Joanne has a goal of buying a townhome and saved for 5 years. she expected to have the down payment of $15,000 saved by now but unfortunately she is $2,000 short. joanne is stressed and ready to give up. as her friend, what would you say to joanne to convince her that she should not give up? give her an option of how she might adjust her plan.

When a person is stressed, it is necessary to calm her down first. It is perfectly normal for Joanne to be discouraged as she has been saving for the past 5 years. The first thing one should do is to reassure her that her goal is very close and achievable. Considering that she has even opted to give up, it may be possible that having a townhome is not a direct need. Therefore, it is possible that she can put in a little more time into saving after she has calmed down. While she saves, she can place the money in a bank to earn interest to help her along the way.