You have recently started your first job as a teacher for a local school district. You have attended the new hire orientation, where you not only learned about the district’s expectations of you as a teacher, but also received the opportunity to select your benefits, such as health care, dental, disability, and more. The table below shows the particulars of your annual pay, as well as your benefit selections. Annual Pay and Benefits Annual Gross Salary $52,530 Pay Frequency Semi-Monthly Health Insurance Limited Plus $49.19 (pre-tax, rate based on 24 payments) Dental Insurance Dental PPO $15.39 (pre-tax, rate based on 24 payments) Vision Vision (Low) $1.83 (pre-tax, rate based on 24 payments) Disability 30-day wait, 50% option $12.28 (post-tax, rate based on 24 payments) Retirement Teacher Retirement System 7.7% of gross pay (pre-tax, rate based on 24 payments) Currently, you are staying in an apartment in the city. You are planning to purchase a house and would like to save at least $50,000 for a down payment. To assist you with monitoring your expenses as well as your savings goals, you decide to create a monthly budget. What is the maximum amount of time it will take for you to reach your goal if you want to save at least 30% of your take-home pay each month? How much money from your take-home pay will be left for entertainment and other pleasures?