You and your friend Maria are 21 years old Maria just started her first job in construction She knows saving is important but she isn t sure where to get started Right now Maria s main goals are to build an emergency fund since she doesn t have any savings and start saving for retirement Her take home pay averages 2500 per month although it varies based on her hours and opportunities for overtime Each month she pays approximately 270 towards her student loans 900 on rent 220 on healthcare 130 on transit and 500 on food She comes to you to ask for advice on her savings plan Write your suggestions to Maria Make sure you address the following questions 1 Ideally what percentage of her income should Maria aim to save overall What savings goals are included in that percentage 2 What barriers might Maria face when trying to save more 3 What strategies would you recommend Maria use to meet her savings goals 4 What account type would be best for Maria to save for her long term goals like retirement Why