Robert Penney has seen his financial future and it involves heaps of frozen yogurt.

Penney and his wife, Dayna, purchased a Menchie’s franchise, offering self-serve frozen yogurt, in Bellingham, Washington, in July 2011. They expect the business, open since April, to be profitable its first year.
It better be.

“We basically had to put our life on the line,” said Penney, 44, a former corporate engineer. He declined to provide details about how much was invested but said a typical Menchie’s requires $350,000 to $400,000. The couple drew on personal savings and a credit line against their home.