Author: Danielle Antosz

The owner of a commercial building in Huntington Park, California, says she’s been battling squatters for years — and she’s had enough.

Dr. Tahani Soliman, who owns an office near Rugby and Slauson avenues, says trespassers have repeatedly caused fires, stolen utilities and stripped rooftop air conditioning units. Despite spending thousands on repairs and security, she says local authorities have done little to help.

Don’t miss

• Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don’t have to deal with tenants or fix freezers. Here’s how
• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 6 of the easiest ways you can catch up (and fast)
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now

“It’s misery,” Soliman told KTLA 5. “I don’t deserve that.”

Gaby Rodriguez, who works with Soliman, said the most recent incident involved a fire set by squatters living on the roof of the adjacent building. Fire crews put it out, but she said it’s just the latest in a string of dangerous episodes.

In 2023, firefighters responded to another rooftop fire at the vacant parking structure next door. They found people living in tents, allegedly tapping into Soliman’s electricity and water.

Squatters keep coming back

Soliman said she’s tried again and again to secure the property. She’s put up fencing to block access from the neighboring roof, added barbed wire and even caged her AC units. But each time, she said, squatters tear it all down.

“We ended up putting a fence up — they pulled that down. Then we caged our AC units — they took that down, too,” Rodriguez told KTLA 5.

The trespassers have reportedly stripped rooftop equipment for parts and left behind damage that Soliman said has cost her nearly $100,000. She’s had to replace the entire roof and is even considering early retirement to save money.

Soliman said she’s contacted police and city officials several times, but received little support.

“I told them we have a building here empty, breeding homeless, do something about it,” Soliman said. “[The city said] ‘Oh, we’ll see, we’ll see.’”

KTLA 5 reports that the City of Huntington Park said it would look into the matter, but so far no action has been confirmed.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

A growing issue across California

Cases like Soliman’s are increasingly common across California, where housing insecurity and homelessness have reached crisis levels. A growing number of tenants have reportedly stopped paying rent and transitioned into squatters — a situation that leaves property owners stuck in legal limbo.

“The squatter problem isn’t getting better here,” Alex Capozzolo of SD House Guys told CBS 4. “We’ve had multiple rental properties have tenants stop paying and start squatting. It’s not always easy getting them out.”

Capozzolo estimated that California landlords typically spend between $5,000 and $12,000 in legal fees just to begin the eviction process.

Despite the cost, California law makes it difficult for property owners to remove squatters quickly — even in cases involving damage or safety risks.

A recent bill, AB 897, would have required squatters to show documentation proving their right to occupy a property. It was pulled following opposition.

According to The Center Square, opponents feared the bill could criminalize homelessness or wrongful evictions, though supporters argued it would protect landlords from dangerous situations like Soliman’s.

“Rather than addressing the root causes of our state’s housing crisis, AB 897 would accelerate pathways into homelessness,” said Housing California. “Landlords and tenants currently have access to civil eviction processes designed to address unauthorized occupancy.”

Under current law, squatters can sometimes establish legal occupancy if the owner doesn’t act fast — especially in places like Los Angeles County, where enforcement resources are stretched thin and homelessness remains widespread.

How to protect your property

California property owners dealing with squatters have limited options. Still, there are steps they can take:

• Act quickly: The longer someone stays, the harder it is to remove them. File a police report and start the eviction process immediately.
• Secure your property: Install fencing, cameras and motion lights. Make sure doors and windows are locked. Regularly inspect vacant buildings.
• Document everything: Take photos of damage, theft or unauthorized entry. Surveillance footage can help you in court or with law enforcement.
• Get professional help: Consult a real estate attorney familiar with California’s landlord-tenant laws. Some cases may qualify for an unlawful detainer lawsuit.
• Know your rights: While police may not remove squatters without a court order, they can intervene in cases involving trespassing, utility theft or fire hazards.

Though Soliman hopes the city will step up soon, her story highlights a deeper issue: California’s squatter laws leave property owners with few options — even when public safety is at risk.

