Last year, joban graduated from high school and received a $5,000 as a graduation gift from his uncle. he just heard a guy in his dorm who invested in a software company and made a huge profit in a few months. joban is considering investing his $5,000 in the company. joban has trouble managing his money and has a large balance on his credit card. joban has a part-time job, but spends all of the money he earns. he also does not understand how investing works.