https://www.junah.biz/ weekly 1 https://www.junah.biz/guides weekly 0.8 https://www.junah.biz/pathways weekly 0.8 https://www.junah.biz/scenarios weekly 0.7 https://www.junah.biz/for/starting-out weekly 0.8 https://www.junah.biz/for/getting-ahead weekly 0.8 https://www.junah.biz/for/retirement weekly 0.8 https://www.junah.biz/for/business weekly 0.8 https://www.junah.biz/tools monthly 0.8 https://www.junah.biz/tools/budget-planner monthly 0.8 https://www.junah.biz/tools/debt-payoff monthly 0.8 https://www.junah.biz/start monthly 0.7 https://www.junah.biz/start/starting-out monthly 0.6 https://www.junah.biz/start/getting-ahead monthly 0.6 https://www.junah.biz/start/approaching-retirement monthly 0.6 https://www.junah.biz/start/retired monthly 0.6 https://www.junah.biz/start/exploring monthly 0.6 https://www.junah.biz/get-started monthly 0.7 https://www.junah.biz/about monthly 0.7 https://www.junah.biz/contact monthly 0.7 https://www.junah.biz/guides/budgeting 2026-08-23T11:43:15.000Z monthly 0.7 https://www.junah.biz/guides/credit 2026-08-23T11:43:15.000Z monthly 0.7 https://www.junah.biz/guides/earning 2026-08-23T11:43:15.000Z monthly 0.7 https://www.junah.biz/guides/investing 2026-08-23T11:43:15.000Z monthly 0.7 https://www.junah.biz/guides/mindset 2026-08-23T11:43:15.000Z monthly 0.7 https://www.junah.biz/guides/saving 2026-08-23T11:43:15.000Z monthly 0.7 https://www.junah.biz/guides/building-property-equity 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/create-the-gap-between-what-you-earn-and-spend 2026-10-13T07:28:37.000Z monthly 0.6 https://www.junah.biz/guides/credit-what-lenders-see 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/creditworthiness-doorway-to-financial-opportunity 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/debt-management-builds-future-freedom 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/discover-the-wealth-you-already-have 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/from-earning-money-to-building-ownership 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/fixing-the-leak 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/illusion-meets-reality 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/investment-leverage-sustainable-wealth 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/know-your-financial-reality 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/recognize-the-lifestyle-inflation-trap 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/more-income-is-not-more-wealth 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/reduce-financial-pressure-before-retirement 2026-10-13T07:28:39.000Z monthly 0.6 https://www.junah.biz/guides/build-your-retirement-income-system 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/why-savings-matter 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/securing-generational-wealth 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/the-ownership-ladder 2026-10-13T07:28:34.000Z monthly 0.6 https://www.junah.biz/guides/understand-your-money-habits 2026-10-13T07:28:36.000Z monthly 0.6 https://www.junah.biz/guides/what-does-ownership-really-mean 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/guides/what-do-you-own-and-what-do-you-owe 2026-10-09T14:59:57.000Z monthly 0.6 https://www.junah.biz/scenarios/140000-a-year-still-paycheck-to-paycheck We earn $140,000 and still live paycheck to paycheck. Where does it go? https://cdn.sanity.io/images/ludb71np/production/5583f80e8c2eeaf04dabeff8eb5521c5158447c9-1080x1920.jpg?w=1080&q=75&fit=max&auto=format When income rises, spending usually rises with it: a bigger house, newer cars and many small conveniences, each with its own running costs. Track one full month together, every account and card, line by line, so you can see where the money truly goes. Then choose what to keep, and send part of each future raise to savings before your spending finds it. https://cdn.sanity.io/files/ludb71np/production/ed5c3aa66387cac72d9b6906ab1a7ef2780470aa.mp4 41 2026-10-05T03:43:36.655Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/30000-by-tomorrow-repaid-daily $30,000 by tomorrow, repaid daily from my sales. Lifeline or trap? https://cdn.sanity.io/images/ludb71np/production/6f74cccbd566b239ad578c1d0996d693cd7fabfb-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Ask what you will repay in total, not what you pay each day. A $30,000 advance repaid from daily sales can easily cost $40,000 or more, which can work out to an annual rate well above 100 percent. In California, most providers must show you an estimated annual rate before you sign. Compare that with a bank, a credit union or a small business loan program first. https://cdn.sanity.io/files/ludb71np/production/a2138ab92f9d051f1747379e707f53ecabaff118.mp4 41 2026-10-05T15:03:36.446Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/401k-to-pay-off-mortgage-before-retiring Should I empty my 401(k) to pay off the mortgage before I retire? https://cdn.sanity.io/images/ludb71np/production/859feaf69f46569b7f7a9cd7b57548b87a58107b-1080x1920.jpg?w=1080&q=75&fit=max&auto=format A single large withdrawal from a pre-tax 401(k) is taxed as income in the year you take it. To clear $80,000, you might need to withdraw well over $100,000, and the higher income can raise your Medicare premiums two years later. Many people instead wait until their first full year of retirement, spread withdrawals over several years, or simply keep paying the mortgage. A CPA can work out the numbers. https://cdn.sanity.io/files/ludb71np/production/5b5c6055ad90afcda1651b57325227ba5b291616.mp4 41 2026-10-07T19:04:06.144Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/41-three-kids-nursing-school-too-late I'm 41 with three kids and want to become a nurse. Is it too late? https://cdn.sanity.io/images/ludb71np/production/7ec3a4fd51533d192d892065967eeb5b617b1725-1080x1920.jpg?w=1080&q=75&fit=max&auto=format No, 41 is not too late. Many people enter nursing in their forties, and a new nurse at 43 still has more than twenty working years ahead. The safest route is to take prerequisite classes while you are still earning, look for grants and employer tuition help before any loan, and keep what you borrow small. https://cdn.sanity.io/files/ludb71np/production/e0659b13e71073924f5e34d7b9886aec8af56551.mp4 40 2026-10-03T20:19:54.964Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/42-renting-too-late-to-buy-home Our rent went up again. At 42, is it too late to buy a home? https://cdn.sanity.io/images/ludb71np/production/5328efaac281f817433b8e7fc5d68075035b2d74-1080x1920.jpg?w=1080&q=75&fit=max&auto=format No. The median age of first-time buyers in the United States reached 40 in 2025, so you are right on time. The safest purchase is one whose full monthly cost fits your budget, with the down payment and closing costs covered and a cushion left over afterward. A 30-year mortgage does not have to last 30 years: extra payments toward the principal can end it many years sooner. https://cdn.sanity.io/files/ludb71np/production/1e8ad56e2257c457e27d11e5bd6e2014947daa4c.mp4 43 2026-10-07T19:04:27.712Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/46-with-12000-saved-for-retirement I'm 46 with $12,000 saved for retirement. Is it too late? https://cdn.sanity.io/images/ludb71np/production/7333addb0c33ee3edc76ed8c1cae21dd32113f21-1080x1920.jpg?w=1080&q=75&fit=max&auto=format No. At 46 you likely have around twenty working years ahead, and those are often the years people can save the most. Collect every dollar of any employer match first, raise your savings each time your pay rises, and check your Social Security estimate. Rules of thumb about salary multiples are rough guides, not a verdict on you. https://cdn.sanity.io/files/ludb71np/production/1ca54ec288a9ee531c9b5fe93887245ea190380f.mp4 39 2026-10-04T18:25:28.041Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/68-raising-grandsons-on-social-security I'm 68 and raising my grandsons on Social Security. Is there any help? https://cdn.sanity.io/images/ludb71np/production/9908915cac4d436fc60aaf442e0f22ec10a225a0-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Yes, there is real help. Call the Alabama Kinship Navigator at 844-4ALA-KIN. Apply for SNAP and for Medicaid or ALL Kids for the boys, and ask the Department of Human Resources about Family Assistance for the children alone. The boys may also receive Social Security benefits on a parent's record, or on yours in certain cases. https://cdn.sanity.io/files/ludb71np/production/cdee87b89c6032a791b1cc7e51879c05fe18d937.mp4 42 2026-10-12T07:36:17.673Z 2026-10-12T07:36:17.000Z monthly 0.6 https://www.junah.biz/scenarios/68000-remote-or-76000-with-commute $68,000 remote or $76,000 with an hour's commute. Which pays more? https://cdn.sanity.io/images/ludb71np/production/e7bea287e51c40930318a565f119346b3c57664d-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Compare what each job leaves you, not the headline salary. An extra $8,000 becomes roughly $5,600 after federal income tax, Social Security and Medicare. Two hours a day on the road adds up to nearly 500 hours a year, plus gas, wear on the car and parking. Once those are counted, the higher offer may pay less, unless it brings growth or benefits the remote job lacks. https://cdn.sanity.io/files/ludb71np/production/56bca07f46733ecdd7feac8e16e9890743506bdf.mp4 42 2026-10-07T19:04:55.032Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/70000-truck-write-off-is-it-free My friend says buy a $70,000 truck because it's a write-off. Is it free? https://cdn.sanity.io/images/ludb71np/production/e3617213086b62317f8151aefed9a74d47918fe7-1080x1920.jpg?w=1080&q=75&fit=max&auto=format No. A write-off lowers your taxable income; it does not refund the price. If your combined tax rate is 25 percent, a $70,000 truck saves about $17,500 in tax, and you still pay the other $52,500. Buy it only if the business would need it anyway. In a strong year, a retirement contribution is also deductible, and you keep the money. https://cdn.sanity.io/files/ludb71np/production/fcc0ffd982fb1f63a3698ee15e27b06ad641e492.mp4 38 2026-10-07T14:48:20.739Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/8000-in-a-shoebox-are-us-banks-safer I keep $8,000 in a shoebox because banks failed back home. Am I crazy? https://cdn.sanity.io/images/ludb71np/production/bcc4a76c5527513f50befac3a0b9ab2794db629e-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Yes, for money in an insured US bank. The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category, and no depositor has lost a penny of insured deposits since it was created in 1933. Cash at home has no such protection from fire, theft or loss, and it earns nothing. https://cdn.sanity.io/files/ludb71np/production/45729181bc411536ea1acb1ff1486da4f5548f55.mp4 42 2026-10-18T17:41:59.053Z 2026-10-18T17:41:59.000Z monthly 0.6 https://www.junah.biz/scenarios/accountant-back-home-starting-over-here