Let x be the amount Jillian had saved. She spend a third of it on lunch. So, the remaining amount would e

then she lent 5 to her brother. So, this means that we should subtract 5 from this amount. This leads to

we are told that this amount is 16. So we get the equation

we start by adding 5 on both sides, so we have

now, we multiply both sides by 3, so we get

now we divide both sides by 2, so we get

so Jillian started with 31.5