Earnestos was an accountant. He had a good job with a major accounting firm with a bright future. He also had a huge spending habit. He had $15,000 of credit card debt and as adding to it each month. His wife didn't know about it and believed that he had placed money each month into a pension plan. She had offered to go to work, but he said it wasn't necessary. Perform a SWOT analysis and make specific recommendations for Earnestos and his wife?