What to read next

• You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here’s how
• Rich, young Americans are ditching the stormy stock market — here are the alternative assets they’re banking on instead

Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Disbarred attorney Tom Girardi, 86, was sentenced to seven years and three months in prison for embezzling millions from former clients, according to NBC News.

The former husband of the Real Housewives of Beverly Hills and a high-profile lawyer was once celebrated for his role in the landmark 1993 lawsuit against Pacific Gas and Electric Co.—the case that inspired the Oscar-winning film Erin Brockovich, starring Julia Roberts.

Don’t miss

• Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don’t have to deal with tenants or fix freezers. Here’s how
• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 6 of the easiest ways you can catch up (and fast)
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now

"This self-proclaimed ‘champion of justice’ was nothing more than a thief and a liar who conned his vulnerable clients out of millions of dollars," said U.S. Attorney Bilal Essayli.

In addition to prison time, Girardi was ordered to pay $2.3 million in restitution and a $35,000 fine. His lawyers argued he was mentally unfit to stand trial due to Alzheimer’s disease, but a federal court ruled he was competent.

How his victims were impacted

Girardi was convicted of four counts of wire fraud in August 2024. Prosecutors said he stole tens of millions of dollars in settlement funds from clients over a decade. Victims included people who suffered severe burns, widows of accident victims and families of those killed in high-profile disasters, like the 2018 Lion Air crash that killed 198 people.

He often misled clients, telling them their settlement money was delayed due to tax issues, debt obligations or the need for a judge’s approval.

"Girardi sent lulling communications to the defrauded clients that, among other things, falsely denied that the settlement proceeds had been paid and falsely claimed that Girardi Keese [lawfirm] could not pay the settlement proceeds to clients until certain purported requirements had been met," said the U.S. Attorney’s Office for the Central District of California in a news release.

According to Business Insider, one client was awarded $53 million in a settlement after a 2010 natural gas pipeline explosion in California caused severe burns. They ultimately received just $2.5 million.

Prosecutors said Girardi diverted more than $25 million from his law firm’s operating account to EJ Global, a company created to fund the entertainment career of his now-estranged wife, Erika Jayne, a star on Bravo’s Real Housewives of Beverly Hills.

Jayne, 53, has denied any involvement and was dismissed from a related lawsuit in 2022. She filed for divorce in 2020 after the allegations surfaced and has maintained she did not know about her husband’s crimes.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

Hiring a lawyer? Here’s how to protect yourself

Girardi wasn’t just any lawyer — he was one of the most prominent personal injury attorneys in the country. That’s what made his fraud so devastating. But there are still ways to protect yourself when hiring a lawyer, no matter how impressive their resume is.

Red flags to watch out for:

• Lack of transparency: If a lawyer avoids sharing documentation or gives vague answers about your case, that’s a warning sign.
• Payment delays: Once cleared, settlement checks should be disbursed promptly. Unexplained delays are cause for concern.
• No written agreements: Always get a written retainer agreement that outlines fees, responsibilities and expectations.
• Pressure tactics: Be cautious if a lawyer pushes you to make decisions without giving you time to understand your rights.

Even savvy clients can still be taken advantage of. If you suspect fraud or misconduct, here’s what to do:

• Request documentation: Ask for a detailed breakdown of your settlement and where the money went.
• Check the bar association: Make sure the lawyer is licensed and review any disciplinary actions through your state’s bar association.
• File a complaint: Every state has a grievance or disciplinary board. In Ohio, for example, grievances are filed with the Ohio Bar.
• Hire a second lawyer: If something doesn’t feel right, get a second opinion.

Even a seasoned, high-profile attorney can betray their clients’ trust. Staying informed, asking questions and knowing your rights can help you avoid becoming the next victim.

What to read next

• You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here’s how
• Rich, young Americans are ditching the stormy stock market — here are the alternative assets they’re banking on instead

Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

A 19th century home in Sanford, Florida that survived hurricanes and a nearly two-mile move to its current spot may soon be bulldozed to make room for a highway.

