I am a budding options/futures trader with my own sole proprietor investment business. Heading into 2022, I took on a large cash infusion of $500,000 from friends and family under the guise of a promise I made to issue a 10% return on their money. This promise was made via a signed promissory note, and the return was less than the annual return I had been experiencing years before. And then 2022 happened. It was an extremely bad year for the markets, and the worst I’d seen since I had been actively trading. Needless to say, I was not able...