In this rough labor market, job seekers are more vulnerable to scams. We’ve all seen those texts, right? The ones offering jobs with suspiciously high pay for suspiciously little work? On today’s show, Marketplace’s Kristin Schwab joins Kimberly to share what happened when she replied to one of these scam messages. Plus, why AI and the shift to remote work has fueled the rise in job scams.

Here’s everything we talked about today:

• "Job scam texts have become more frequent and more believable" from Marketplace
• "Who experiences scams? A story for all ages" from the Federal Trade Commission
• "Job Scam Texts Are Duping Gen Z, Millennials Amid Unemployment Fears" from Business Insider

Join us tomorrow for “Economics on Tap.” The YouTube livestream starts at 3:30 p.m. Pacific time, 6:30 p.m. Eastern.

The effects of government shutdowns are felt particularly deeply in tribal communities across the United States. That’s because the federal government has a constitutional obligation to fund services in Indian Country. But when the government closes, tribal nations are left to pick up the tab. Marketplace’s Savannah Peters joins Kimberly to explain how tribal communities get caught up in the federal government’s dysfunctional budget process and why tribal leaders argue this needs to change.

Here’s everything we talked about today:

• "How the government shutdown is playing out in Indian Country" from Marketplace
• "Tribal governments fend off the worst of the impacts of the shutdown" from High Country News
• "The shutdown isn’t big for Utah’s tribes yet. If it drags on, that’s the problem" from KUER
• "In Indian Country, federal budget dysfunction takes a toll" from Marketplace

We love hearing from you. Leave us a voicemail at 508-U-B-SMART or email makemesmart@marketplace.org.

On today’s show, Kimberly is joined by the host of NPR’s “Life Kit” podcast, Marielle Segarra, who’s recently been working on a four-week newsletter series all about credit card debt — and how to avoid it all snowballing. Plus, we’ll play a round of Headline or Head-lyin’!

Here’s everything we talked about today:

• “In credit card debt? There’s a path out” from Life Kit
• “Medical bills can cause a financial crisis. Here’s how to negotiate them” from Life Kit
• “A big misconception about debt — and how to tackle it” from Life Kit