Alice Cooper contributes ten percent of her monthly earnings to her 401(k) plan at work. The plan allows her to invest in several different types of mutual funds and her employer matches up to 5% of her salary. Which suggestion for obtaining the money she needs for investing is she following?
A. Paying herself 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