The sum \(102.50 + (-39.95)\) represents a situation where a certain amount (e.g., earnings or balance) is reduced by spending or another negative amount.
The correct real-world problem that could be solved with this sum is:
"Nevaeh earned $102.50 last weekend. He then spent $39.95 on a new game. How much money from his weekend earnings does he have left?"
This scenario involves starting with $102.50 and spending $39.95, which is accurately represented by the operation \(102.50 + (-39.95)\).