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The story sucks to be honest. First of all because of the percentage you mention, but is there that much difference between $5,000 and $27,000? If he had said that $5,000 got him $500,000, it would seem to me to be a considerable difference.

And besides, it was the only way he could get that $22,000 difference? I don't know, maybe taking a loan to invest in his company would have made more sense.