Mindy is single and has been working as a financial aid officer for a local community college. Mindy owns a home valued at 190,000 on which she owes $170,000. She has a 3 year old vehicle valued at $10,500 on which she owes $6000. Her retirement account has grown to $6000 and she owns some stock valued at $3000. Mindy has no life insurance and is considering buying some. How much should she buy?