Emily Dao, 27, just received a promotion at work that increased her annual salary to $37,000. She is eligible to participate in her employers' 401(k) plan to which the employer matches dollar-for-dollar workers contributions up to 5% of salary. However, Emily wants to buy a new $25,000 car in three years and she wants to have enough money to make a $7,000 down payment on the car and finance the balance. Fortunately, she expects a sizable bonus this year that she hopes will cover that down payment in three years. Also in her plans is a wedding. Emily and her boyfriend, Paul, have set: