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You are a dual-income, no-kids family. You and your spouse have the following debts (total): mortgage, $210,000; auto loan, $20,000; credit card balance, $14,000; other debts, $20,000. Further, you estimate that your funeral will cost $3,000. Your spouse expects to continue to work after your death. Using the DINK method, what should be your need for life insurance?

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