Jason wants to a hot tub. The one he wants costs $23,000. He has $18,000 saved up so far. He will buy the hot tub in 3 years and can earn a rate of 3.25% compounded monthly. He will make with quarterly deposits of $125 at the beginning of the period. 

a) Will he achieve his goal? 

b) If not, what options does he have - provide five options and calculate the outcome for each.