magine that you have just graduated college with a BBA in Accounting. You made the Dean's List every term in college and completed an accounting internship. You have accumulated $100,000 in student debt; $10,000 in credit card debt; and $16,000 in car loan debt. You can't wait to get a high-paying accounting job so that you can eliminate your debt and have a prosperous life. Unfortunately, you are unable to land a job. The stock market has collapsed. There is runaway inflation. Nobody is hiring. Meanwhile, your credit card debt keeps increasing. Two years later, your luck changes. The economy starts to improve. You land an $80,000/year job as an internal auditor with a medium-sized company with