Joan likes animals and hopes to open her own pet salon when she graduates from college. She is starting her junior year and works part-time. She is single, 22 years old and uses her credit card to make ends meet. Her monthly income is $1,800 and rent is $1,000. She has $2,900 in savings, $3,500 in student debt (4% interest now), and $300 in credit card debt (at 25%). Her parents cover her tuition but she pays for everything else. Her property consists of a car ($7,000), a TV ($200), a laptop computer ($800), clothing ($400), and furnishings valued at $400. Please answer the questions below: a. What should she do right now to improve her financial situation? b. What should she do over the next two years to improve her financial situation and allow her to start her business