Assume your client is a 25-year-old high school teacher, just married to another 25-year-old high school teacher. They will have a combined household income of $120,000, with net monthly paychecks of $7000 together (after all taxes). The couple is currently renting, but looking to buy a house, and their parents will contribute $50,000 for the downpayment. Your client has a credit score of 700. Currently, your client's goal is to retire by 55, and have at least $1.5 in combined savings by the time the couple retires. The couple is also planning to have children soon.

1. Prepare the specific retirement/savings program for your client(s) that will generate at least 1.5mil in 30 years. (monthly contributions, specific investments stocks, etfs, funds). This is in addition to any company retirement program.
2. Advise your client on home purchase (price, loan type) Prepare the installment plan.
3. Advise your client on car purchases for both (what specific car, type of loan).
4. Advise your client on buying the life insurance (specific product and conditions.