I was an accountant back home. Now I stock shelves at night. How do I manage? https://cdn.sanity.io/images/ludb71np/production/f85bd7920ded82ce47dcfbea46d5128d6fdf1b3d-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Give your US license a price, a monthly budget and a target date, the way you would any investment. Have your foreign degree evaluated, choose the licensing route your state allows, and fund the costs from a separate account. Meanwhile, keep spending lean on your current pay, hold a small emergency fund, look for a bridge job in bookkeeping, payroll or tax, and stay in touch with people in your profession. https://cdn.sanity.io/files/ludb71np/production/4420f5728e01c6d7b69a7487f1978601319876ac.mp4 37 2026-10-06T11:07:27.161Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/add-daughter-to-deed-avoid-probate Should I add my daughter to my house deed to avoid probate? https://cdn.sanity.io/images/ludb71np/production/d13da50b14a1d58a9adef5b3ed31ee96ffccb27e-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Adding your daughter to the deed gives her part of your home now, and that is hard to undo. Her creditors, a divorce or a bankruptcy could reach her share, she would have to sign before you could sell or borrow, and she could owe more capital gains tax later than if she inherited the house. In New York, a transfer on death deed or a revocable trust can pass the home without probate while you keep full control. https://cdn.sanity.io/files/ludb71np/production/1cc245fc85bce30cd05c29547fb8096bdfe8e486.mp4 41 2026-10-11T07:35:30.065Z 2026-10-11T07:35:30.000Z monthly 0.6 https://www.junah.biz/scenarios/adult-son-keeps-asking-for-rent-money Our son keeps asking for rent money. How do we stop without losing him? https://cdn.sanity.io/images/ludb71np/production/c60ed71d09ca0e3008ee22be451396bce4b79380-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Your retirement money has to last as long as you do, and there is no paycheck coming to refill it. Agree between you what you can give, if anything, and for how long, with an end date and steps down to it. Then tell your son plainly and with love, offer help that is not money, and hold the line kindly. A clear limit is gentler than a slow drain. https://cdn.sanity.io/files/ludb71np/production/253b45800445f909a814797bb6faa31b5ab9b6b5.mp4 45 2026-10-02T21:02:13.260Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/ai-took-half-my-design-clients AI took half my design clients. Do I fight, pivot or quit? https://cdn.sanity.io/images/ludb71np/production/c896a432cab63b2dfc0edf2ada04d4c7c1bdd796-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Pivot, rather than racing a machine on price. Research found image freelancers lost jobs and earnings after AI tools arrived, but design work is changing more than vanishing. Clients still pay for judgment, brand systems and finished work they can own, since prompt-only images cannot be copyrighted. Learn the tools, cut fixed costs, and give yourself 90 days. https://cdn.sanity.io/files/ludb71np/production/9e39d153b10581adbaabafd32a0d742bb1bbb6d9.mp4 43 2026-10-11T19:29:21.902Z 2026-10-11T19:29:22.000Z monthly 0.6 https://www.junah.biz/scenarios/aunts-susu-savings-circle-is-it-safe I pay $500 a month into my aunt's susu. Is it safe? https://cdn.sanity.io/images/ludb71np/production/35b37b49e060c22cb7dae48c69c7cf855146c804-1080x1920.jpg?w=1080&q=75&fit=max&auto=format A susu, a rotating savings circle, can be a disciplined way to save, and families have relied on them for generations. But it pays no interest and carries no deposit insurance, so it rests entirely on trust. Keep a written list of members, amounts and turns, record each payment, and hold your emergency savings separately in an insured bank or credit union account. https://cdn.sanity.io/files/ludb71np/production/df242529fa3ba71064a4daaf18964cfc8add4949.mp4 44 2026-10-03T20:19:05.882Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/back-to-work-will-social-security-take-it-back I want to go back to work. Will Social Security take it all back? https://cdn.sanity.io/images/ludb71np/production/a248c73607090ee8d4e10a90a0b88c41df66178e-1080x1920.jpg?w=1080&q=75&fit=max&auto=format No, not all of it. In 2026, if you are under full retirement age all year, Social Security holds back $1 for every $2 you earn above $24,480. On $30,000, that is about $2,760 for the year. Those withheld months are credited back when you reach full retirement age, which raises your monthly benefit from then on. https://cdn.sanity.io/files/ludb71np/production/48b956220c18aa394cc57160d9866b54431b33f1.mp4 41 2026-10-17T12:55:52.088Z 2026-10-17T12:55:52.000Z monthly 0.6 https://www.junah.biz/scenarios/best-employee-wants-4-more-an-hour My best employee wants $4 more an hour. I can't afford it or lose her. https://cdn.sanity.io/images/ludb71np/production/0d3053034c0b6a3538289b7d6c3ec9a2107fd460-1080x1920.jpg?w=1080&q=75&fit=max&auto=format First, price both sides. A $4 raise costs about $8,320 a year for full-time hours, plus payroll taxes. Gallup estimates replacing an employee costs one-half to two times a year's pay, and about 40 percent for frontline roles. Then talk honestly: a partial raise now, a dated plan for the rest, a results bonus or other benefits can keep a valued person. https://cdn.sanity.io/files/ludb71np/production/4a5ab55a5de15576f41f192857c4ee51a8d7a536.mp4 34 2026-10-17T12:48:06.605Z 2026-10-17T12:48:06.000Z monthly 0.6 https://www.junah.biz/scenarios/brother-back-home-wants-8000-for-business My brother back home wants $8,000 for his business. Investing or giving? https://cdn.sanity.io/images/ludb71np/production/f0708d78c0529e83819215d42eaee8e15c8e6249-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Decide first whether the money is a gift, a loan or a share in the business, and write that down, signed by you both. Ask for a simple plan with numbers before you send anything: what the money buys, what the business will earn and when. Send only what you could lose without resenting him, and consider sending it in stages tied to progress. https://cdn.sanity.io/files/ludb71np/production/4cdc5da7bb8b182f47c2108fd03da250993e62b1.mp4 40 2026-10-05T03:43:06.931Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/brother-did-the-math-on-my-payout My brother did the math on my business payout. I got half. https://cdn.sanity.io/images/ludb71np/production/34ff018b6cc7d10a1c0fedd94c3d614631b10951-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Start by pinning down what "a year's earnings" meant: sales, profit or owner pay, and for which year. Then request the full calculation and the records behind it in writing, and have a CPA you choose review them. If the gap is real, mediation usually comes before court, and family talk stays away from Sunday dinner. https://cdn.sanity.io/files/ludb71np/production/2550fb0e25c137c253a07d946077982b66b4fbae.mp4 40 2026-10-18T17:42:59.374Z 2026-10-18T17:42:59.000Z monthly 0.6 https://www.junah.biz/scenarios/buried-back-home-zimbabwe-plan-now I want to be buried back home in Zimbabwe. How do I plan it now? https://cdn.sanity.io/images/ludb71np/production/b88f95b9c80b80e8053d4206628cf70acbae5dc4-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Weigh three ways to pay for the journey home by what each costs you over the years: a diaspora funeral plan from a Zimbabwean funeral company, a final expense policy here in America, or a funeral fund of your own with a payable-on-death beneficiary. Then put your wishes in writing, name who will carry them out, and tell your children where everything is. https://cdn.sanity.io/files/ludb71np/production/50fbd0548f9e9663dd0f9ff76e0c81674e82f30f.mp4 44 2026-10-18T16:49:57.753Z 2026-10-18T16:49:57.000Z monthly 0.6 https://www.junah.biz/scenarios/business-is-my-retirement-plan Everything went back into my business. Is selling it my retirement plan? https://cdn.sanity.io/images/ludb71np/production/ffcdd6616bdcfa7fd5d8a3b4154258e61287dcec-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Selling the business can be part of your retirement, but rarely all of it. Its price is set by a buyer on the day you sell, and businesses that depend on their owner usually fetch less. At 54, retirement plans for business owners allow extra catch-up savings after 50, so many owners start paying themselves first now, while they work to make the business sellable. https://cdn.sanity.io/files/ludb71np/production/d61c570f47551466018e9bcae91c7e210875d435.mp4 42 2026-10-05T20:10:12.076Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/cafe-tip-screen-keep-or-ditch Customers hate my cafe's tip screen. My baristas need it. Keep it or ditch it? https://cdn.sanity.io/images/ludb71np/production/eeed2599b8fe4138d798122b2ecbec8562c84b68-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Start with your baristas and your numbers. Work out what gratuities add to their pay per hour, then what a wage increase would add to each drink. Some cafés replace tipping with higher wages and prices; others keep tipping but soften the screen. Whatever you choose, test it for a set period and measure sales, pay and customer response. https://cdn.sanity.io/files/ludb71np/production/019fe59a60cb5aed19a772955478a44923ab41cc.mp4 42 2026-10-17T11:55:12.570Z 2026-10-17T11:55:12.000Z monthly 0.6 https://www.junah.biz/scenarios/cake-business-2500-a-month-quit-day-job My cake business makes $2,500 a month. Can I quit my day job? https://cdn.sanity.io/images/ludb71np/production/2120ca2c8e85818c096ca6a4f1fe3a19b6f6e19f-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Leave your job once the business reliably earns what you need, not when sales feel strong. Work out your profit after ingredients, supplies and taxes, and compare it with the pay you would give up. Build a cushion of savings, arrange health insurance first, and check your kitchen is licensed for the cakes you plan to sell. Many people step down to part-time first. https://cdn.sanity.io/files/ludb71np/production/b55e31a8c2b355d9fb0c00577e1d27da57d65ae5.mp4 40 2026-10-10T07:05:46.589Z 2026-10-10T08:22:06.000Z monthly 0.6 https://www.junah.biz/scenarios/carry-a-balance-to-build-credit My dad says to leave a balance on my card to build credit. Is he right? https://cdn.sanity.io/images/ludb71np/production/aa8cec62835f5fb771693caec26226004da5cc05-1080x1920.jpg?w=1080&q=75&fit=max&auto=format No. Carrying a balance from month to month does not raise your credit score. It only means paying interest. Credit grows when you use the card a little, keep the reported balance low compared with your limit, and pay the whole statement by the due date every month. Your card company reports that history to the credit bureaus, and it costs you nothing. https://cdn.sanity.io/files/ludb71np/production/36b9de870625239ad0e632514a310f8dc3d3d988.mp4 38 