Which of the following decisions taken currently will help Grace be better prepared financially in the future?

a$.)$ Grace decides to withdraw money from her savings account to buy a gift for her friend.

b$.)$ Grace decides to deposit $$500$ in her dedicated savings account for use in an emergency.

c$.)$ Grace decides to invest in an unconventional and risky financial investment that promises a high return.

d$.)$ Grace decides to save $$450$ every month for an international trip that will cost her $$4,500.$