Matthew Kennedy of Urbana, Ohio, is single and has been working as an admissions counselor at a university for five years. Matthew owns a home valued at $250,000 on which he owes $135,000. He has a two-year-old vehicle valued at $32,000 on which he owes $26,000. He has about $20,000 remaining on his student loans. His retirment account has growun to $32,000, and he owns some stock valued at $9,000. Matthew has no life insurance and is considering buying some. How much should he buy?