2026-10-05T15:04:27.621Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/cash-off-the-books-bank-wont-lend I kept my barbershop's cash off the books. Now the bank won't lend. https://cdn.sanity.io/images/ludb71np/production/2f4d508e4207aca9d7d17c2e1bdd434e5f4e962a-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Lenders verify self-employed income from tax returns, usually two years of them, so income you did not report cannot be counted. It also leaves your Social Security record short. Start reporting and banking every dollar now, see a tax professional about earlier years before doing anything, and in two years a lender will see the real business. https://cdn.sanity.io/files/ludb71np/production/f839018ad0c70cffb9cdd553d0346511e7776cf0.mp4 41 2026-10-12T07:35:05.807Z 2026-10-12T07:35:06.000Z monthly 0.6 https://www.junah.biz/scenarios/client-owes-4800-payroll-friday A client owes me $4,800 and payroll is Friday. How do I chase him? https://cdn.sanity.io/images/ludb71np/production/6ea6c813c4987778546601e545d7d04da2320d6e-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Stay courteous but clear. Put a reminder in writing with the amount, the invoice number and a date to pay, and pause any new work for him until he does. Meet payroll from other sources, never from the taxes you withhold. If he still does not pay, a lien or small claims court may be open to you, but deadlines are short. For future jobs, ask for money upfront and write late fees into the agreement. https://cdn.sanity.io/files/ludb71np/production/a126ad05144195f265d8d7a7d38324e0f8ab91d1.mp4 42 2026-10-05T10:05:35.962Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/college-son-bills-mother-retirement-who-first College for my son, bills for my mother, retirement for me. Who comes first? https://cdn.sanity.io/images/ludb71np/production/855fc8c48f0fe3cf8f1d42aad8ee571055822c41-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Keep saving for your own retirement first, at least enough to collect any employer match, because your son can borrow for college and nobody lends for retirement. Help your mother with a fixed monthly amount and check which benefits she qualifies for. Then talk openly with your son about what college you can afford together, and use financial aid to close the gap. https://cdn.sanity.io/files/ludb71np/production/7bd1d2ac1ed5731e27e75d673e45d1c6bfd4b9e0.mp4 46 2026-10-03T07:47:40.189Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/cousin-back-home-app-pays-25-percent-a-month My cousin back home says his app pays 25% a month. Should I join? https://cdn.sanity.io/images/ludb71np/production/e71292e0b84ba338dec52f80735b6b966ad179e0-1080x1920.jpg?w=1080&q=75&fit=max&auto=format No honest investment pays 25 percent a month. At that rate, $2,000 would grow to about $29,000 in a single year. Schemes that promise such returns usually pay early members with money from newer members, and they collapse when new money slows and people can no longer cash out. Keep your money somewhere safe and insured, and encourage your cousin, kindly, to take out what he can. https://cdn.sanity.io/files/ludb71np/production/565401bffdb69f491ec5deecb3c49257c2d422b1.mp4 40 2026-10-06T11:04:48.368Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/cousin-wants-wedding-flowers-at-cost My cousin wants her wedding flowers at cost. Am I greedy for saying no? https://cdn.sanity.io/images/ludb71np/production/46fac91328b1c8f2d6aef33123c2322d72ac0f57-1080x1920.jpg?w=1080&q=75&fit=max&auto=format You are not greedy. At cost usually means the price of flowers alone, leaving out your time, skill, overhead and a wedding date you could have sold. Set one clear family policy, such as a fixed discount or one arrangement as your gift, and offer designs that fit her budget. Say it kindly, once, and keep to it. https://cdn.sanity.io/files/ludb71np/production/124c70f1ee25735de7494a10bd347b4a038cca93.mp4 38 2026-10-17T15:47:50.648Z 2026-10-17T15:47:50.000Z monthly 0.6 https://www.junah.biz/scenarios/credit-card-debt-18000-where-to-start I have $18,000 on three credit cards. Where do I start? https://cdn.sanity.io/images/ludb71np/production/2652f08d991ceee1c441e89336e4e60dea6c0c2e-1080x1920.png?w=1080&q=75&fit=max&auto=format List every card with its balance, interest rate and minimum payment. Keep paying every minimum, then send every extra dollar to one card at a time: the highest rate first saves the most interest, and the smallest balance first gives you a win sooner. When a card is paid off, its payment rolls onto the next. https://cdn.sanity.io/files/ludb71np/production/fb2034a55dc10f048d68fd2a83a02e6d4e681b80.mp4 37 2026-10-01T22:46:23.795Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/customers-buy-on-credit-dont-pay Customers buy on credit at my grocery and don't pay. How do I say no? https://cdn.sanity.io/images/ludb71np/production/40a86fa1dd33b36893e5b2d97a33a61363f68550-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Give your kindness a ledger. Write down each tab with its date and amount, give every customer a small limit, and ask for tabs to be settled by the end of each month, with no new credit until they are. Post the rule where everyone can see it, so the store's policy does the refusing. Collect old tabs privately and gently, with payment plans where needed. https://cdn.sanity.io/files/ludb71np/production/adf1ae53083ab1d00247b336d0c0f0d1fcba8aff.mp4 44 2026-10-06T11:06:39.923Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/dad-wants-114000-college-money-back My parents' college money was a loan all along. Now Dad wants $114,000 back. https://cdn.sanity.io/images/ludb71np/production/8648504a15c45c14e8ab800f6a436abaff812865-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Not necessarily. A contract signed at 17 can often be cancelled by the person who signed it, unless they later confirmed it as an adult, for example by making payments. Money put into a 529 also counts as a gift to the student for federal gift tax purposes. Have a lawyer of your own read the note before you agree, refuse or pay anything. https://cdn.sanity.io/files/ludb71np/production/d3cc86fa390eee514d7eb9893462b03c2021f664.mp4 40 2026-10-18T17:42:15.001Z 2026-10-18T17:42:15.000Z monthly 0.6 https://www.junah.biz/scenarios/daughter-wants-to-go-through-my-paperwork My daughter wants to go through my paperwork. Where do I begin? https://cdn.sanity.io/images/ludb71np/production/4438c5cdc0ebdd50e0f562adebb07d7ea8e2f491-1080x1920.png?w=1080&q=75&fit=max&auto=format Make one shared folder with your daughter that lists your accounts, insurance policies, your will and the people to call. Note where each document lives rather than every account number or password, and keep that detail secure. Planning together is a gift to your family, not a goodbye. https://cdn.sanity.io/files/ludb71np/production/296a4649aa4b87317922a1a52d027b7ee5e64026.mp4 39 2026-10-01T22:46:23.795Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/dealer-approved-650-a-month-car-loan The dealer approved me for $650 a month. Can I afford it? https://cdn.sanity.io/images/ludb71np/production/b7e8305429a64c2f4aa6702612421a67ceaa9600-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Being approved means a lender thinks you can make the payments, not that they leave room for the rest of your life. Seven years at $650 a month comes to $54,600, before insurance, gas and repairs. On $3,400 a month, many people aim to keep all car costs together nearer 15 to 20 percent of take-home pay. Compare a reliable used car on a loan of four years or less. https://cdn.sanity.io/files/ludb71np/production/e7193188bf77e73b2e984ceeeae40e32b7fbdbb9.mp4 41 2026-10-03T20:18:30.175Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/divorcing-at-63-anything-to-retire-on Divorcing at 63 after 38 years at home. Will I have anything to retire on? https://cdn.sanity.io/images/ludb71np/production/ef81ab0f68af7da01d252bd96cf7d0417c8787fd-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Very likely more than you fear. After a marriage of ten years or more, Social Security can pay you benefits on your former husband's work record, without reducing his. Property built during the marriage, retirement savings included, is usually marital property whatever name it is in, and can be divided. Talk with your attorney about health coverage, alimony and your share before anything is signed. https://cdn.sanity.io/files/ludb71np/production/d2e722c7ca8194b34da20546c277e40927f0eb31.mp4 41 2026-10-06T11:04:19.533Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/er-bill-2800-can-i-negotiate My ER visit cost $2,800 after insurance. Can I negotiate a hospital bill? https://cdn.sanity.io/images/ludb71np/production/2d33c708326d2bbed5b10c1d5df1c57c68640027-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Yes. Start by asking for an itemized bill and comparing it with your insurer's explanation of benefits, line by line. Ask whether the hospital has a financial assistance policy, which nonprofit hospitals are required to have, and apply even if you are unsure you qualify. If you still owe money, ask for a discount or an interest-free payment plan, and stay in touch with the billing office. https://cdn.sanity.io/files/ludb71np/production/55f6e93b0dae44458cc80274abf288ece72ae137.mp4 42 2026-10-07T14:49:05.701Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/eviction-notice-401k-hardship-or-loan Eviction notice on my door. 401(k) hardship withdrawal or a loan? https://cdn.sanity.io/images/ludb71np/production/a4c1d85519a9cc02e9963f2c4d8733b90ebcbc2b-1080x1920.jpg?w=1080&q=75&fit=max&auto=format A 401(k) loan usually costs less than a hardship withdrawal, as long as your job is steady, because you repay yourself and avoid tax and the 10 percent penalty. A withdrawal at 44 is taxed, penalized and can never be repaid. Before either, offer your landlord a written repayment plan and call 211 about emergency rental help. https://cdn.sanity.io/files/ludb71np/production/55e3220c40ab020e10c66218b3a2894cbdd2a9f3.mp4 42 2026-10-11T19:32:18.281Z 2026-10-11T19:32:18.000Z monthly 0.6 https://www.junah.biz/scenarios/father-funeral-back-home-family-expects-me-to-pay My father died back home. The family expects me to pay for the funeral. https://cdn.sanity.io/images/ludb71np/production/4a7fcc32821b1120cf0984314059d65a5429d931-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Decide what you can give without borrowing, and tell the family head or elders clearly and with love. Ask other relatives to share the cost, as extended families traditionally do, and let the ceremony be planned around what the family has together. Send money through a regulated service, or pay the mortuary and vendors directly, and keep every receipt. https://cdn.sanity.io/files/ludb71np/production/45b58be70fdfec76ff4b8cadbf462eae4911edba.mp4 42 2026-10-11T15:14:51.414Z 2026-10-11T15:14:51.000Z monthly 0.6 