Financial Situation Overview:

Nick and Krista, a dynamic and diverse couple, are entering the world of financial planning for the first time. Nick, a Senior Project Engineer, and Krista, a successful travel blogger, have a unique set of circumstances and financial goals. Their financial situation is characterized by:

Income Fluctuations and Career Aspirations:

Krista's income, primarily from her travel blogging, experienced a significant drop in $2020$ due to the pandemic. She is contemplating her career's future, considering finishing her degree, doubling down on influencing, or pursuing a more stable PR$/$Marketing role. Nick is interested in early retirement influenced by the FIRE movement but is unsure of Krista's perspective.

Stock Options and Investment Choices:

Nick has always been a fan of stock trading and wants to keep investing couples money in Tech giants. Due to recent shifts in market, he is actively seeking advice on managing these stock options. Additionally, Nick is interested in exploring potential investments, including bitcoin, and assessing couple's current investment portfolio.

Spending Habits and Debt Management:

The couple enjoys a comfortable lifestyle but has credit card debt, a leased Range Rover, and plans to purchase a Tesla Model X$.$ They are open to budgeting but want to maintain certain non$-$negotiable expenses, such as organic grocery delivery. Managing credit card debt and planning for future expenses are key considerations.

Identify three major challenges Nick and Krista are dealing with and how can they overcome those challenges. Utilize all the learnings from Week $1-$ Week $9$ for this group case study.