My friend asked me to open a shop with her. I don't want to cooperate with her. How can I refuse?

A friend asked you to cooperate with her to open a shop, but you didn't want to cooperate with her. I suggest you refuse in these ways:

First, the issue of funds. You can tell your friends that you have no money. It can also be said that there have been some problems with funds recently, or the funds have been invested in other projects.

Second, I am not optimistic about this project. You can tell your friends directly that you don't approve of this project, or that you don't like running this type of shop.

Third, I like my present job. Tell my friends that I still like to do what I am doing now, and it is handy to do. So I don't want to change careers or give up my present job.