https://www.junah.biz/scenarios/federal-agent-says-buy-gold-for-courier A 'federal agent' says buy gold for his courier to keep my savings safe. Is it real? https://cdn.sanity.io/images/ludb71np/production/447c0b52277c68f11db6609918470299df100829-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Yes, this is a scam. The FBI warns that no government agency or legitimate business will ever request that you purchase gold or other precious metals, or give cash or gold to a courier. Hang up, call your bank using the number on your card, tell your family today, and report it at IC3.gov or to the National Elder Fraud Hotline, 833-372-8311. https://cdn.sanity.io/files/ludb71np/production/8dd150873daeb0af82f08a1bc10760aadfdaad73.mp4 43 2026-10-17T08:20:25.018Z 2026-10-17T08:20:25.000Z monthly 0.6 https://www.junah.biz/scenarios/fiance-thinks-im-debt-free-34000 I owe $34,000 and my fiancé thinks I'm debt-free. How do I tell him? https://cdn.sanity.io/images/ludb71np/production/065db576426991119c82102fa003d46e5989ce66-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Yes, and soon, before a lender's credit check does it for you. A joint mortgage application shows both partners' debts, and $34,000 in card balances will affect what you can borrow. Tell him calmly, show him every statement and a written plan to clear it, and agree together on how to handle it before you apply. https://cdn.sanity.io/files/ludb71np/production/dc637262292a8630780d0c05f1b851acccae3cf3.mp4 41 2026-10-17T15:49:57.884Z 2026-10-17T15:49:58.000Z monthly 0.6 https://www.junah.biz/scenarios/first-budget-emergency-fund I'm writing my first budget. How do I start an emergency fund? https://cdn.sanity.io/images/ludb71np/production/077b25545b954718d882cc0e03a0e4f73c61aa92-1080x1920.png?w=1080&q=75&fit=max&auto=format Make savings the first line in your budget, not the last. Set up an automatic transfer of even $50 into a separate savings account on payday, and treat it like a bill. Build to one month of essential bills first, then three. Keep it apart from your spending money so it is there when something goes wrong. https://cdn.sanity.io/files/ludb71np/production/e263b204a7472ae35d13b78bce8a7744defd4e7f.mp4 42 2026-10-01T22:46:23.795Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/first-job-401k-match-student-loans My first job offers a 401(k) match, but I have student loans. Should I bother? https://cdn.sanity.io/images/ludb71np/production/fda3b0f4251f1b1b0a3b00f2582ea527f9baa907-1080x1920.jpg?w=1080&q=75&fit=max&auto=format A match is part of your pay. With a match of 50 cents on the dollar up to 6 percent, putting in 6 percent of your pay adds another 3 percent from your employer, an instant 50 percent return no loan payment can equal. If you can, contribute enough to collect the full match while you keep making every loan payment on time. https://cdn.sanity.io/files/ludb71np/production/2eb3334616296f75fd8d938158b5d4a0f57e5a28.mp4 37 2026-10-04T10:34:11.717Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/first-paycheck-family-back-home-list My first paycheck hasn't even landed, and family back home sent a list. https://cdn.sanity.io/images/ludb71np/production/25a2a92c0886f5ed36a0998d2ed1088c2bc31a83-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Wait until you have seen your first two paychecks and written your own budget. Then choose one fixed amount you can send every month, even in a hard month, and tell your family kindly and clearly. Let them decide together what that amount should cover. Meanwhile, build an emergency fund and join any retirement match, because a steady earner is the most reliable help a family can have. https://cdn.sanity.io/files/ludb71np/production/c4d6bca800442cfc2e07d06c31e6a457558f0687.mp4 39 2026-10-11T15:16:21.089Z 2026-10-11T15:16:21.000Z monthly 0.6 https://www.junah.biz/scenarios/first-year-self-employed-owe-6000-taxes My first year self-employed went well. Now I owe $6,000 in taxes. https://cdn.sanity.io/images/ludb71np/production/ce66fe7c3e1a8685a2a209408485b240c0be872c-1080x1920.jpg?w=1080&q=75&fit=max&auto=format File your return on time even if you cannot pay, because the penalty for not filing is far larger than the one for paying late. Pay what you can now, then ask the IRS for a payment plan to spread the rest over months. From now on, move a share of every client payment into a separate tax account the day it arrives. https://cdn.sanity.io/files/ludb71np/production/f4f50e08698d820899af2331b85042c0205a93b8.mp4 38 2026-10-04T10:34:54.916Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/five-buy-now-pay-later-plans-rent-due I have five buy now, pay later plans and rent is due. How do I get out? https://cdn.sanity.io/images/ludb71np/production/bb1c427146af8fadabf6ec6a5e0fcd69eed3bf76-1080x1920.jpg?w=1080&q=75&fit=max&auto=format List every plan on one page: the store, what is left, each payment and its date. Pay rent first. If a plan's payment would leave you short, contact the provider before the due date and ask to move it. Take on no new plans until these are paid, because small payments are still debt. https://cdn.sanity.io/files/ludb71np/production/b3cf7302e624915cdd179e6b2878422b1558af80.mp4 40 2026-10-04T18:26:15.320Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/five-weddings-aso-ebi-spray-money Five weddings, aso ebi and spray money. How do I show up without going broke? https://cdn.sanity.io/images/ludb71np/production/4fd417819b6cfbae9d5c968af04d2100816e1095-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Give celebrations their own budget for the year, so weddings stop raiding your rent and savings. At about $400 each, seven weddings come to around $2,800, or roughly $233 a month. Decide early which couples get new aso ebi, rewear or restyle fabric for the rest, and set your spray money before you leave home. https://cdn.sanity.io/files/ludb71np/production/d2d49d48de00e8c33664dd376ada1b4130071efc.mp4 44 2026-10-17T08:18:16.245Z 2026-10-17T08:18:16.000Z monthly 0.6 https://www.junah.biz/scenarios/found-wifes-hidden-27000-debt I found $27,000 of credit card debt my wife never told me about. https://cdn.sanity.io/images/ludb71np/production/674c15748edde1211a61e697fe83a163f19d9c1b-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Start with the conversation, not the spreadsheet. Ask what led to the debt and why it was hidden, and listen before deciding anything. Then lay out every account you both have, check both credit reports, and build one plan together, paying the highest-rate card first. Agree on a regular time to review the money side by side, so trust is rebuilt month by month. https://cdn.sanity.io/files/ludb71np/production/42d998b4a1b8ea146f3e16741ddd423feadaa9ab.mp4 41 2026-10-07T14:48:50.880Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/fourteen-grandchildren-christmas-fixed-income Fourteen grandchildren and a fixed income. How do I do Christmas? https://cdn.sanity.io/images/ludb71np/production/dea6edd11975451063d1089ded8e361cc8133648-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Set one Christmas budget you can afford, then choose a way to share it: a small, equal amount for each grandchild, one gift per family, or drawing names. Tell your children early, before the shopping starts. Add something money cannot buy, such as a handwritten letter, a recorded story or a day with Grandpa, and start setting a little aside each month for next year. https://cdn.sanity.io/files/ludb71np/production/ea6e9f36728b1a9fe8357a0e227aec4fa9c8860f.mp4 41 2026-10-10T07:06:51.724Z 2026-10-10T08:22:07.000Z monthly 0.6 https://www.junah.biz/scenarios/free-steak-dinner-annuity-move-our-ira A free steak dinner, a no-risk annuity and a push to move our IRA. Is he right? https://cdn.sanity.io/images/ludb71np/production/2be3962fd033a95559c6815c2599b0a9c6621006-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Be very wary. Regulators who examined free-meal seminars found every one was a sales presentation, and half used exaggerated or misleading claims. Annuities that protect you from losses also cap your gains, and most carry surrender charges for years. Take the papers home, check the seller's license, ask how he is paid, and never move a whole IRA in a week. https://cdn.sanity.io/files/ludb71np/production/dde04cb170f8101e3ce1a39540e4ec8a341baa46.mp4 40 2026-10-11T19:30:22.609Z 2026-10-11T19:30:22.000Z monthly 0.6 https://www.junah.biz/scenarios/friend-business-50-50-i-do-most-work My best friend and I split our shop 50/50, but I do most of the work. https://cdn.sanity.io/images/ludb71np/production/a3f1ae61b7bcfcc08acdf9a48643b8d20068c1a6-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Have the conversation soon, while the friendship is strong. Without a written agreement, your state's default rules decide, and in Idaho a partnership's profits are split equally with no extra pay for extra work. Many partners fix this by agreeing on roles, paying each person for the work they do before splitting profits, and setting out how a partner can exit. An attorney can turn it into a binding agreement. https://cdn.sanity.io/files/ludb71np/production/e6cd8351705a1ceac33e97948449842e671b0d5d.mp4 40 2026-10-06T11:04:07.854Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/friends-earn-more-how-to-say-no My friends earn more than me. How do I say no without losing them? https://cdn.sanity.io/images/ludb71np/production/135a670ebe82bf1b0c81dcba2bef01091d6040d9-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Decide on a monthly amount for fun that your budget can carry, and spend it on the moments that matter most to you. For the rest, say no honestly and briefly, and suggest something cheaper you would enjoy together. Stop putting nights out on your card, and plan big events, like a friend's trip, months ahead. True friends want you to be well. https://cdn.sanity.io/files/ludb71np/production/4b6c262cf81305b1d884bafea592fa3b694feddc.mp4 40 2026-10-05T03:43:51.527Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/grandparent-co-sign-car-loan My granddaughter wants me to co-sign her car loan. Should I? https://cdn.sanity.io/images/ludb71np/production/9d492efa99f326d8245887db8be46762332ca0ac-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Co-signing means you owe the whole loan if your granddaughter cannot pay, and her late payments go on your credit report too. On a fixed income, that is a serious risk. Many grandparents help in other ways instead: a gift toward the down payment, help finding a cheaper reliable car, or help building her credit so she can borrow on her own. Turning down the signature is not turning her down. https://cdn.sanity.io/files/ludb71np/production/24c5e88e47fa3446f254f1f249fd1920a5eabcf3.mp4 39 2026-10-05T15:03:52.430Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/hardware-store-31-years-90000-offer 31 years running our hardware store, and the only offer is $90,000. Is that