According to the Life Cycle Hypothesis, which of the following statements is MOST consistent with the saving behavior of a young adult (25 years old) just entering the workforce? a) She will likely have a high savings rate due to concerns about retirement. b) She will likely have a low savings rate due to limited income and potential student loans. c) She will likely maintain a consistent savings rate throughout her career. d) She will prioritize saving for a down payment on a house over retirement planning