Ann needs to have money available to pay an annual renters insurance premium of $224, ten months from now. She has savings of $0 in her current budget, a retirement fund of $4,833, and a reserve fund of $0. Which of the following would NOT be part of her reasonable plan to establish a reserve fund for this expense?a.Reduce a non-essential expense to save money.b.Establish a savings account for Other Expenses.c.Pay the premium right away using the retirement fund investments.d.Divide it into a mo