A reader recently wrote to the Pay Dirt advice column, expressing concern about their mother possibly getting involved in another multi-level marketing (MLM) or crypto-based investment scheme. The mother, an immigrant who previously worked in her home country, has faced financial struggles after a divorce and is now at higher risk of falling for scams. A close friend with more financial knowledge has encouraged her to try these investment opportunities, but the reader is worried because their mother has already lost money in similar schemes before. The column’s response noted that people in vulnerable situations, like the reader’s mother, are often targeted by MLMs and crypto schemes. These types of programs frequently use psychological tactics that can be similar to those found in cults, making it hard for individuals to recognize the risks. The advice suggested that the reader approach their mother with concern and offer to help research any new investment opportunities. Using resources from official organizations like the Federal Trade Commission (FTC) and Securities and Exchange Commission (SEC) can help evaluate whether an opportunity is legitimate. Another reader wrote about a disagreement with their boyfriend over how to manage their finances. The couple lives together but keeps their money separate, each paying their own bills. The boyfriend proposed opening a joint account to cover shared expenses, excluding savings and personal purchases. The reader felt uneasy about this plan because it would require them to pay for expenses they see as unnecessary, such as dining out or buying new items. Their spending habits differ, and the reader is focused on saving for a house and future travel. The advice suggested considering a joint account for fixed shared expenses only, while finding a compromise that respects both partners’ financial priorities and preferences. A third reader described challenges with their husband’s family after inheriting a house from his grandmother. The house, a significant asset, has become a point of contention because the family is upset about the couple’s efforts to make the home livable for their child. The reader wanted to host a Halloween yard sale but was worried about how the family might react. The advice recommended asserting ownership of the house and making it a home for their family. They were encouraged to allow the family a final chance to take items they wanted before the sale but to remain firm in their decisions about how the house is furnished or maintained. The reader was advised not to let family members dictate how their home is run.