You shouldn't trust a liar.
Andy's friend is known to lie, but he's trying to get Andy to invest in his new fund.
Andy has to decide whether to invest in his friend's fund.
Andy thinks that his friend's offer is too attractive to be true, so he denies the offer.
Andy decides to put money in the fund, and it ends up being a pyramid scheme.
Andy is able to save his money, and he doesn't have to worry about his friend having his money.
Andy feels like an idiot, and he ends up losing a lot of money.