●The investment plan was crashed after a year●During my service year, I met a young lady who was my closest colleague in the office. At a time, a business that has to do with investment came up and I was connected through her. Having invested with borrowed money, and She (Afolake) invested from her savings, unfortunately, the investment plan crashed after a year which kept me under financial disaster while Afolake express relief having observed her case was better than mine although she invested more.On second thought, I felt bad again realizing I didn't take up any insurance coverage. This pathetic scenario took place a few months after I gainfully engaged a group of farmers into taking up an insurance policy for their farm. I learned my lesson in a hard way.●Quick Advice●Any business transaction that seems too good to be true, please do have a second thought and verify accordingly.Investment through borrowing for a newbie is dangerous, seek counseling, and try other alternatives. Financial Planning is so important that you shouldn't embark on money exchange in the form of business if you have not budgeted for it. Recall that in budget one can set aside a percentage for such situations.