Sam Waters Just Received $10,000 from His Grandmother's Estate

Sam Waters just received $10,000 from his grandmother's estate. He has thought about buying himself a new Harley with the money but has decided instead to add the money to his mutual fund account. Which suggestion for obtaining the money he needs for investing is he following?

A) Paying himself first
B) Taking advantage of employer-sponsored retirement programs
C) Participating in an elective savings program
D) Making a special effort once or twice a year to save
E) Taking advantage of gifts, inheritance and other windfalls