Tenant's insurance $20 Car payment (balance on car loan $ 10,000; 500 market value of car $11,000) Utilities (gas, electric, cable) 100 Cell phone (personal calls) 250 House phone 30 Food (consumed at home) 200 Clothes 100 Car expenses (gas, insurance, maintenance) 250 Entertainment (dining out, golf, weekend trips) 400 Brad is surprised at how much money he spends on clothes and entertainment. He uses his credit cards for these purchases (the balance is $8,000 and climbing) and has little trouble making the required monthly payments. He would, however, like to see the balance go down and eventually pay it off completely. Brad's other goal is to save $4,000 a year so that he can retire 20 years from now. He would like to start saving in five years, as he does not think the delay will affect the final amount of retirement savings he will accumulate. Brad currently has about $4,000 in his chequing account and $200 in his savings account. He has furniture valued at $1,500 and owns $1,300 of tech stocks, which he believes have the potential to make him rich. Use the worksheet titled "Brad Brooks_Personal Financial Statements" to prepare personal