1. What individual or personal factors will affect Richard's and Denise's financial thinking and decision-making? 

2. Should Richard and Denise invest in the additional education or job training, and how can they finance that training? 

3. What are Denise's short- and long-term goals? What are Richard's? 

4. What should they do about retirement needs? 

5. What should they do about saving and investing? 

6. If Richard and Denise plan to buy an investment property worth $450,000; how can they structure their budget for the down-payment of 20%? 

7. What is Richard's present and projected income from all sources? What is Denise's? 

8. What budget categories would you create for Denise's and Richard's expenses and expenditures over time? 

9. How could Denise and Richard adjust their budgets to meet their short- and long-term goals? 

10. On the basis of your analysis and investigations, what five-year financial plan would you develop for Denise and Richard? 

11. How will larger economic factors affect the decisions Denise and Richard make and the outcomes of those decisions?