Don’t miss

• Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don’t have to deal with tenants or fix freezers. Here’s how
• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 6 of the easiest ways you can catch up (and fast)
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now

Officials from the Central Florida Expressway Authority (CFX) are planning to build a two-lane road designed to relieve traffic congestion in Seminole County by connecting State Road 417 and the Orlando Sanford International Airport.

But according to news reports from the Tampa Bay Times and WESH 2, the preferred route, known as Alignment 2A, runs straight through the 10-acre property where Becky Burke’s home sits — an 1800s-era two-story house that has already been relocated once to escape demolition. A map revealed the road would be “going through my dining room,” she said.

If the plans move forward, the state is expected to use eminent domain to seize the land.

But Burke, whose husband Ken passed away in August, may not have the strength to relocate the home all over again. She told WESH 2 it will depend on how much money she’s given and how much land the government takes.

"I love it out here," she said. "Knowing it was Ken’s family, his history, his grandfather passed away here, he passed away here, so there’s so much emotion that goes into that piece of what I’m facing."

Officials report the need to reduce traffic

The couple moved the house in 2003 after the original land it sat on was sold to developers.

Relocating the structure was no small feat — it took from July to November to complete, just in time for Thanksgiving.

"That was quite a feat,” Burke told WESH 2. “I think I wired every outlet in the house.”

That effort preserved more than a structure; it preserved a family’s history.

"If the legacy ends with me, that’s fine, I’m OK with that," she said. "But the emotional loss, it’s like, one more thing. One more thing to break my heart, one more thing to make me just feel a little overwhelmed and sad."

The new roughly two-mile road has a tentative budget of $200 million. The CFX says it will reduce the number of cars per day on Lake Mary Boulevard by nearly half by 2050.

"For those of you who travel in and out of our amazing airport, you know the traffic backs up over there," said Rebekah Arthur, president of the Seminole County Chamber, according to WESH 2. "So this connector is going to be a very needed extension to our airport and will help people come in and out, especially as our sports tourism grows."

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

What rights do homeowners have when it comes to eminent domain?

According to the Tampa Bay Times, the CFX estimates it will spend $18.3 million for the acquisition of properties along the right-of-way.

Eminent domain is a legal process that allows governments to take private property for public use, such as highways or bridges, provided the owner is given “just compensation.”

But just because it’s legal doesn’t mean it always feels fair.

Owners like Burke should expect to be paid market value for their homes, but that may not always cover the full cost of relocation or compensate for the emotional stress.

In Florida, property owners have the right to challenge eminent domain in court. They can:

• Dispute the taking itself: This is an option if property owners believe the land isn’t truly needed for a public project.
• Challenge the compensation amount: If the offered payment doesn’t reflect the property’s fair market value, owners can argue for a higher fee.
• Negotiate relocation: Owners can argue that relocation benefits offered are not sufficient.
• Partial takings: When only part of a property is taken, owners can argue that the impact on the remaining property is not being fairly compensated.

If you live or own property in the area, there are steps you can take to have your voice heard.

The CFX scheduled two public meetings in July for residents to ask questions and voice concerns about the project.

Attending such meetings is one of the best ways for impacted homeowners to stay informed, get involved, and advocate for better outcomes — whether that means alternate routes or help preserving historic properties.

The Tampa Bay Times says the CFX’s governing board — made up of elected officials from the Central Florida region — will review the project at its October public meeting.

As for Burke, the future remains uncertain.

“I’m always the one that’s trying to encourage other people and love on them and care for them,” she said. “And now, I’m in this place where I don’t know where God is leading me.”

What to read next

• You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here’s how
• Rich, young Americans are ditching the stormy stock market — here are the alternative assets they’re banking on instead

Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

A freshman Arizona Corporation Commissioner refused to back down in a public meeting with one of the state’s largest utilities — and got them to come clean about their mistake.

Commissioner René Lopez, who holds a degree in nuclear engineering and is a former Chandler City Council member, raised concerns about one of Arizona Public Service’s (APS) calculations during a discussion earlier this year about a potential rate adjustment for customers. The exchange featured Lopez repeatedly questioning the company’s math, while APS insisted multiple times that their numbers were correct.

