after the overnight trip to the beach, what does Gene decide finny is trying to do to him?

Gene believes that Finny doesn't want him to do well in school, so that he will come out ahead. Finny excels in athletics, and is definitely the best in the school; Gene knows that he can be the best in the school in academics, but thinks that Finny's high-jinks and his attempts to take up Gene's time are Finny's attempts to make sure that he comes out ahead in the relationship.