Part 1: Starting your own business often means that you will be taking out loans, and in that case you are the one providing the return for the bank on their investment in you.  On the other hand, when you save money and invest towards your retirement or home or equipment etc., you are the one benefiting from someone else taking out a loan, or paying dividends, or improving their product and so raising stock value in their business.  You will doubtless be a borrower and an investor at some time in your life, paying interest and earning interest.  How do you feel about that?  Is compound interest ethical in your opinion?