Caleb is a junior at JA Enterprise High School and plays rugby on the school team. He has a part-time job at a local fast-food restaurant and works 20 hours a week for $7.60 an hour. His gross monthly income is $608.00, and his take-home pay is $501.64. In his spare time, Caleb walks a dog belonging to an elderly neighbor. He earns an additional $40 a month for that chore.