Don’t miss

• Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don’t have to deal with tenants or fix freezers. Here’s how
• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 6 of the easiest ways you can catch up (and fast)
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now

“I realize I’m new here, but I’m really concerned this is not accurate,” he said in footage shown by 12 News in a story published May 23.

Here’s how Lopez’s persistence won the day, and why consumer advocates want to see more of this type of behavior from public servants.

Notice of Errata

Lopez wasn’t just concerned about the immediate mistake — he warned the APS that errors like this could undermine trust in the utility’s entire rate-setting process.

“I think the concern is that if there’s a mathematical error, it brings into [question] how other items may not be calculated correctly,” he said during the Feb. 5 public meeting.

Eight times Lopez asked APS to explain its math, per 12 News, which means he had eight chances to back down following responses by the utility giant.

After the ninth round of pushback from Lopez, APS agreed to review the figures. Two days later, APS filed a “Notice of Errata,” an official document rectifying their mistake, admitting the commissioner was correct.

In the end, the commission chose a different rate adjustment that didn’t involve the bad formula, however, Lopez received praise for his determination, especially as a newcomer, on a matter that could have had an effect on the bills of homeowners across Arizona.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

More of that, please

Diane Brown of Arizona PIRG, a public interest advocacy group, applauded Lopez for holding APS to account.

“When I saw Commissioner Lopez question APS on their numbers and continue to pursue, I thought: we have a regulator who is really there to drill down into what the utility is saying, what they’re meaning and what the accuracy of their comments are,” she told 12 News.

Even if there’s a potential billing discrepancy of a fraction of a percent — as was the case in this instance, the broadcaster says — the implications could be huge, especially if a company has millions of consumers, such as APS.

While many consumers may not be in a position to challenge a utility company’s math during a regulatory hearing, Lopez’s actions remind us that asking questions matters. Even one voice, when persistent and informed, can help hold powerful entities accountable and protect consumers from costly mistakes.

But there are still ways the public can be heard. Whether it’s checking your own bill for errors, attending public hearings or supporting organizations that represent consumers, you can take action to ensure your voice is heard.

What to read next

• You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here’s how
• Rich, young Americans are ditching the stormy stock market — here are the alternative assets they’re banking on instead

Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

The visit itself seems routine — the doctor arrives on time, mentions the word “screening” repeatedly, and discusses your medical history. However, a week later, you receive a shocking bill.

Don’t miss

• Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don’t have to deal with tenants or fix freezers. Here’s how
• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 6 of the easiest ways you can catch up (and fast)
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now

Now, you’re left wondering whether you were misled, and how something billed as free could turn into such an expensive lesson.

Here’s what may have happened and what you can do about it.

How free screenings can turn into hefty bills

In the U.S. healthcare system, language matters, and so do billing codes. Just because your appointment was called a “free” exam, that didn’t guarantee it would remain one once you began speaking with a doctor or received other services like diagnostic tests.

If you discussed your symptoms, the visit no longer qualified as a preventive screening. Instead, it was coded as a diagnostic consultation, which typically isn’t covered without a referral, especially for specialists like urologists. That coding decision alone shifts the financial responsibility from the insurer to the patient.

While frustrating, this kind of situation isn’t uncommon. Preventive visits, such as screenings or wellness checks, are generally covered in full under insurance plans. However, when symptoms are discussed, new concerns are raised, or services are received, the appointment may be reclassified and billed differently.

“A preventive visit generally comes at no cost to patients. But a visit for an ongoing medical issue is usually classified as diagnostic, leaving the patient subject to copays and deductibles — or even charged for two separate appointments,” says a KFF Health News report. “Patients may not notice a difference in the exam room. Much of that nuance is determined by the medical provider and captured on the bill.”

For example, if you go in for a yearly check-up but then mention back pain, the appointment is no longer a wellness check, but a regular office visit. Patients rarely know this in advance, and clinics aren’t always transparent about how these distinctions are made. It can be even more complicated if you’re visiting a specialist who requires a referral from your primary care doctor. In the KFF Health News report, a patient who went in for an annual physical exam ending up owing $1,400 for lab services and pathology, plus $206.91 for “professional services.”

