Robert currently has $115,000 of term life insurance through his employer. How much life insurance should Robert have? Does he have enough? If not, determine what type of life insurance and how much additional insurance he should buy. Assuming that term life insurance costs $1.00 (monthly) per $10,000 in coverage and whole life costs $3.00 per $10,000 in coverage, how much would Robert spend per month for additional life insurance? Show your work.