Java blackjack betting and dealing dont work the way i intended them to

So ive been working on a blackjack program and for some reason i cant get the "another card y/n" to work right, and the betting system doesnt seem to work either. also, im not too sure whats going on with the boolean method- idk where to call it in main. any tips would be greatly appreciated!

ive already tried swapping out whiles/ifs and it all just gets jumbled. ive also tried making the method void, but i need it to return userWins TRUE or FALSE.. because its a game.. ya know?

import java.io.*;
import java.util.Scanner;
import java.util.Random;

public class ProgramBlackJack
{

       public static void main(String[] args)throws IOException
       {
          Scanner in;
          in = new Scanner(System.in);


          int money;          // Amount of money the user has.
          int bet;            // Amount user bets on a game.
          boolean userWins = true;   // Did the user win the game?

          System.out.println("Welcome to Lunas BlackJack table. How's it goin?");
          System.out.println();

          money = 100;  // User starts with $100.

          while (true)
          {
              System.out.println("You have " + money + " dollars.");
              do
              {
                 System.out.println("How much do you wanna bet? Or if you're done, enter 0 to walk away from the tables.)");
                 System.out.print("$");

                 bet = in.nextInt();
                    if (bet < 0 || bet > money)
                    {
                        System.out.println("Your bet must be between 0 and " + money + '.');
                    }
              } 
          while (bet < 0 || bet > money);
          {
              if (bet == 0)
              {
                  System.out.println("The dealer waves goodbye.");
                  break; //walk away
              }

              userWins = playBlackjack(userWins);
              if (userWins == true)
              {
                        money = money + bet;
              }
              if (userWins == false)
              {
                  money = money - bet;
                  System.out.println();
              }
              if (money == 0)
              {
                  System.out.println("Aw shoot, looks like you've are out of money!");
                  break;
              }
          }
          }

          System.out.println();
          System.out.println("You walk away with $" + money + '.');

       } //end method


       public static boolean playBlackjack(boolean userWins)
       {
           String anotherCard;
           String playAgain = "y";
           String ctn;

           int nextCard;
           int card1;
           int card2;
           int dCard1;
           int dCard2;
           int cardTotal = 0;
           int dTotal = 0;

       Scanner in = new Scanner(System.in);
       Random random = new Random();

       // Begin dealing the players first two cards

       if (playAgain.equals("y"))
       {
           //dealers first two random cards
           dCard1 = random.nextInt(11) + 1;
           dCard2 = random.nextInt(11) +1;

           //players first two random cards and card total
           card1 = random.nextInt(11) + 1;
           card2 = random.nextInt(11) + 1;
           cardTotal = card1 + card2;

           //Dealers two card total and display only one dealer card
           dTotal = dCard1 + dCard2;
           System.out.println("The dealer shows: " + dCard1);

           //Display players first two cards & card total
           System.out.println("First cards: " + card1 + ", " +card2);
           System.out.println("Total: "+ cardTotal);

           //Asks if want to deal another card
           System.out.print("Another card (y/n)?: ");
           anotherCard = in.nextLine();

           //If yes
           while (anotherCard == "y")
           {//while1
               nextCard = random.nextInt(10) + 1;
               cardTotal += nextCard;
               System.out.println("Card: " + nextCard);
               System.out.println("Total: " + cardTotal);

               if (cardTotal > 21)
               {//if1
                   System.out.println("You busted, the dealer Wins");
                   System.out.println("Do you want to play again? (y/n): ");
                   playAgain = in.nextLine();
               }//if1

               if (cardTotal < 21)
               {//if2
                   System.out.print("Another Card (y/n)?: ");
                   anotherCard = in.nextLine();
               }//if2

               if (anotherCard == "n")
               {//if3

                   System.out.print("Press c to continue dealers cards");
                   ctn = in.nextLine();

                   while (ctn == "c" && dTotal < 17)
                   {//while2
                       nextCard = random.nextInt(10) + 1;
                       dTotal += nextCard;
                   }//while2

                   if (dTotal > 21)
                   {//if4
                       System.out.println("Dealer Busts, You Win!");                      
                       System.out.println("Play Again? (y/n): ");
                       playAgain = in.nextLine();
                   }//if4

                   if (playAgain.equalsIgnoreCase("y")) //ignorecase = ignore capitals/lowercase
                   {//if5
                       playAgain = "y";
                   }//if5

                   if (playAgain.equalsIgnoreCase("n")) //no!
                   {//else1
                       System.exit(0);
                   }//else1
               }//if3

           }//while1
       }//END BIG WHILE
       return userWins = true;
       }//end playBlackJack()
} //end main

The user also cant seem to lose to the dealer and i expect some losses to be happening. I also expect the (y/n) in "another card?" to work but the "n" does nothing.