13. Assume that you are 28 years old and that your take home pay totals $2,200 a month, you have monthly living expenses that total $1,200, your monthly car payment is $300, and your credit card debts total $4,900. Develop a three-part plan to (1) reduce your monthly expenses, (2) establish an emergency fund, and (3) save $4,000 to establish an investment program.