Rory is a 23-year-old single person with no children who recently graduated from college with a degree in education and started working as a second-grade teacher. She commutes to work 20 miles round trip per day in a used, six-year-old car she bought last year and lives in an apartment with two other roommates. She has the option of buying health insurance through work if she wants to. Having graduated with $34,000 in student loan debt and $7,500 in credit card debt, she is trying to keep to a strict budget until she can pay off some of that debt.