Julia brings home $2,170 per month after taxes. Julia's rent is $479 per month, her utilities are $140 per month, and her car payment is $329 per month. Julia is currently paying $250 per month to her orthodontist for her braces. Julia's groceries cost $58 per week and she estimates her other expenses to be $198 per month. As a result, she has $542 left each month to put toward savings to reach her financial goals. Julia is considering trading in her car for a new one. Her new car payment will be $411 per month, and her insurance cost will increase by $67 per month. Julia determines that her other car-related expenses (gas, oil) will stay about the same