Aruwired: In yoar anweer you should coendor the intirenere: Part 1 4 Sulatment of Alvet). 1 eriakn awswereet Part 1 45 atareet of had isch. Samars of eramertiof Heberca and Jeel C ripes er had knowere? thac than is not a pood oukcone. He2se andigusent is forwhed. They estimate their credit card balance is around $65,000 at approximately 16.75%. As for personal insurance, neither have income protection or trauma cover. Rebecca has $34,000 in life and TPD in her super and Joel has $64,000 life and TPD. Rebecca cannot get higher cover in her fund as the cover is standard. Joel can purchase up to three (3) times his salary. They are concerned about their budget if personal insurance is needed.