Julia Grace, age $25,$ is a nurse practitioner with the local health department. She earns $$65,000$ per year, with about $$9,000$ of her income coming from overtime pay. Her disposable income is about $$3,800$ per month. Her employer provides a qualified tax$-$sheltered retirement plan to which Julia contributes $4$ percent of her salary and for which she receives an additional $4$ percent matching contribution from her employer. $($She could contribute up to $8$ percent with an equal employer match.$)$ Julia has $$29,000$ in outstanding student loans on which she pays $$328$ per month over the next ten years, and her total credit card debt is $$3,000$ on which she has been paying $$120$ per month. Otherwise, she is debt free. Julia would like to purchase a new or late$-$model used car to replace the car she has been driving since her senior year in high school. She has $$2,000$ to use as a down payment.