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Suzie recently married, and her husband Bill just graduated with a master’s degree from BYU. Suzie and Bill are square with the Lord, have adequate insurance, are out of credit card debt (although they still have 3.25 percent student loans outstanding), and they know their goals but have not yet written their investment plan. They have agreed to save 20 percent of everything they will be earning to pay themselves. Bill starts his first job next week, and will be making $50,000 per year, and Suzie is still making $50,000 per year as well. They will be investing 20 percent or $20,000 each year.

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How should they invest that money? What should they invest in first? Second? Third? Amounts? How do they invest?