What do you suggest for Scott and Mary based on their goals and the budget...

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Finance

What do you suggest for Scott and Mary based on their goals and the budget that they have put together?
The $40,000 that the Smiths have saved for an emergency is
three months of expenses. They have not, however, taken advantage
of the employer 401(k) plans that are available to them. If an employer does not match contributions, it is
advantageous to contribute to a
company-sponsored retirement savings plan because the contributions to the plan are invested with
earnings. If the Smiths
invest part of their surplus in their 401(k) plans, they will save the designated anfount plus another
of that amount because of the tax
savings.
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