Amber just graduated from college and has a job with a bank. She will earn $52,000 per year. Because she is single and lives in a state where there is no state income tax, she is likely to have a total after-tax take home pay of about $45, 850 for the year. The only bills she will have are her student loans (a total of $20,000) and her general living expenses (expects them to be about 30% of income). What are two financial goals Amber might consider? Justin just turned 40 today and has decided that he will retire at 55. He is divorced and single with one child who is already 21. Based on the planning that he has already done, he expects to have an after-tax income of $50,000 a year in retirement. His grandfather lived to be 80 years old so Justin believes he can last that long as well. What additional goals might someone in Justin's situation consider? What other information would be helpful in setting other goals for Justin