Esteban and Sarah are a married couple in their early twenties. They are expecting their first child. They have a single income net annual salary of $45,000 and budget that shows the following expenses:

Rent - $900

Utilities, phones etc - $450

Groceries - $400

Eating out and entertainment - $200

New car loan - $550

Used car loan - $400

Credit card minimum payments - $200

Provide a spreadsheet allocating how they should spend insurance dollars based on their limited family budget: prioritize the type of insurance needed and the "at very least" amount of coverage they should conside