it? https://cdn.sanity.io/images/ludb71np/production/b566b2ff50eaa736959aa0a6a4be1d86323bf412-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Perhaps not. Buyers usually pay a multiple of the profit a business produces for its owner, plus some assets, so a valuation is the first step. Separate the store's earnings, inventory and any building you own. Then compare options: other buyers, selling to employees, financing a buyer yourself, or keeping the building and leasing it. https://cdn.sanity.io/files/ludb71np/production/43d9310bca8c0fd1b6daa79148f064b5ccc93725.mp4 42 2026-10-17T16:03:20.800Z 2026-10-17T16:03:20.000Z monthly 0.6 https://www.junah.biz/scenarios/havent-raised-prices-in-four-years I haven't raised my prices in four years. Will I lose my regulars? https://cdn.sanity.io/images/ludb71np/production/8b0ca4e7cd3cf6f4bcfd03ddaadcc1afd02b000d-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Holding the same price for four years while your costs rise is a quiet pay cut. Work out what each job really costs you, including your own time, set a price that covers it, and give your regulars at least a month's notice with a short, honest note. Most good customers understand, and the few who leave free your time for better-paid work. https://cdn.sanity.io/files/ludb71np/production/4a5808168c93dece82cd4a8d295f54d26c3baa30.mp4 40 2026-10-04T16:12:46.239Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/hot-sauce-went-viral-why-am-i-broke My hot sauce went viral. $40,000 in sales, so why am I broke? https://cdn.sanity.io/images/ludb71np/production/f10f7bb884cc1ff10c65fca1040edae629989c61-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Because sales and cash move on different clocks. You paid for bottles and shipping straight away, while the platform is releasing your money slowly. Find out exactly when held payouts release, pause paid promotion, take preorders only with ship dates you can meet, and ask suppliers for terms. And check your licensing: hot sauce sold commercially needs more than a home kitchen. https://cdn.sanity.io/files/ludb71np/production/8c1a2e688c18faba633a20c84809fc6489b67eae.mp4 42 2026-10-12T07:09:52.230Z 2026-10-12T07:09:52.000Z monthly 0.6 https://www.junah.biz/scenarios/house-back-home-children-wont-live-there We built a house back home. Our children will never live there. What happens to it? https://cdn.sanity.io/images/ludb71np/production/9200eab5532a6edbeb9d2b43fb3195b0015e5be4-1080x1920.jpg?w=1080&q=75&fit=max&auto=format A house in Nigeria is governed by Nigerian law, so a Texas will alone may not settle what happens to it. Many families make a separate will there with a Nigerian lawyer, keep the title papers secure and in their own names, and put any relative's stay in writing. Then talk with your children while you can: keep, rent, sell or give, the choice is clearer made together. https://cdn.sanity.io/files/ludb71np/production/837778494d26b25dae7d480848d27ffac89c904a.mp4 39 2026-10-06T11:06:56.406Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/house-paid-off-savings-thin-sell-or-stay Our house is paid off but our savings are thin. Do we sell or stay? https://cdn.sanity.io/images/ludb71np/production/c1f84d1acea762d715c9562ceb9a8cd071f71dfc-1080x1920.jpg?w=1080&q=75&fit=max&auto=format A paid-off house is real wealth, but you cannot pay a bill with it. Add up the true cost of staying, including the roof, other repairs, taxes and insurance, and compare it with the full cost of moving, including selling costs and the next home. Whichever you choose, keep an emergency cushion you can reach within days. https://cdn.sanity.io/files/ludb71np/production/2867a1e109586ed23a54941444621614c9c7e758.mp4 41 2026-10-03T20:19:34.707Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/husband-handled-all-our-money-where-to-begin My husband handled all our money. Now he's gone. Where do I begin? https://cdn.sanity.io/images/ludb71np/production/b1a9452274853c00ed3442413a4af92f7cd4068c-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Go gently, and keep the essential bills paid. Last year's tax return and the statements that arrive by mail will lead you to every account, and you do not need his passwords: each bank or company will deal with you directly once you send a death certificate. Call Social Security about survivor benefits, make no big decisions for a while, and never act on a caller's offer. https://cdn.sanity.io/files/ludb71np/production/42d8922876a116b5dd6b9e503dcb825dc49dda01.mp4 40 2026-10-04T18:26:43.478Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/husband-moved-emergency-fund-into-coin My husband moved our emergency fund into an influencer's coin. Now what? https://cdn.sanity.io/images/ludb71np/production/f1aa20b5a7e514836ffbe5a50cc41e0db550e07a-1080x1920.jpg?w=1080&q=75&fit=max&auto=format An emergency fund has one job: to be there, in full, when a crisis comes. A coin promoted by an influencer can halve in a week, and meme coin buyers do not have the protections of federal securities laws. Talk calmly, agree that emergency money is off limits and that large moves need both of you, then rebuild the fund first. https://cdn.sanity.io/files/ludb71np/production/eeec1f443c7bb322c0b7e243cb40c60f32a9d184.mp4 42 2026-10-12T07:37:25.950Z 2026-10-12T07:37:26.000Z monthly 0.6 https://www.junah.biz/scenarios/husband-wants-to-be-stay-at-home-dad I earn $140,000. My husband wants to quit and stay home. Are we wrong? https://cdn.sanity.io/images/ludb71np/production/5ea7129458d4cd8129d4c746b1fe02a727b64893-1080x1920.jpg?w=1080&q=75&fit=max&auto=format It can make sense. After federal income tax and payroll taxes, his $45,000 is worth about $31,600, almost exactly the $31,200 a year you pay for daycare. If he stays home, protect his future: contribute to an IRA in his name, keep his skills current, and insure your income. What his mother thinks is not a budget line. https://cdn.sanity.io/files/ludb71np/production/be321990da81adacf7d8364502214e19748060b6.mp4 41 2026-10-17T16:05:09.660Z 2026-10-17T16:05:10.000Z monthly 0.6 https://www.junah.biz/scenarios/inherited-60000-cousin-keeps-hinting Mom left me $60,000, and my cousin keeps hinting. Where should it go? https://cdn.sanity.io/images/ludb71np/production/23e53b8eecac377d406801a8a175bc7304665705-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Give yourself time first: keep the money in an insured account while you grieve. Then use your mother's gift to shore up your own future, since $10,000 saved at 45 leaves you behind for retirement. An emergency fund, any high-interest debt and your retirement savings come first. If you want to help your cousin, decide on a fixed sum you can afford and give it as a gift rather than a loan. https://cdn.sanity.io/files/ludb71np/production/6f5d91d72dae671a955d2495b2689429596c52c1.mp4 40 2026-10-06T11:04:32.706Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/knotless-braids-275-too-much Seven hours of braiding for $275, and clients call it a rip-off. Too much? https://cdn.sanity.io/images/ludb71np/production/bfd5fccda380d4828ea6dcdf98db3b2b2c135de6-1080x1920.jpg?w=1080&q=75&fit=max&auto=format No. Seven hours for $275 is about $39 an hour before costs, and after hair, chair rent, supplies and self-employment tax, your take-home is lower still. Work out your true hourly pay, publish a clear price list showing what is included, take deposits, and price for the clients who value skilled work. https://cdn.sanity.io/files/ludb71np/production/07f85feb585d854c4b56576b1223e3cc4bcab6f2.mp4 42 2026-10-18T16:48:06.305Z 2026-10-18T16:48:06.000Z monthly 0.6 https://www.junah.biz/scenarios/laid-off-56-401k-into-franchise Laid off at 56. Should I roll my 401(k) into a franchise? https://cdn.sanity.io/images/ludb71np/production/d46e40fca86a996d3700b8b0b395b0046f858ed2-1080x1920.jpg?w=1080&q=75&fit=max&auto=format It can be done legally, through an arrangement called ROBS, but an IRS review found most such businesses had failed or were heading that way. Before risking $250,000, read the Franchise Disclosure Document, check earnings claims in Item 19 and turnover in Item 20, hire your own lawyer and accountant, and consider putting only part of your savings in. https://cdn.sanity.io/files/ludb71np/production/5ae5ab77ea340f8593021d60b53fa8bbd43322d9.mp4 43 2026-10-17T07:55:47.768Z 2026-10-17T07:55:48.000Z monthly 0.6 https://www.junah.biz/scenarios/laid-off-at-52-severance-mortgage-or-cash Laid off at 52 with $40,000 in severance. Pay the mortgage or hold the cash? https://cdn.sanity.io/images/ludb71np/production/80bd0606174ab4df1e19048d53022552011660f6-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Right after a layoff, cash is usually worth more than a smaller mortgage. Money in savings pays the bills while you look for the right job. Money paid into the house is hard to get back, and your monthly payment stays the same. Keep the severance in an insured account, sort out health coverage within 60 days, file for unemployment, and keep your retirement savings untouched. https://cdn.sanity.io/files/ludb71np/production/7c3116773b0f32deeea4471692712f763e598d68.mp4 41 2026-10-05T20:14:30.539Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/land-back-home-or-savings-here My friends are buying land back home. Should my savings go there or stay here? https://cdn.sanity.io/images/ludb71np/production/39c76b6d1b810cf6deac8f2fab46be867b593a6f-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Land back home can be a wise part of your wealth, but titles can be false, relatives can disappoint and currencies can fall. Have your own lawyer confirm the title with an official search, pay in stages, and never send all your savings. Keep an emergency fund here and keep contributing to your 401(k), at least enough for any employer match, so your retirement grows on both continents. https://cdn.sanity.io/files/ludb71np/production/910506b0c2ceb9c62d830170f72419b624aa5114.mp4 42 2026-10-06T11:07:11.955Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/lobola-two-weddings-12000 Lobola, a wedding back home and a white wedding here. How do we afford it? https://cdn.sanity.io/images/ludb71np/production/91b62095fb1c03ff19b0d95979d738ccbc1cb647-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Start with one total, $12,000, and agree as a couple that you will not borrow beyond it. Talk with both families early about what matters most to each, and learn how and when the lobola is expected. Then divide the money among the lobola, the trip home, the traditional wedding and a celebration here, keeping a small cushion. Honoring tradition and starting married life free of debt can go together. https://cdn.sanity.io/files/ludb71np/production/19e51724bc357b02c1bab9aad2bcb0ea89b9370e.mp4 42 2026-10-10T07:10:37.481Z 2026-10-10T08:22:08.000Z monthly 0.6 https://www.junah.biz/scenarios/lost-4000-sports-betting-hiding-it I've lost $4,000 on sports betting and