Your client, age $29$ and unmarried, came into your office today. She provided you with the following information: Her income is $$76,000.$ She contributes $6\%$ of her salary to a $401($k$),$ receiving a $3\%$ salary match from her employer. She also saves $$250$ per month into a Roth IRA. She has fixed expenses of $$28,500$ and discretionary expenses totaling $$1,500$ per month.

Her federal income tax rate is $15\%,$ State is $5\%,$ and has $7\mathrm{.}65\%$ taken out for Social Security and Medicare $($FICA$).$

She has cash assets totaling $$12,500,$ non$-$retirement investment assets of $$22,500($with a goal to use the money for a house downpayment in the next year or two$),$ retirement$-$related investment assets of $$27,000,$ and personal property worth an estimated $$39,000($including her car, currently estimated to be worth $$21,000).$ She rents and does not own a home just yet. Her only debt is an auto loan, in which the original principal balance was $$20,000,$ financed at $3\mathrm{.}00\%$ for $4$ years

$(1)$ How much total principal does she have left to pay off on her auto loan as of today? $(1\mathrm{.}5$ pts$)$

$2)$ How much of her auto loan is considered short$-$term debt that will be paid off in the next $12$ months? $(1\mathrm{.}5$ pts$)$

$3)$ What is her current net worth? $(1\mathrm{.}5$ pts$)$