Luke and Beth Were Recently Married Soon After Graduating from College

Multiple Choice

Luke and Beth were recently married soon after graduating from college. Although they incurred a significant amount of debt to finance their education, both recently got good-paying jobs and appear to have promising careers. Given their situation, down the road Luke and Beth:

A) are almost certain to be able to retire comfortably when the time comes, given the high level of income they are likely to earn.
B) could be able to retire comfortably, but doing so will take planning and discipline on their part.
C) have little chance of enjoying a comfortable retirement because the college debts will take years to repay and become a major burden.
D) will probably find that Social Security will provide an adequate retirement, but that they may need to supplement this with a modest pension if they really want to enjoy the fine life in their golden years.