Karri is about to graduate and she landed a job making $32,000 a year. However, her love of shoes and her latest trip to New York City left her with $10,000 in credit card debt. She is also graduating with $15,000 in student loans, where payments will total $180 month. She will not have to make any student loan payment until 6 months after graduation. What advice would you give Karri so she can build an appropriate emergency fund? Create a realistic budget for Karri.