Please explain with detail why my answer is not correct. Thank you!

Mark's annual after tax income earnings are $50,000. Hi5 $40,000, 3-year CD is maturing in the near future and he is planning to spend the interest on a 6 week holiday after that. His investments can earn a total of 10% before he starE his trip. If Mark's "present consumption\" is the time he spends working and his \"future consumption" is his trip, his optimal choice from the table below is to: Present Total Utility from Future Total Utility from Consumption PresentConsumption Consumption Future Consumption 0 0 0 0 $1 0,000 600 $1 1,000 3,0 00 $20,000 1 ,100 $22,000 4,0 00 $3 0,000 1 ,500 $33,000 4,8 00 $40,000 1 ,800 $44,000 5,400 $50,000 2,000 $55,000 5,8 00 $60,000 2,100 $66,000 6,0 00 $?T,000 6,1 00 a. spend $50,000 now and consume nothing in the future x b. spend nothing now and consume $702000 in the future. x/c. spend $10,000 now and consume $44,000 in the future. d. spend $20,000 now and consume $33,000 in the future