Life Situation:	Financial Data:
Recently Married Pam, 26 Josh, 28 Renting an Apartment	Monthly income $5,840 Living expenses $3,900 Assets $13,500 Liabilities $4,800 Emergency fund $1,000
Pam Jenkins recently married Josh Brock. Pam continues to work as a sales representative for a clothing manufacturer, and her monthly income has averaged $2,840 a month over the past year. Josh is employed as a computer programmer and earns $3,000 a month. Their combined monthly income allows them to live comfortably. Yet they have been unable to save any money for emergencies. According to Josh,