Select the correct answer. Spencer is working with his financial advisor to create some personal financial goals for the next year. One of his goals is to reduce the amount of debt he has. Which statement could make his goal specific and timely? A. He should focus on just his student loan debt and give himself a deadline of five years. B. He should ask a friend to be his accountability partner and remind him of his goal every two weeks. C. He should review his current finances to determine how much he can allocate to his goal. D. He should pay only the minimum payment on his credit card statement each month