When recalculating James' budget without credit card and car loan debts, what financial goals does he add to his budget?
a) Save for a newer used car, invest 15% of gross income for retirement, and save for a down payment on a house.
b) Pay off all debts, increase emergency fund, and start a vacation fund.
c) Save for a luxury car, invest 5% of gross income for retirement, and start a business.
d) Invest in the stock market, pay off student loans, and contribute to a charity fund.