Whether this is considered false advertising depends on the specifics. If the clinic promoted a free screening but failed to disclose what might trigger additional charges or neglected to clarify what was included, it may be in murky legal territory.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

How to protect yourself from unexpected medical bills after a screening

Situations like this can be avoided, but you must remain vigilant. Here are a few ways you can minimize the risk of getting stuck with surprise bills:

• Get it in writing: Always save promotional emails and appointment confirmations, especially if the word “free” is used. These may help you challenge a charge later.

• Clarify what’s included: Before the visit, call the clinic and ask what the free screening covers. What might result in additional charges?

• Stay on message: If you’re going in for a free screening, don’t raise unrelated issues during the appointment unless you’re ready for a possible charge. If you have other symptoms, ask if mentioning them will result in additional charges before doing so.

• Dispute the bill: Request a detailed explanation of benefits (EOB) from your insurance provider, ask the clinic for a billing breakdown, and appeal the charge if necessary.

• File a complaint: If you feel misled, report the incident to your state’s medical board or consumer protection office.

• Check for retroactive options: Some insurers will accept a late referral from a primary care provider, which can help the bill get covered under your insurance plan.

Medical billing in the U.S. is notoriously complex, but being proactive, asking the right questions and holding onto documentation can help you protect your wallet.

What to read next

• You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here’s how
• Rich, young Americans are ditching the stormy stock market — here are the alternative assets they’re banking on instead

Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

A former In-N-Out employee is suing the burger chain for more than $3 million, saying he was discriminated against and fired because to his hairstyle.

According to NBC Los Angeles, 21-year-old Elijah Obeng filed the lawsuit in early June in Compton Superior Court. He accuses In-N-Out of wrongful termination, racial discrimination, harassment, intentional infliction of emotional distress and failure to prevent workplace discrimination.

Don’t miss

• Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don’t have to deal with tenants or fix freezers. Here’s how
• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 6 of the easiest ways you can catch up (and fast)
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now

Obeng, a Black man, says he started working at the Compton In-N-Out after graduating from high school. But as his hair grew longer, he says management repeatedly reprimanded him for violating the company’s dress code, which requires hair to be tucked neatly under a hat.

Humiliating and biased orders

The lawsuit says Obeng began braiding his hair to comply with the policy, but that wasn’t enough. He says supervisors then told him to shave his sideburns, which he considers part of his cultural identity. After refusing, Obeng says he was written up for issues and passed over for promotions.

On May 25, 2024, a supervisor allegedly sent him home in front of coworkers and told him to remove his sideburns. Obeng called the incident humiliating. When he chose not to comply and instead said he’d return for his next scheduled shift, he was fired days later.

The company cited previous write-ups as the reason for termination, but Obeng believes he was let go for pushing back against what he describes as racially biased policies.

So, what are his legal rights? Discrimination laws can vary by state, but California has several laws designed to protect workers in cases like this.

California law prohibits workplace discrimination based on race, including hairstyles connected to cultural identity. Obeng’s lawsuit may rely on the CROWN Act, a 2019 state law that bans discrimination based on hair texture and protective hairstyles like braids, locs, twists and afros.

Under the California Fair Employment and Housing Act (FEHA), employees are also protected from:

• Racial discrimination
• Retaliation for asserting those rights
• Harassment based on protected characteristics

In California, policies that disproportionately impact certain racial or cultural groups — like grooming rules that punish Black hairstyles — may be illegal if they’re not essential for safety or job performance.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

What to do if you’re being discriminated against

In California, employers aren’t just expected to avoid outright discrimination; they’re also required to make reasonable accommodations for cultural expression, including hair. That matters, especially given the long history of Black employees being told their natural hair or protective styles are “unprofessional.”

If you’re facing a situation like Obeng’s, here are steps you can take to protect your rights:

1. Document everything

Keep a written record of interactions with supervisors, discriminatory comments, policy inconsistencies and disciplinary actions. Forward any relevant emails from your work account to your personal email in case you lose access.

