Mariah is single and has a monthly disposable income of $3,200. her monthly cash outflow is approximately $2,800. mariah includes contributions to a retirement plan and money for investments as part of her cash outflow. she has car insurance and a life insurance policy. mariah has saved $15,000, but wishes to use $10,000 for a down payment on a house. she has also purchased furnishings for a house, which she has in the spare bedroom of her apartment. mariah hires a financial planner to examine her money management, and he determines that her plan needs work. what part of mariah’s financial plan would he encourage her to work on and why?