Brian makes an appointment with you to discuss how he can use the $140,000 equity in his home to invest in shares. Brian has a car loan of $32,500 at 12.5% interest, credit cards totalling $11,000 (average interest rate of 17% per annum) and a personal loan of $4,500 at 16% per annum. Outline the issues you would discuss with Brian about both his current financial situation and his future financial goals.