Maury, age 30, has come to you for advice regarding college planning for his two-year-old son, Brandon. He has presented you with the following information: Current annual salary: $96,700 Traditional IRA: $12,563 (no contribution/fully invested in a U.S. government bond fund) Section 401(k): $23,087 (6% contribution/2% match) Monthly rent payment: $1,235 Credit card debt: $2,205 (14.9% fixed) Car: lease, fully paid by employer Checking account balance: $1,937 Long-term disability insurance: 60% of salary to age 65, 90-day elimination period (group) Life insurance: 2 salary (group), $500,000, 20-year term (individual) After completing a budget with Maury, you have determined that he has $250 per month in surplus cash flow. He tells you excitedly that the full amount may be used to fund a college plan for Brandon. Through a risk profile questionnaire, you determine he has a moderate to aggressive risk tolerance. Based on the information provided, what should Maury do first?