I'm hiding it. How do I stop? https://cdn.sanity.io/images/ludb71np/production/0e2f14d3bb3860dbaac3769bc8da8694bdd6245f-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Start by telling one person and calling the free National Problem Gambling Helpline at 1-800-MY-RESET. Then make betting harder: join Louisiana's self-exclusion list, set every account's limits to the lowest they go and delete the apps. Stop trying to win the $4,000 back. List what you owe, put rent first, then make a plan for the card. https://cdn.sanity.io/files/ludb71np/production/afa584be11ec68aa5e0ec6d4d49be60942135565.mp4 40 2026-10-11T19:33:27.730Z 2026-10-11T19:33:27.000Z monthly 0.6 https://www.junah.biz/scenarios/medicare-ads-0-premium-how-to-choose Every ad says $0 premium and free dental. How do I choose a Medicare plan? https://cdn.sanity.io/images/ludb71np/production/971a562b66fcf5aa4c5fe3fb4faa0d6c4298e3f6-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Judge a plan by its total yearly cost, not its premium. Check that your doctors and hospitals are in the network, that your medicines are covered, and what the plan's out-of-pocket limit is. Even with a $0 premium plan, you still pay the Part B premium. In Kansas, the free SHICK counselors compare plans with you and sell nothing. Changes made by December 7 take effect January 1. https://cdn.sanity.io/files/ludb71np/production/6d36eeba1e18b4cdd22d29d9b2548ef95e4fe38a.mp4 41 2026-10-07T14:48:35.921Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/mom-dementia-quit-job-to-care Mom has dementia. Do I quit my job to care for her? https://cdn.sanity.io/images/ludb71np/production/99022900be6c7e2881adeb43e5601b7312e1711c-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Not before you have looked at the alternatives. Quitting at 51 can cost you pay, health insurance, retirement savings and future Social Security. First ask your employer about FMLA leave and flexible hours, contact your Area Agency on Aging and North Carolina's Project CARE, and ask whether Medicaid could pay for an aide, possibly you. Then hold a family meeting with real numbers. https://cdn.sanity.io/files/ludb71np/production/1028b92e06cee29bfe12925716c3ebe8d2b18fa2.mp4 43 2026-10-12T07:13:43.416Z 2026-10-12T07:13:43.000Z monthly 0.6 https://www.junah.biz/scenarios/mom-opened-credit-card-in-my-name My mom opened a credit card in my name. Do I have to report her? https://cdn.sanity.io/images/ludb71np/production/e0557a9975ae7553009c0d810cf588f2d29655a4-1080x1920.jpg?w=1080&q=75&fit=max&auto=format You can protect yourself without deciding everything about your mother today. Place a free freeze with Equifax, Experian and TransUnion, pull your reports, and get the tenant screening report the landlord used. To have the card removed, you will usually need an FTC identity theft report from IdentityTheft.gov, which lets the bureaus block the account. Whether to press charges is a separate choice. https://cdn.sanity.io/files/ludb71np/production/20448718738f57e37837b36f2c504fcdcc84063a.mp4 41 2026-10-12T07:12:01.221Z 2026-10-12T07:12:01.000Z monthly 0.6 https://www.junah.biz/scenarios/mother-89-in-lusaka-bring-her-or-care-there My mother is 89 in Lusaka. Bring her here, or pay for care there? https://cdn.sanity.io/images/ludb71np/production/eac535842d7b336bb9c4c3d566f625bdad6d43ab-1080x1920.jpg?w=1080&q=75&fit=max&auto=format There are two good paths, and the choice is yours. Bringing her here keeps her near you, but means sponsoring her, promising to support her, and covering her health care for years, since a new green card holder usually waits five years to buy into Medicare. Care at home in Lusaka can cost far less and keep her near her church and friends, but you oversee it from far away. https://cdn.sanity.io/files/ludb71np/production/3b5f53c5bde7e35e51f9459497bfbb686fb29d5a.mp4 46 2026-10-17T09:42:48.340Z 2026-10-17T09:42:48.000Z monthly 0.6 https://www.junah.biz/scenarios/mother-in-law-stopped-paying-her-share My mother-in-law stopped paying her share of our $660,000 house. What now? https://cdn.sanity.io/images/ludb71np/production/978142b3c5d4ed1f4dc9986dadb23618cba1d44c-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Keep the mortgage current first, because the lender expects the full payment whatever the family agreed, and late payments can mark every borrower's credit. Then read the deed to learn who owns your late father-in-law's share, and put a new arrangement in a signed agreement: rent, a buyout or a sale. https://cdn.sanity.io/files/ludb71np/production/3d6eaeeae574fd3ab0afad65e426d1da497570c9.mp4 43 2026-10-18T17:42:28.732Z 2026-10-18T17:42:29.000Z monthly 0.6 https://www.junah.biz/scenarios/new-hire-earns-9000-more I trained the new hire. Now I learn he earns $9,000 more than me. https://cdn.sanity.io/images/ludb71np/production/57a02cd1f1df0bb29af5a17d89b957ce6eb18e2a-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Turn the frustration into a written case. Gather the posted pay range, market pay data for your role, your results in numbers and your record of training others. Then ask your manager for a specific raise. In one survey, 82 percent of full-time workers who asked for a raise received one. If the answer is no, ask what it would take and by when, and look at outside offers in the meantime. https://cdn.sanity.io/files/ludb71np/production/395ed0746ab00125cc9b94b2ad7ed73ccbebd642.mp4 41 2026-10-10T07:07:58.654Z 2026-10-10T08:22:09.000Z monthly 0.6 https://www.junah.biz/scenarios/new-to-the-us-build-credit-from-zero I'm new to the U.S. with no credit score. How do I build credit from zero? https://cdn.sanity.io/images/ludb71np/production/969b110de28631157f8df03523d71ae415fde449-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Credit history usually does not follow you across borders, so you start with a blank U.S. record. Open one small account that reports to the credit bureaus, such as a secured card or a credit-builder loan, use it lightly and pay on time every month. A score usually appears after about six months. Until then, proof of income, a larger deposit or a guarantor can help you rent. https://cdn.sanity.io/files/ludb71np/production/dc8372332dd1576c27b27805ec169814de60aff7.mp4 45 2026-10-02T14:36:27.683Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/nurse-contract-leaving-costs-30000 I came here as a nurse. My contract says leaving costs $30,000. Am I trapped? https://cdn.sanity.io/images/ludb71np/production/6e63df31673f1f283d4e9fbc822203c1a9b5642a-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Not necessarily. Courts and regulators have pushed back on stay-or-pay contracts: one federal court found a $25,000 nurse exit fee unenforceable and a violation of anti-trafficking law, and California and New York have passed laws restricting these clauses. Before paying anything, have a lawyer look at it at no cost, keep every document and your own passport, and plan your next step carefully. https://cdn.sanity.io/files/ludb71np/production/1239a001aa84effe67dfd659449c8decff458ae9.mp4 42 2026-10-17T09:45:25.284Z 2026-10-17T09:45:25.000Z monthly 0.6 https://www.junah.biz/scenarios/nursing-home-9600-will-medicaid-take-house Mom's nursing home costs $9,600 a month. Will Medicaid take her house? https://cdn.sanity.io/images/ludb71np/production/0d1338040d8414a16cf88cd8c9229bc9d517d4e3-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Not while she is alive, in most cases. A home can often be kept while she qualifies for Medicaid, and New York's 2026 home equity limit is $1,130,000. After her death, the state can claim against her estate, though not while a spouse, a child under 21 or a blind or disabled child survives. Gifting the house now can trigger a penalty, so see an elder law attorney first. https://cdn.sanity.io/files/ludb71np/production/d6b147fcc5d0b5ef541c7f15bdcde2e2b3b58b0f.mp4 42 2026-10-12T07:15:15.085Z 2026-10-12T07:15:15.000Z monthly 0.6 https://www.junah.biz/scenarios/offer-52000-first-paycheck-so-small My offer said $52,000. Why is my first paycheck so small? https://cdn.sanity.io/images/ludb71np/production/2e8e50f264c71efec9434b789a1609a9d40fa0fe-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Your salary is your pay before anything comes out. Federal income tax, Social Security and Medicare, state and local taxes, your share of health insurance and any retirement savings all leave each paycheck first. On a $2,000 paycheck in Pittsburgh, about $1,500 landing is normal. Go through your pay stub line by line, use the IRS estimator to test your withholding, and plan your spending around take-home pay. https://cdn.sanity.io/files/ludb71np/production/364e049993174776c342954532e192a9159ed370.mp4 43 2026-10-05T10:06:36.850Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/offered-to-buy-the-laundromat-150000 The owner offered to sell me the laundromat for $150,000. Is this my chance? https://cdn.sanity.io/images/ludb71np/production/ad0ca1b32af6ab91aee3b536ee8d8cb8387d6d56-1080x1920.jpg?w=1080&q=75&fit=max&auto=format It may be. Before anything else, check the business on paper: three years of tax returns, the utility bills for the same years, the age of the machines and the terms of the lease. Then make sure its profit can pay both the loan payments and a fair wage for you. Buyers often combine their own savings, a bank or SBA-backed loan and a loan from the seller. https://cdn.sanity.io/files/ludb71np/production/a1acb6988f9c6503773ba400911a8a85aa8460ff.mp4 41 2026-10-11T07:34:19.637Z 2026-10-11T07:34:19.000Z monthly 0.6 https://www.junah.biz/scenarios/paid-supplier-back-home-6000-no-fabric I paid my supplier back home $6,000 upfront. The fabric never came. https://cdn.sanity.io/images/ludb71np/production/05d6689a897a3d08781f4a9aba9b5ff153f24ff2-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Stop sending money, gather every message, invoice and receipt, and send the supplier a clear written demand with a deadline for delivery or a refund. Confirm the payment reached his usual account, contact your bank, and consider a lawyer in Senegal if he still does not respond. For future orders, split the payment, part upfront and the rest once the goods are inspected, or use a bank letter of credit. https://cdn.sanity.io/files/ludb71np/production/ae4aae84f36f551c5ac50746690288ee44e39c96.mp4 44 2026-10-11T15:11:51.079Z 2026-10-11T15:11:51.000Z monthly 0.6 https://www.junah.biz/scenarios/parents-spending-inheritance-on-cruises My parents are spending our inheritance on cruises. Do I say something? https://cdn.sanity.io/images/ludb71np/production/5303d982f75a55edf966fc641354a825a030647b-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Their savings are theirs to spend, and an inheritance is never a promise. What does affect you is whether care later in life has been planned for, since Medicare does not pay for long-term care and most people turning 65 will need some. Raise