Just a quick one to mention after reading all of this (by the way, great job on all of the screenshots! this must have taken forever to compile!) - if you're lending someone money, or 'investing' etc, make sure you ALWAYS specify a timeframe for the return. Saying "whenever you can afford it" can lead to waiting a LONG time for the money to come back, because there's always the excuse of "I can't afford it yet".