Bert is a middle-aged man who has managed to save $80,000. He decides to use this money to pay off his debts, which amount to $100,000, immediately, rather than paying the monthly installments. Assuming that Bert has high risk tolerance because of his age and income, evaluate his decision. O Bert's decision is not productive. Instead, he should invest a portion of his savings in high-risk investment options and use the returns to pay off his debt. O Bert's decision is productive. He can pay off the remaining debt, in smaller installments, and begin saving for his retirement. O Bert's decision is productive. He can now invest his income to buy himself assets such as automobiles. O Bert's decision is not productive. He should invest the money in lottery tickets and use the rewards to pay off his debt