109. Monica is a self-employed consultant earning $100,000 a year. During a review of her financial situation, her assets are outlined as follows:

House worth $300,000

Registered Retirement Savings Plan (RRSP) worth $100,000

Tax-Free Savings Account (TSA) worth $30,000

Non-participating life insurance with a $5,000 CSV

Monica also has a mortgage with a balance owing of $200,000 as well as a credit card with a $20,000 limit and a balance of $2,000. She has disability insurance (DI) coverage with a monthly benefit equal to 60% of her income and a 90-day waiting period. Her actual monthly living expenses are $5,000.

If Monica is unable to work due to disability, what should she use first to cover her expenses during the waiting period in the most cost-effective way?

RRSP

Life insurance policy dividends

TFSA

Credit card