I feel incredibly anxious about the possibility of not finding a job by next fall. When someone passes away, how long does it take for the banks to give their beneficiaries the funds in their bank accounts? I’m ready to start investing the money that I’ve put in my ROTH. A member asks Miata to share her “goals” in investing for her children. A question about categorizing utilities and frequently visited stores. A member wants to get more focused on her investment choices.