2. Know your rights

Review your employee handbook and familiarize yourself with protections under your state’s civil rights laws. In California, visit the Civil Rights department online. If you’re in another state, look into local enforcement laws.

3. Report internally

File a formal, written complaint with HR or your supervisor. Keep a copy for your records and include all relevant documentation, and stick to the facts.

4. File with the state

If your complaint isn’t addressed, you can file a report with the Civil Rights Department in California. In other states, contact your labor or human rights agency.

5. Consider legal action

If your concerns still aren’t resolved, you may want to speak with an employment lawyer. They can help you explore options, including a potential lawsuit for discrimination or wrongful termination.

Obeng’s case is still unfolding, and In-N-Out has not publicly responded to the lawsuit. But for workers across the country, it’s a reminder that cultural expression, including hairstyles, is protected by law in many states. And when those rights are violated, employees have options.

What to read next

• You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here’s how
• Rich, young Americans are ditching the stormy stock market — here are the alternative assets they’re banking on instead

Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

A Montana woman, identified only as Rita, lost more than $90,000 in an online romance scam. She shared her story in a video created by the FBI on June 15th, World Elder Abuse Day, hoping to help others recognize the signs before it’s too late.

In 2024, Rita was going through a divorce and feeling isolated when she was approached online. The messages from the scammer filled an emotional void during a difficult time in her life—until the financial toll and betrayal became impossible to ignore.

“It hit me at the right time,” she said. “I was very vulnerable. For me, these texts were like a drug… like I needed them to live with. Now I read these texts, and it makes me sick that I fell for this.”

Don’t miss

• Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don’t have to deal with tenants or fix freezers. Here’s how
• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 6 of the easiest ways you can catch up (and fast)
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now

What happened to Rita — and how romance scams work

In 2024, Rita met a person online who claimed to be a celebrity. They couldn’t meet in person, he said. At the time, that didn’t seem strange. The celebrity was also going through a divorce, and they bonded emotionally over their shared struggles. The connection grew deeper, and then the celebrity began requesting money through Bitcoin.

By the time Rita realized what was happening, she was out nearly $90,000. Some of the romance scam red flags become clear only in hindsight. Here’s how they typically work:

• Scammers create fake profiles and form fast emotional bonds, often with older adults who may be feeling lonely or going through major life changes.
• The scammers avoid meeting in person.
• They isolate their victims from friends and family.
• They begin requesting money, sometimes claiming they’re stuck overseas, need help with medical bills, or want to visit but can’t afford travel.

When Rita finally started to question the relationship, she saw the truth: “I wasn’t thinking with my brain,” she said. “I was thinking with my heart.”

Hundreds of millions of dollars are lost to romance scams nationwide

Rita’s not alone. According to the Federal Trade Commission (FTC), Americans lost a total of $1.14 billion to romance scams in 2023, with more than 64,000 victims reporting losses. The FBI’s annual Internet Crime Complaint Center (IC3) fraud report said there were over 17,000 reports of romance scams in 2024, with a total loss of $672 million. Victims over the age of 60 are most vulnerable, with a reported $389 million in losses to romance scams alone.

The impact is also clear in Montana. FBI spokesperson Sandra Barker said the state saw 44 romance scam victims last year with millions in losses.

“In 2024, our internet crime report shows that in Montana, there were 44 victims reporting losses of over $2.2 million just on romance scams alone, so that will indicate just how prevalent the scam is,” she said.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

How to stay safe from romance scams

Romance scams often follow a predictable pattern: fast emotional bonding, refusal to meet in person, and repeated requests for money. To stay safe, the FTC recommends keeping these tips in mind:

