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 monthly savings amount, and add the savings to the budget.