it gently, as a question about their wishes, not their spending. https://cdn.sanity.io/files/ludb71np/production/3b8a9bbad57aa0ef32c02d011c9cf4b4d6782fff.mp4 39 2026-10-17T12:08:03.065Z 2026-10-17T12:08:03.000Z monthly 0.6 https://www.junah.biz/scenarios/partner-earns-double-split-rent-fairly My girlfriend earns double what I do. Is splitting rent 50/50 fair? https://cdn.sanity.io/images/ludb71np/production/8af724eca7d3b9ce9191c23edbf150de182582cd-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Couples usually split rent one of two ways: evenly, or by each person's share of their combined income. On a $2,400 apartment, an even split is $1,200 each. Split by income, the partner earning $45,000 pays $800 and the one earning $90,000 pays $1,600, so each spends about the same share of pay. Neither is wrong. Choose together before you sign, and look at it again each year. https://cdn.sanity.io/files/ludb71np/production/9ab971c4f30b2bb4bc316015ac252f39d0a622d5.mp4 43 2026-10-05T20:15:12.921Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/pay-off-3-percent-mortgage-or-invest My wife wants our 3% mortgage paid off. I want to invest. Who's right? https://cdn.sanity.io/images/ludb71np/production/941e6695c0dfe1af0162945dff2b283e04115b18-1080x1920.jpg?w=1080&q=75&fit=max&auto=format With safe savings and Treasury bills paying around 4 percent in autumn 2026, investing the extra usually beats paying down a 3 percent loan on paper. But a paid-off home brings security that numbers miss. Make sure an emergency fund and retirement savings come first, then many couples split the $500 between the two goals. https://cdn.sanity.io/files/ludb71np/production/86c21c2de9503c9a11993ac4186fcf7c467224d7.mp4 37 2026-10-17T13:00:33.048Z 2026-10-17T13:00:33.000Z monthly 0.6 https://www.junah.biz/scenarios/paying-parents-400-stay-or-move-out I pay my parents $400 rent. Do I stay and save, or move out? https://cdn.sanity.io/images/ludb71np/production/6116153a76d276d6a01d3fb112ed7936567d2fab-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Living at home is a smart season if the money you save has a job. The difference between $400 and $1,300 is $900 a month, about $10,800 a year. Give it a goal, such as an emergency fund, paying off debt and the costs of moving, and set a date to leave. Then you move out when you are ready, rather than when someone else's lease decides for you. https://cdn.sanity.io/files/ludb71np/production/e8e5345501b24283ad0805b952bd8fd2deacfe93.mp4 41 2026-10-11T07:36:37.561Z 2026-10-11T07:36:37.000Z monthly 0.6 https://www.junah.biz/scenarios/pension-back-home-worth-almost-nothing I taught for 30 years back home. Now my pension there is worth almost nothing. https://cdn.sanity.io/images/ludb71np/production/a2360df3b76e0ac8706d71f188fd70cf336b1078-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Start by checking every benefit you may qualify for. If your Social Security was ever reduced because of your foreign pension, a 2025 law ended that reduction, with back pay. Medicare Savings Programs can pay your Part B premium, and qualifying brings Extra Help with prescriptions. Food assistance, SSI and help with heating bills may also be open to you. North Carolina's free SHIIP counselors can help you apply. https://cdn.sanity.io/files/ludb71np/production/c8967bb0ca042350c21647ae74226ff7b922dd50.mp4 44 2026-10-11T15:13:27.479Z 2026-10-11T15:13:27.000Z monthly 0.6 https://www.junah.biz/scenarios/pledged-5000-at-church-dont-have-it I pledged $5,000 at church in the moment. I don't have it. Now what? https://cdn.sanity.io/images/ludb71np/production/667ff90efe5d31c59c9099ec2d6067cd4552d1dc-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Go to your pastor privately and honestly, explain that you pledged more than you have, and offer what you can genuinely give, perhaps spread over months. Do not borrow to pay it. Scripture takes vows seriously, and it also teaches that a gift is accepted according to what a person has, not what they have not. https://cdn.sanity.io/files/ludb71np/production/70bb7f8d29eef8377cd545e1b6e97c4803d94d0d.mp4 39 2026-10-18T16:51:22.829Z 2026-10-18T16:51:23.000Z monthly 0.6 https://www.junah.biz/scenarios/remarrying-at-52-merge-or-separate Remarrying at 52 with five kids between us. Merge money or keep it separate? https://cdn.sanity.io/images/ludb71np/production/85e80ceb7db4f3d6ea90eb258b6184bd6dd32a01-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Many couples in second marriages keep their own accounts and share one for household bills. With children and a house on each side, a family lawyer and a counselor who works with couples can help you settle the rest before the wedding. Federal law generally gives a new spouse a claim on your 401(k) until he gives it up in a written, witnessed waiver after the wedding, so a prenuptial agreement alone will not do. https://cdn.sanity.io/files/ludb71np/production/05cbb610468f4da11b136b975e8f51a38222a16a.mp4 40 2026-10-17T08:34:23.637Z 2026-10-17T08:34:23.000Z monthly 0.6 https://www.junah.biz/scenarios/retire-back-home-to-ghana-what-first We want to retire back home to Ghana. What should we get in order first? https://cdn.sanity.io/images/ludb71np/production/d3f27eff68c5dc43e16b50a496667862686a6aa4-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Find out how your Social Security will be paid in Ghana, and keep a U.S. bank account open. Plan your health care carefully, because Medicare generally does not cover care outside the U.S., and decide in advance what to do about Medicare Part B. Sort out taxes in both countries, and try a long stay in Ghana before you sell anything here. https://cdn.sanity.io/files/ludb71np/production/a4a55fc56cfbda670641cde7bb16ff0437f57d0f.mp4 38 2026-10-05T03:43:22.360Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/retired-savings-dropped-40000-stop-withdrawing My savings dropped $40,000 after I retired. Do I stop withdrawing? https://cdn.sanity.io/images/ludb71np/production/d2701bfc381b9997a487178b6bd039a0933a2738-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Selling in a panic usually turns a paper loss into a real one. If you can, take your monthly withdrawals from cash or bonds while stocks recover, trim extra spending for a season, and keep one to two years of withdrawals in cash going forward. Losses early in retirement do the most damage when you sell low to pay the bills, so where you draw from matters as much as how much. https://cdn.sanity.io/files/ludb71np/production/19433eebdc48d003f818296972a4bbb5c7810690.mp4 41 2026-10-05T10:05:53.330Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/reverse-mortgage-tax-free-cash-catch TV says a reverse mortgage means tax-free cash. What's the catch? https://cdn.sanity.io/images/ludb71np/production/4bdaadd149c9299c2a5caf85e655fb620a9cebee-1080x1920.jpg?w=1080&q=75&fit=max&auto=format It is a loan, and the balance grows over time. You must keep paying property taxes, homeowners insurance and upkeep, or the lender can call the loan, which is how people lose homes. Costs include an upfront insurance charge of 2 percent and fees. The money is not taxable income, and you must see a HUD-approved counselor before you can borrow. https://cdn.sanity.io/files/ludb71np/production/22557400d90f80d4b698248a4b10e31148dfbe05.mp4 39 2026-10-17T15:48:30.728Z 2026-10-17T15:48:30.000Z monthly 0.6 https://www.junah.biz/scenarios/saved-900000-scared-to-spend We saved $900,000 and I panic over a $40 dinner. How do I let myself spend? https://cdn.sanity.io/images/ludb71np/production/c2ad1325b97dd1195785ec91c9728b4e1a91122d-1080x1920.jpg?w=1080&q=75&fit=max&auto=format You are far from alone. Research from EBRI found retirees with $500,000 or more had spent down only about 12 percent of their savings nearly two decades into retirement. A clear spending plan helps: decide a sustainable yearly amount with a fee-only planner, have it paid to you monthly like a salary, and give yourselves permission to use it. https://cdn.sanity.io/files/ludb71np/production/cb0007aa5981e79360effba14ea470724acd43de.mp4 43 2026-10-17T16:04:07.446Z 2026-10-17T16:04:07.000Z monthly 0.6 https://www.junah.biz/scenarios/seasonal-business-pay-myself-every-month My food truck booms in summer and stalls in winter. How do I pay myself? https://cdn.sanity.io/images/ludb71np/production/30463122e360d42c0ba84e7b5644cc63f28fe6b6-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Add up a full year's profit, take out a share for taxes and the costs that run all winter, and divide what is left by twelve. That is your monthly salary. Pay it to yourself on the same day each month, and let the busy months fill a separate reserve account that keeps paying you through the quiet ones. https://cdn.sanity.io/files/ludb71np/production/60765004564844ee7169e0730c770934827f7aa6.mp4 46 2026-10-03T06:51:45.587Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/send-600-home-every-month-nothing-saved I send $600 home every month and have nothing saved. How do I keep helping? https://cdn.sanity.io/images/ludb71np/production/2a8bbc58009395d4770bffd6fc6b08639bb2afc2-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Choose a steady amount you can keep sending for years, even in a hard month, rather than everything you have left. Save a little for yourself first, on payday, so a lost job or an illness does not stop the help altogether. Then agree with your family which needs come first, such as school fees and essentials, and look for cheaper ways to send. https://cdn.sanity.io/files/ludb71np/production/0859b713aa7961576e4cb0880e31e6e6abc92dc1.mp4 40 2026-10-05T10:06:07.427Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/sending-money-home-to-build-a-house I've sent money home for five years to build a house. How do I know it's real? https://cdn.sanity.io/images/ludb71np/production/10c02a7b627baa1832fd71ca48140365b8777f5b-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Pause new money until someone independent, with no part in the building, visits the site and shows you what is really there. Check that the land is registered in your name, using a lawyer you choose yourself. From then on, pay in stages for progress you can see, pay builders and suppliers directly where you can, and keep every receipt. https://cdn.sanity.io/files/ludb71np/production/6aac175a84e93155c8aa8e5778df92bff9c37a3e.mp4 40 2026-10-05T15:04:09.094Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/sent-11000-farm-back-home-no-profit I've sent $11,000 to a farm back home and seen no profit. Farmer or fool? https://cdn.sanity.io/images/ludb71np/production/9d8bf8d80b45040dd88e9ea9f02707cd5b1b091d-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Not a fool, but you need eyes and numbers. Ask for weekly records with photos and receipts, have someone with no stake in the money visit, and pay suppliers yourself where you can. Put a written agreement in place with