You and your spouse are in good health and have reasonably secure jobs. Each of you makes about $$40,000$ annually. You own a home with a $$75,000$ mortgage, and you owe $$16,200$ on car loans, $$9,400$ in personal debt, and $$3,950$ in credit card loans. You have no other debt. You have no plans to increase the size of your family in the near future. You estimate that funeral expenses will be $$8,500.$ Estimate your total insurance needs using the DINK method.