Kip and Kay are about to get married and are looking for an apartment. Kay very much wants a nice downtown location in the center of the social life. Kip would prefer a cheaper location so they are able to still set aside a savings each month into a money market account. Kay believes that getting settled requires so many start-up costs that a monthly savings can wait for a few years until both of their salaries have increased. How would you suggest they resolve their differences?  How would you lay out the numbers to present your recommendation?