your nephew, set a limit on what you will send, and give the farm a deadline to cover its own costs. https://cdn.sanity.io/files/ludb71np/production/1c1ac8e4b7d6679a0d3d8fb03795d566584e40b8.mp4 41 2026-10-17T09:41:11.167Z 2026-10-17T09:41:11.000Z monthly 0.6 https://www.junah.biz/scenarios/separate-business-and-personal-money My business and personal money share one account. Where do I begin? https://cdn.sanity.io/images/ludb71np/production/c5a4b924ff880a306d5091e537594aaa9f845e33-1080x1920.png?w=1080&q=75&fit=max&auto=format Open a separate checking account for the business, so every sale goes in and every business cost comes out. Pay yourself a set amount on a set day, and move a share of every sale into its own tax account. An accountant can help you set that share and plan your estimated tax payments. https://cdn.sanity.io/files/ludb71np/production/c0ba3bad5c0b29c4cda8f7785b0e26e01597d4f7.mp4 42 2026-10-01T22:46:23.795Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/spending-kids-inheritance-on-travel-selfish We're 68 and spending our kids' inheritance on travel. Is that selfish? https://cdn.sanity.io/images/ludb71np/production/d3bc7bf8b9b49ce0c6c612c5b6919bbcb048667c-1080x1920.jpg?w=1080&q=75&fit=max&auto=format No. You earned your savings, and enjoying them is not selfish. The loving part is planning for later: most people turning 65 will need some long-term care, and Medicare does not pay for most of it. Set a travel budget your savings can sustain, keep a reserve for care, check your health coverage abroad, and tell your son your plan. https://cdn.sanity.io/files/ludb71np/production/d78bfce1269e9d2aa938cfbfe8c82dc739882609.mp4 42 2026-10-17T11:57:23.324Z 2026-10-17T11:57:23.000Z monthly 0.6 https://www.junah.biz/scenarios/student-loan-payment-0-to-540 My student loan payment went from $0 to $540. What do I do? https://cdn.sanity.io/images/ludb71np/production/54862296d2f781df9ad79c63b163ff42238467c1-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Missing the SAVE deadline put you on a standard plan, but it did not lock you out. You can still apply for income-driven repayment at studentaid.gov. On a $48,000 income, the new Repayment Assistance Plan would be about $160 a month, and Income-Based Repayment roughly $200 to $300. Apply now, ask your servicer what is due meanwhile, and keep paying something. https://cdn.sanity.io/files/ludb71np/production/7bd818df324b84d48bde4380b0d33fbc2ed66205.mp4 42 2026-10-12T07:23:09.708Z 2026-10-12T07:23:09.000Z monthly 0.6 https://www.junah.biz/scenarios/timeshare-exit-4500-upfront-legit A company will get us out of our timeshare for $4,500 upfront. Legit? https://cdn.sanity.io/images/ludb71np/production/89394398c08e26909ad61899fa8fc7fe3fbfa4b1-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Be very careful. The FTC warns that demanding large fees before doing anything is a sign of an exit scam, and in 2026 a court ordered one exit scheme's operator to pay $140 million. Start by contacting your timeshare company directly, since some have exit programs, and never pay an upfront fee for a promised result. https://cdn.sanity.io/files/ludb71np/production/0681064562c69d859a39b7bd932d560c92920261.mp4 39 2026-10-17T15:49:17.581Z 2026-10-17T15:49:17.000Z monthly 0.6 https://www.junah.biz/scenarios/tip-screen-30-percent-am-i-cheap The tip screen asks for 30% on a $6 latte. Am I cheap for pressing no tip? https://cdn.sanity.io/images/ludb71np/production/b359d62e1383804db73b4fd4e5eaaa03fcb3af3b-1080x1920.jpg?w=1080&q=75&fit=max&auto=format No, choosing no gratuity at a counter is not rude, and it does not make you cheap. Only a quarter of coffee shop customers say they always or often leave one. A small amount for a handmade drink is a kindness, not a debt. Decide your own rule before you reach the counter, so the screen stops deciding for you. https://cdn.sanity.io/files/ludb71np/production/123d43d10e4ce6ecbb8173e83acc0c6205ad1658.mp4 42 2026-10-17T12:46:04.276Z 2026-10-17T12:46:04.000Z monthly 0.6 https://www.junah.biz/scenarios/tithe-or-travel-at-71 We're 71. Tithe 10% or see Europe while we still can? https://cdn.sanity.io/images/ludb71np/production/8688321e79a43a564566506c8d66bd95ee00ef56-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Often, yes. Giving 10% of $8,000 is $800 a month, and a trip can have its own line saved month by month. From age 70½, gifts sent straight from a traditional IRA to a church, called qualified charitable distributions, stay out of taxable income, which can free money for travel. Check health cover abroad, too. https://cdn.sanity.io/files/ludb71np/production/4c2d6cc5b566f959667edaa0553f639ba52b8c83.mp4 43 2026-10-18T17:42:42.443Z 2026-10-18T17:42:42.000Z monthly 0.6 https://www.junah.biz/scenarios/travel-softball-9000-a-year Travel softball costs us $9,000 a year. Are we overdoing it? https://cdn.sanity.io/images/ludb71np/production/add8620246673737ade31c16e9efc74fcf768aaa-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Keep the joy, but put a ceiling on it. The NCAA says only about 2 percent of high school athletes receive athletic scholarships, and many cover only part of the cost, so a scholarship is a hope, not a plan. Set a yearly sports budget you can afford, restart your savings, and put money aside for her education directly, so her future does not depend on how well she plays. https://cdn.sanity.io/files/ludb71np/production/c7923a8bd18b21119fb58799ed03a0072f042b37.mp4 42 2026-10-11T07:38:14.774Z 2026-10-11T07:38:14.000Z monthly 0.6 https://www.junah.biz/scenarios/treasury-bills-back-home-17-percent Treasury bills back home pay 17%. Why not send my savings there? https://cdn.sanity.io/images/ludb71np/production/621b19fca52753372f28f19aed8062e88953995e-1080x1920.jpg?w=1080&q=75&fit=max&auto=format The rate is real, but so is the currency risk. Nigeria's one-year treasury bill sold at 16.62 percent in September 2026. If the naira falls about 11 percent against the dollar in a year, 17 percent leaves you no better off than 4 percent at home, and in 2023 and 2024 it fell far more. Keep your safety net in dollars, and send only money you could afford to lose. https://cdn.sanity.io/files/ludb71np/production/4eb018de1c3e99a4fe26f149e869e929b72120c2.mp4 41 2026-10-17T09:44:12.710Z 2026-10-17T09:44:12.000Z monthly 0.6 https://www.junah.biz/scenarios/tuition-didnt-change-the-naira-did My tuition didn't change. The naira did. How do I stay in college? https://cdn.sanity.io/images/ludb71np/production/729fa62e57a689d0a1ee437b302c53d215a4b8f9-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Go to the international student office and the bursar this week, before the hold costs you a semester. Ask whether a payment plan can lift the hold, and which emergency grants or scholarships are open to you. If you hold an F-1 visa, a sharp fall in your family's currency is one of the reasons USCIS lists for off-campus work permission, though you need your school's recommendation and approval first. https://cdn.sanity.io/files/ludb71np/production/e03d0135f942a3c1c8ea7c41dec7df0a4ed051e1.mp4 43 2026-10-17T16:05:58.243Z 2026-10-17T16:05:58.000Z monthly 0.6 https://www.junah.biz/scenarios/turning-62-when-to-claim-social-security I turn 62 soon. How do I decide when to claim Social Security? https://cdn.sanity.io/images/ludb71np/production/f5c828b6bcefb84d04fd1c52508cee709974ef61-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Claiming at 62 locks in a smaller check for life: about 30 percent less than at 67, your full retirement age if you were born in 1960 or later. Each year you wait past 67, up to 70, adds 8 percent. Weigh your health, your savings, whether a spouse depends on your benefit, and how you will cover health insurance until Medicare at 65. https://cdn.sanity.io/files/ludb71np/production/ce606407394bf534dbf10325070639f51c430b1e.mp4 41 2026-10-04T10:34:37.703Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/turning-work-away-afford-first-hire I'm turning work away. Can I afford my first hire? https://cdn.sanity.io/images/ludb71np/production/c4ae081a1f2827c01077a2c075d190ccb047e5ee-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Count the full cost of a helper, not just the hourly wage: payroll taxes, unemployment taxes and workers' compensation insurance all add to it. Weigh that against the profit from the extra jobs you could take on. If the numbers work, start part-time, and learn the hiring rules, the paperwork and the difference between an employee and a contractor before your helper's first day. https://cdn.sanity.io/files/ludb71np/production/4466433b39046096f2a5eedfe823bce9d2ab0f03.mp4 39 2026-10-05T03:26:10.824Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/wedding-photographer-do-i-need-an-llc I'm a wedding photographer. Do I need an LLC? https://cdn.sanity.io/images/ludb71np/production/b1525f9919982b8579e27c5463b46da1ef0e43d6-1080x1920.jpg?w=1080&q=75&fit=max&auto=format An LLC can keep business claims and debts away from your personal savings and home, as long as you run it as a separate business with its own bank account. It does not lower your taxes on its own, and it does not protect you from your own mistakes. That is why liability insurance is equally important. In Georgia, forming an LLC costs about $110 online, plus a small yearly registration. https://cdn.sanity.io/files/ludb71np/production/11d20eb0234d335e955830a8b14874cbe674a25a.mp4 41 2026-10-07T19:03:40.461Z 2026-10-09T14:57:04.000Z monthly 0.6 https://www.junah.biz/scenarios/why-save-if-i-will-never-afford-a-house Why save if I'll never afford a house? Convince me I'm wrong. https://cdn.sanity.io/images/ludb71np/production/746972c48728b0d94347c75a199030e4b6a64d6e-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Yes. A house is only one of the things savings buy. Savings also pay for emergencies, a job change, a move, a deposit on a better apartment, and someday a retirement. Even $50 a month at today's savings rates grows to over $7,000 in ten years. Keep the trips, but give your future a share first. https://cdn.sanity.io/files/ludb71np/production/7cd66d6ff775f2c782d21678c42ceb2c08fe0df5.mp4 39 2026-10-17T13:02:17.786Z 2026-10-17T13:02:18.000Z monthly 0.6 https://www.junah.biz/scenarios/widowed-sister-sending-money-to-online-man My widowed sister sends money to a man she's never met. How do I help? https://cdn.sanity.io/images/ludb71np/production/0e75c3cf037756a0c89e2163035dcc91a6be4319-1080x1920.jpg?w=1080&q=75&fit=max&auto=format Approach her with gentleness rather than anger, since embarrassment makes people hide things. Ask questions instead of making accusations, suggest a live video call, and remind her that someone who truly loves her would never ask for gift cards. Contact the gift card companies quickly about the $9,000, report it together to the FTC and the FBI, and above all, stay close. 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