Ruth $(25$ years old$)$ studied music education in college and graduated a year ago. She currently works as a music teacher at a yearround private middle school. Her gross pay is $$45600$ a year, or $$3800$ a month. After taxes, health insurance, and other paycheck deductions, her net pay is $$42100$ a year. Based on recommended guidelines, how much money should Ruth be saving each month?

$$456.$

$$361.$

$$380.$

$$421.$