Life is good. You are attending a backyard barbeque with your wife's extended family. Half of them owe you money.
Life is about to get bad.
You listen to him and then realize, with some surprise, that his latest idea is actually an excellent one. He has even prepared a written business plan, contrary to his usual lack of attention to detail. You agree to loan him the money required to start the business. He is so overcome with gratitude that he makes you a 15 percent shareholder in the new corporation. The expert draws a salary in the six figures and has an extremely bright future.