3. Francisco is a 23-year-old lifeguard. He owns a $12,000 Jeep Wrangler with $7,500 left on the auto loan balance. He just got the iPhone 13 Pro Max and plans to pay off the $1,099 cost with
monthly payments. He has a degree in computer science and $35,900 in student loan debt. He
has a total of $83.26 in his checking and savings accounts combined. He shares an apartment
with his former college roommate, and he opened an investment account when he was 18 that
currently has a balance of $10,704.
What is Francisco's net worth?