You're young. You probably know a bunch of older high school/younger college girls. BIKINI CAR WASH. Doesn't matter what the weather is, all you need is a parking lot with a garden hose, some buckets, soap, and babes.
Tell the girls it's for an orphanage or something...
course, a good robbery would take at least a week to plan. then a day to pull off successfully. that's without hangups (im talking banks here. they're FDIC insured, so you dont have to worry about stealing from innocent people.
then you gotta hire a good getaway driver, and get your rich friend to pull 20K into town so that he can get it taken out as a lump sum. then just get to the bank before they give it to him so you can get it, and he can get the FDIC insurance reimbursement.
wait, never mind. you'd probably get your butt shot in the getaway.