Given the goals the two Allens have shared and looking at their current financial position, how likely are they to reach them? Why? 3. Are the each on track to pay for the college expenses they hope to cover for Max and Sammy's education? If yes, what improvements could be made? If not, what might they be able to do to improve this situation? 4. What are some unexpected expenses you can foresee Michael and Marie encountering? How are they most likely to pay for these expenses should they occur? What can they be doing now to prepare for them? 5. What role does credit play in Michael and Marie's reaching their goals? What recommendations do you have for the Allens to help guide them toward their goals with more certainly that they are likely to reach them?