retrograde Mercury rules 9th and 12th house is in 2nd house in Scorpio

Having retrograde Mercury in the 2nd house in Scorpio sign in a person's birth chart can indicate some challenges related to communication, speech, and finances.

Retrograde Mercury suggests that the person may struggle to express themselves clearly, and may have a tendency to overthink or second-guess their words. This can sometimes lead to misunderstandings with others, and difficulties in sharing thoughts and ideas in a way that others can easily understand.

Moreover, Scorpio is a fixed and intense sign, which can lead to a tendency towards being secretive, possessive, and sometimes manipulative. Therefore, the native should be careful not to fall into these traps and try to be as honest and transparent as possible.

In regards to finances, this placement highlights the importance of managing money and resources effectively. As the 2nd house is associated with wealth, the native may face some difficulties earning or saving money due to impulsive spending habits or lack of financial knowledge.

Overall, a jyotish astrologer would advise the person to work on developing clear communication skills, avoiding being secretive and manipulative, and cultivating financial planning and management skills to find success in life.