Age: 25  Filing status: Single  Education: Bachelor's degree obtained 3 years ago  Job: Senior Analyst for New York Financial Corporation  Salary: $75,000 per year (before taxes and deductions); Jennifer's take home pay (after contributing to the company's 401K retirement plan and after taxes are withheld) is $57,000 annually, or $2,375 per pay period (the employer pays its employees on a bimonthly basis).  Investment philosophy: Moderate Financial portfolio at 12/31/2023:  Current assets: o $5,000 in a checking account o $3,000 in a savings account at Brooklyn Savings Bank o $1,500 worth of household furnishings o $10,000 in personal property o $4,000 value of car (Kia Forte)  Current debts: o $16,000 on a student loan (APR of 6%