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 are close and Shelby frequently seeks out their financial advice. They warn her that she may need to make some life changes in order to build back up her savings. They also advise her to establish an emergency fund so that she can avoid having to dip into her savings in case something happens in the future.