Julia does well financially because she earns a good salary as an engineer, is somewhat frugal, and is making the maximum contribution to her employer-sponsored retirement plan. After reading about ways to decrease her income tax liability, she has some thoughts. Buying a home is an option, but Julia is worried about the changing prices of housing. As an accomplished sculptural artist, she is thinking about creating a sideline business to sell some of her work and convert some everyday expenses into business expenses. She is considering taking a tax-deductible job-hunting trip and then stretching the trip into a vacation. Also on her possibilities list is to start a master’s degree program in engineering to enhance her skills. Finally, Julia figures she could contribute $200 a month to a Roth IRA account. Offer your opinions about her thinking.