Aunt Emma passed away and the family is together listening to the reading of her will. Sheila learned that her younger brother who is 10 years old, her older brother (who has just graduated from college and has started his first job), and she (a freshman in college), will each receive $40,000. Sheila has expenses covered for her first year of school but not years 2-4. What recommendations do you have for Sheila and her two brothers as to what to do with their inheritance? How would you suggest Sheila use it to cover her tuition, room and board, books, and fees using your college’s estimated cost?