The most common and most likely answer to this crossword clue is the 8 letter word TONTINER
T
O
N
T
I
N
E
R
Buddy explains!
The straight part
We know that "I'm in a financial scheme with others" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case i'm in a financial scheme with others = tontiner.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.