Suppose you have a friend who finished their education recently but still has large outstanding student loans to pay off. They also bought a house last year and have a fixed- rate 30-year mortgage. They have some credit card debt, too, and a car loan. Needless to say, they don't have a lot of savings are not counting on anything from their parents. But they have a job that's pretty secure and good credentials if that job were to fall through. They worry about inflation in the next few years and have asked you for advice about how they can protect themselves. What should you say to them?