Dad , I ’ d like to borrow some money .   Sure , Johnny , how much do you need ? five bucks ?   Come on , Dad , I need thirty thousand . I wanna get into the market . You know , I ’ m tired of hearing all this news about the economic downturn , the inevitable recession , people stuffing their money in their mattresses . I look at this as an opportunity . This is a chance for me to get a jump start on building my nest egg . 