Amy and Steve are both young physicians Like many couples in their mid 30s, they owned a home and had recently started a family. It wasn't that many years ago that their biggest concerns were college and medical school. During medical school, they started amassing a considerable amount of debt and had difficulty saving. As their incomes rose dramatically after residency, Amy and Steve soon realized that they did not have a plan in place to manage their debt, save for their children's college educations, and set money aside for their own retirement, among other things. They couldn't decide how to prioritize these different interests or where to start Between careers, family commitments, and social activities, they continually put off what seemed to be a daunting and arduous task: organizing their future Kindly analyse and advice them on their financial situation.