Q3.2: Which of the following people will likely end up in a better financial position in the long run? A Kylie, who earns a moderate salary, is paying her student loans at an accelerated pace and places any extra savings aside in a savings account so that she can take a one-month vacation to Europe in several years. Clarence, who keeps his expenses low and generally donates any surplus income to the needy. B Simon, who earns a six-figure annual salary, buys a new car every year, splurges on expensive items for his girlfriend, takes vacations several times a year, and usually doesn't have a surplus at the end of the year. Walken, who generates a relatively low salary as an administrative assistant, keeps his expenses low and regularly invests in a diversified portfolio of stocks and bonds. D