cosider the following situation: a friend recently graduated from college, they scrutinized their budget and found they have an extra 200/month. they are debating whether to apply the money toward paying off their credit card debit or starting contributions to their employers 401k retirment saving account. they currently pay 100/month toward 3000 in credit card debit at 18.99% interest. They have 4 years to pay off the debit at this rate. option1 applying the extra 200/month will pay off the bill in one year but delay the start of retirment. option 2 they begin to save 200/month in their 401k, and their employer will match 50% of their saving.(emplyee puts in 200/month, the employer will put in 100/month) given this sutuation, what would you advise your friend to do?