My dad that is. First my brother went through a messy divorce which was paid for by my dad who took the money out of his retirement savings to the tune of over $10,000... I'm not even close to kidding on the amount. Then him and my sister were going to get a coffee house franchise. After giving a down payment on the investment it took something like two years and finally the bank told them that they should proceed with EXTREME caution if they go through with it. Now that's not going to happen and the person is MIA with their down payment so they are pretty much out that money unless they want to hire and pay for a lawyer. NOW they want to get some other franchise. Some T Zone whole body vibration workout machine thing. They've been using it at the gym they joined so then they bought one (over $2000). Now they want to buy a franchise for it. Oy vey.. didn't they learn from the first thing? I mean... it's their money and they can do whatever they want with it but when my dad is always complaining that he can't afford to retire and my sister complains that she can't afford to be a stay at home mom.... STOP THROWING YOUR MONEY AWAY. ARGH they are so gullible. They would buy a penny for a thousand dollars if someone told them it was a magic penny. Good grief. My dad is hemorhaging his retirement money all over the place.