Paige is a supervisor at UPS. She just got a big promotion and went from working part-time for $20,000 a year to full time for $55,000 a year. Her new manager tells her, "You should live like you're still making the part-time income for two years and save everything else. You'll thank me when you're my age." How will the manager's advice be helpful if Paige takes it? a)Paige can put the money in her 401k and not worry about retirement. b)Paige does not need to smooth her consumption over time and will be better off saving the extra income.c) Paige's needs will vary over time, so it's a good idea to save more now when she is used to getting by on less. d)Paige will be able to build a stock of wealth that she can bequest to her children.