Dave and Sharon Sampson are 30 years old and have two children, who are five and six years old. Since marrying seven years ago, the Sampsons have relied on Dave’s sal- ary, which is currently $48,000 per year. They have not been able to save any money, as Dave’s income is just enough to cover their mortgage loan payment and their other expenses Dave and Sharon feel they need to take control of their finances. Now that both chil- dren are in school, they have decided that Sharon will look into getting a part-time job. She was just hired for a part-time position at a local department store at a salary of $12,000 per year. Dave and Sharon are excited by the prospect of having additional cash inflows-they now feel they have the leeway to start working toward their financial goals The Sampsons own a home valued at about $100,000, and their mortgage is $90,000. They have a credit card balance of $2,000. They own two cars and do not have any car loans, but Sharon’s car is old and will need to be replaced soon. Sharon would really like to purchase a new car within the next year; she hopes to save $500 each month until she has accumulated savings of $5,000 to use for a down payment.