• Be skeptical of fast-moving relationships. Scammers often profess love or deep affection within days or weeks. They may share a sad or dramatic story to gain your trust or sympathy.
• Insist on face-to-face contact. Anyone who refuses to meet in person may not be who they say they are. Remember that even videos can be faked or altered to seem real.
• Do a reverse image search of any photos. If the images show up attached to someone else’s profiles or on a stock photo site, you’re likely dealing with a scammer.
• Never send money to someone you haven’t met. This includes wire transfers, gift cards, or cryptocurrency, which are common payment methods used in scams. Common excuses include needing help getting home, investments, or wanting to meet.
• Limit what you share online. Scammers comb through social media profiles for personal details they can use to manipulate you. They might see your travel photos and say, "I love to travel," as a way to bond or, as in Rita’s case, claim to be going through a similar emotional struggle.
• Talk to trusted friends or family. If a new relationship feels “too good to be true,” check in with someone who can offer perspective. Pay attention if they express concern. *

If you think you’ve been scammed, cut off contact immediately and report it. File a complaint with the FBI’s Internet Crime Complaint Center (IC3.gov) and report the fraud to the Federal Trade Commission at ReportFraud.FTC.gov. You should also contact your bank or credit card company to see if any payments can be reversed.

“So many people are so embarrassed to come forward and admit to it,” Rita says, but she implores victims to come forward anyway because “You give these people an opportunity to make even more money. So you need to report it, don’t get taken advantage of.”

While recovering stolen funds can be difficult, especially if sent via crypto or wire, reporting the scam quickly may improve your chances. It can also help prevent others from being targeted by the same perpetrator.

Rita says she shared her story in the hope that others will learn from her experience. “If I can save just one person from this folly, if I can make one person realize that this is not real, I’ve done my job.”

What to read next

• You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here’s how
• Rich, young Americans are ditching the stormy stock market — here are the alternative assets they’re banking on instead

Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

In the surveillance footage, a car holding a wad of cash fresh from the bank pulls into a convenience store on Houston’s Telephone Road.

Within seconds, two vehicles pull up. Thieves jump out, smash windows on both sides of the victim’s car, grab the cash and drive away.

Don’t miss

• Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don’t have to deal with tenants or fix freezers. Here’s how
• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 6 of the easiest ways you can catch up (and fast)
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now

“It’s not just bold, it’s also brazen,” Andy Kahan with Crime Stoppers Houston told KHOU 11 News. “It’s also the fact that you don’t have any fear factor in our criminal justice system.”

The day before that incident, police say, a man broke into a vehicle at a local car wash and took cash that had also just been withdrawn from a bank. When the car’s owner confronted him, the thief reportedly flashed a weapon before fleeing.

The back-to-back cases in late April are part of a tactic known as "jugging," where thieves watch people leave financial institutions or other businesses, then follow and rob them, often at their next stop.

Jugging is not a new crime, but until recently, there was no specific charge for it. Texas is changing that this fall.

Jailed for jugging

Signed June 20, House Bill 1902 makes jugging a standalone offense with harsher penalties. It applies not only to culprits who follow victims from banks and ATMs but also from stores, businesses or other locations where valuables may be picked up.

“No longer will you be charged — like in these particular cases — with just theft or robbery,” Kahan explained. “You’re going to be charged with the offense of jugging. And that is going to pack a more powerful impact, hopefully, on the courts.”

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

As of Sept. 1, jugging will carry a penalty of up to 180 days in jail and up to $10,000 in fines for a state-jail felony or up to life in prison if enhanced to a first-degree felony.

Texas House Representative Christian Manuel told KFDM that jugging is a growing trend and is already common in cities like Houston, San Antonio, Dallas and Austin.

How to protect yourself

Experts warn that jugging happens fast and often without warning. Whether you’re making a bank withdrawal or picking up valuables, here are a few ways to avoid becoming a target:

• Hide valuables before leaving the bank: Don’t count or display cash where others can see. Put it away discreetly — ideally before walking to your car.
• Don’t leave valuables in the car: Even in a locked glove compartment, nothing is truly safe. Criminals may watch you stash the cash before smashing a window.
• Vary your routine: Avoid frequenting the same branch or store at the same time each week.
• Go straight home: Try not to run additional errands or stop at other businesses after making a big withdrawal.
• Watch your surroundings: Keep an eye out to see if any vehicles appear to be following you. If you’re fearful, don’t go home — drive to a police station or call 911 from your car.

