Shelby Johnson has been working at a local pet store, trying to save money so that she can open up her own business some day. She is nearing graduation; however, she recently lost some of her savings due to an unexpected illness and medical expenses. She knows that this may affect when she will be able to open her Pat Salon. She and her parents, Matt and Madison Johnson (ages 49 and 47), are close and Shelby frequently seeks out their financial. Advice. They warn her that she may need to dip into her savings in case something happens in the future.