Pam is 43, her husband Josh is 45. They have three children ages: 16,14 and 11. Their monthly income is $4,900, Their monthly living expenses are $4,450. They have an emergency fund fo $5,000. Their total assets are $262,700, their total liabilities are $84,600. Calculate Pam and Josh's net worth. What would you view as the strengths and weaknesses of the Brock's financial situation at this stage in their lives? Given the infomation in Chapter 8 what advice might you offer to Pam and Josh as it involves investments, retirement planning and insurance. In offering suggestions consider their life stage and the risk/return trade-off.