23. Which of the following is an example of delayed gratification as it pertains to saving? Using your credit card to afford a fancy vacation now, but not feeling happy about it until you pay off the entire debt in 5 years Not buying a muffin or breakfast sandwich every morning during the workweek so you can buy a really nice breakfast for your family once every few weeks Postponing your mall shopping trip to Sunday rather than Saturday, so there are fewer crowds Using your credit card so that you can get points on your purchases 5 po