn't luck or avoiding all risks. It's taking only the risks you can afford to lose.
Is this you? You earn well, BUT...
Your finances feel like a constant struggle with no clear direction
You've worked hard, but your bank balance doesn't reflect it
You're watching inflation erode your hard-earned money
You have tried investing but lost money in bad deals
It doesn't have to be this way.
Beat The Odds gives you the CLARITY, TOOLS, and RESOURCES to:
Put your finances in order
Secure your finances from inflation
Build sustainable wealth in uncertain times
We'll help you create a clear financial plan, protect your money from rising costs, and build wealth—even in uncertain times.
Registration ends today but there's still a space for you!
Here's the link.
Today is the last day you can register! Join us on June 28th. Your money deserves better.
This Week's Nugget: Getting Wealthy vs. Staying Wealthy Are Two Different Skills
Housel makes a clear distinction: Getting rich often requires taking risks, being optimistic, and seizing opportunities. But staying rich? That’s a different game—it takes humility, discipline, and a healthy dose of fear.
He puts it simply: “Good investing is not necessarily about making good decisions. It’s about consistently not screwing up.”
So while ambition might help you build wealth, it’s caution, patience, and consistency that help you keep it.
Ask yourself: Are your money habits helping you gain wealth—or preserve it?
Get the Book Here and let’s discuss!
Help Us Help You Better
What's your biggest challenge when friends ask you to invest in their business?
Not knowing how to say no? Worried about damaging relationships? Tell us in this quick survey so we can address your real concerns.
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Until next week,
Oler.