What to read next

• You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here’s how
• Rich, young Americans are ditching the stormy stock market — here are the alternative assets they’re banking on instead

Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

When Reggie Van Lee’s great-grandmother, a Black woman, bought a plot of land near Houston in 1899, she likely couldn’t have imagined the home that would sit on it.

In 2012, Lee, a Harvard graduate, former Alvin Ailey dancer and current Houston Consulting Executive, built a massive 20,000-square-foot house on the plot of land with a great room, beauty salon, chapel and even a helicopter pad.

Don’t miss

• Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don’t have to deal with tenants or fix freezers. Here’s how
• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 6 of the easiest ways you can catch up (and fast)
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now

But the home isn’t just for him — today. He lives there with his three sisters and even some of their spouses. Lee thinks togetherness is important, especially during a time when so much is uncertain.

"I built this house not just for my immediate family, but for my extended family, including friends," Lee explained to Fox 26 News reporter Damali Keith.

Can several generations and members of the family live together in harmony?

How do they all get along?

Lee said the house is large enough to have space for everyone to spread out and get together when they want. The master suite, for example, is on a separate side of the house.

"The house is large enough, so when you really want to be by yourself, you can. When you want to be with others, you can as well,” Lee said. “Having dinners together, family dinners together. It’s just amazing."

The home is large, but Lee added that they all use the space. Last year, they hosted a 300-person wedding for his now 77-year-old sister, who was getting remarried. They also hosted a party to commemorate the 125th anniversary of his great-grandmother purchasing the land.

But what happens to the family home when Lee is gone? He hopes it will stay in the family and has made provisions in his will to keep it as a family home or donate the home and the property.

"I want very much for this land and this house to stay in the family. In my will, it says if no family member lives in the house, the house actually goes to the Texas Historical Society. It’s not going to be a situation where Uncle Reggie dies, they sell everything, and split the money,” Lee said. “Especially in these times where there are so many forces of evil against us as people and against people coming together in love as opposed to being divisive, I think families should be the ones to send that message of togetherness."

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

Should more Americans live with extended families?

According to 2022 U.S. Census, approximately 4.8 million households in the country are multigenerational, meaning they include at least three generations living together. While data on extended family households — those with aunts, uncles or cousins — is harder to track in the U.S. But it’s certainly commonplace in other parts of the world.

A Pew Research study reported that extended family households are the most common type of households worldwide, with 38% of people living with extended family. Nearly half of people in the Asia-Pacific area live with extended family, while only 11% of North Americans do.

But should multigenerational and extended family living be more common in the U.S.? Beyond emotional benefits, this arrangement offers practical and financial advantages.

Rising home prices make it a smart financial move

Housing costs in the US. are skyrocketing. According to Zillow, the average home price is now over $355,000 — an increase of 2.7% from last year. Living with extended family can help households share expenses and reduce financial stress. Additionally, purchasing a home rather than Purchasing a home, rather than renting, can also help families build generational wealth.

More child and elder care options

Childcare is one of the biggest expenses for American families. According to ChildCare Aware, a nonprofit supporting the U.S. childcare system, the average annual cost of childcare in 2023 was $11,582. For families with multiple children, this expense can exceed the annual earnings of one parent.

Elder care is similarly costly. A home health aide averages $6,292 per month, making in-home care financially challenging for many families. Living with extended family provides an alternative to expensive childcare or elder care while fostering a stronger family support system.

Improved financial security

Pooling resources in a multigenerational household can provide a financial cushion. With multiple incomes contributing to household expenses, families may be able to pay off debt, save more or invest more in long-term financial goals. This setup also offers stability during financial hardships, such as job losses or unexpected home repairs.

As more families face financial uncertainty and work-life balance challenges, multigenerational living may grow in popularity. For people like Lee, it’s not just a practical choice — it’s about preserving family bonds and creating a lasting legacy.

"At the end of the day, all we really have is family,” Lee said. “Too many people — Black people in particular — have given up family land."

What to read next

• You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here’s how
• Rich, young Americans are ditching the stormy stock market — here are the alternative assets they’re banking on instead

Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.