Coleton and Kristen are married. They each have jobs that allow them to pay their bills and save money each month. They would like to have children in the next few years. Based on the circumstances described above, which type of debt would probably be the MOST reasonable for Coleton and Kristen to incur?

Your

using a credit card to pay for an extended vacation

getting a loan from a bank to buy a new sports car

using a credit card to buy the latest personal electronics

getting a loan from a mortgage company to purchase a home