$18.$ Using the income method, determine the amount of insurance an individual would need, if their net income is $$167,000$ and they want to provide for their family members for at least $30$ years. Their assets total $$180,000,$ their liabilities total $$250,000,$ their two children's anticipated college education needs total $$350,000,$ and their invalid mother's future nursing home expenses total $$390,000.$