Angel has a stable job and earns a yearly salary of $117000. He is 32 years old. He has a low-to-moderate tolerance for risk. It's very important to Angel to be able to save an adequate amount for retirement. His monthly expenses total $2500.

• How much that person should have saved in their emergency fund.
• Based on your character's risk appetite, age, and how badly they want to achieve their financial goals, what kinds of investments they should make.