Jayson Thornton, CFP is an award-winning Financial Advisor and host of Pocket Watching with JT a financial Q&A podcast and YouTube channel. Below he answers a recent question from a subscriber: April from AZ asks : "I have Variable Universal Life. It's for me and my 2 adult sons should I keep it or cancel and invest that $78 into something like the S&P? I still have a mortgage and a $9,000 credit card which I'm actively paying as much as I can each month at least $300 if not

Jayson Thornton, CFP is an award-winning Financial Advisor and host of Pocket Watching with JT a financial advice podcast and YouTube channel. Below he answers a recent question from a subscriber: Darnell from Illinois asks: "I borrowed $1,500 on a title loan for an emergency, and 9 months later, I've paid over $4,000 in fees and still owe the principal. I make $3,500 a month, my expenses are $3,450, and I have zero savings. I have $18,000 in student loans, and I'm terrifie

Jayson Thornton, CFP is an award-winning Financial Advisor and host of Pocket Watching with JT a financial advice podcast and YouTube channel. Below he answers a recent question from a subscriber: Seih from MI asks: "Hey JT, I make a tad bit under $5,000 monthly and my monthly expenditure is $4,200 but I'm always left with nothing at the end of the month. My wife blames me saying I send too much money to family members in Africa. How can I change my situation?" JT: You Don'

Jayson Thornton, CFP is an award-winning Financial Advisor and host of Pocket Watching with JT a financial advice podcast and YouTube channel. Below he answers a recent question from a subscriber: Charles from NJ asks: "I recently got a raise. I went from $3,000 a month to about $4,500-$5,000 a month. My current debt is $7,500 in credit card debt and I pay $2,400 in bills/rent a month. Me and my sister pay our parents' mortgage, which is why my expenses are only at $2,400. I