I think it is a Carpenter absolutely
Answer:(social security)-Social security is the protection that a society provides to individuals and households to ensure access to health care and to guarantee income security, particularly in cases of old age, unemployment, sickness, invalidity, work injury, maternity or loss of a breadwinner. (personal savings)-he money that a person, rather than a business or organization, keeps in an account in a bank or similar financial organization: They introduced tax breaks which made many personal savings tax-free. (individual retirement account)-An individual retirement account (IRA) is a tax-advantaged investing tool that individuals use to earmark funds for retirement savings. There are several types of IRAs. Traditional IRAs. Roth IRAs. SEP IRAs (401k investments)-With a 401(k), you control how your money is invested. Most plans offer a spread of mutual funds composed of stocks, bonds, and money market investments. The most popular option tends to be target-date funds, a combination of stocks and bonds that gradually become more conservative as you reach retirement.
Explanation:
I think the answer is b.
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