Mario is getting married in six months and is paying off the cost of the rings, on installment, over three years. He just made the last payment on his car and has arranged for automatic deposits into a $401k$ account through his employer and a money market fund through his bank. Interest rates have dropped because of a recession, so his money won't earn as much, but at least his job is secure for now and there is hope that the economy will improve next year. He and his bride are cutting down on living expenses and hope to have a down payment on a house within five years, depending on affordable pricing in the housing market. What are Mario's short$-$term, intermediate, and long$-$term goals that should be reflected in his budget?