Your best friend, Eriel (age 26), has approached you for some financial advice on goal setting. Eriel started her first job three years ago and recently received a raise. Now that she is making some additional money, she is more concerned than ever about making good financial decisions. Considering her stage in life and using SMART goal planning, what suggestions would you have for Eriel with respect to what she should do with the extra money that she is now earning? For example, what would you suggest if Eriel tells you that she would like to go on a trip?