Lane, one way of doing it is to record one track, then use earphones (to keep sounds from your speakers recording onto subsequent tracks) to record tracks to go with the first one, each into its own WAV file. Then use a wave editor to combine the tracks. You'll probably have to do some scaling down on the wave files before you combine them, or you'll get clipping in the combined file. Also, you'll probably need to play with the insertion points for importing the successive tracks, but most editors have at least one level of undo, if not more.

This is, of course, a very rudimentary method. Actually, isn't there a track mixing program supplied with the Audigy card? If so, it'll probably work on the same basis as what I described, except that it'll show all the tracks discretely, as opposed to a wave editor which usually just shows a representation of the wave form.