The Marshalls Have Been Thinking About the Financial Principle ‑Pay

The Marshalls have been thinking about the financial principle ‑Pay Yourself First. Being very conservative, they might consider having their bank

A) sell them a risky mutual fund.
B) send them a monthly reminder to make a deposit in their savings.
C) do a direct deposit of John's paycheck into their checking account.
D) do a direct deposit of some of John's paycheck into a savings fund.
E) both C and D above