Wilma has a $37,500 certificate of deposit (CD) at the local bank. The interest on this certificate, $1,875, was credited to her account this year, but she must pay an early withdrawal penalty if she cashes in the CD before next year. Which of the following is a true statement? Multiple Choice Wilma must include the $1.875 of interest in her income this year. Wilma must include the $1,875 of interest in her income when she cashes the CD Wilma must include the $1.875 of interest in her income this year only if the bank waves the early withdrawal penalty Wilma must include the $1.875 of interest in her income next year if she does not pay the early withdrawal penalty