Molly asks if she should keep her business and personal finances separate. Gary wants to know if he should put his retirement investing on hold to pay down his debt. Nicole wonders if she should stockpile savings in case she loses her second job. John asks if he needs a bigger emergency fund since his second job depends on having a reliable car. Samantha asks what happens to the money in an ESA or 529 if her kids decide not to go to college.Today’s featured Scriptures include Ephesians 2:4–5, Isaiah 58: