The Jones family consists of a Kara and John, and two young children. Together they earn about $5000 a month, but have very little in liquid savings. They have combined about $20,000 in their 401ks. This past winter, they had an emergency furnace replacement, which cost $8000. They didn’t have the money in savings for this repair, and ended up missing mortgage payments so that they could pay for the furnace replacement. They’re coming to you in April; they are 4 payments behind on their mortgage and are in danger of foreclosure.