Emma is a young professional and has not given much thought to purchasing disability insurance. She decides that the most efficient way to minimize the risk of disability is to assume the financial risk herself by saving a specified amount each month and earmarking it to cover living expenses should she ever become disabled. Which method has Emma used to handle the risk of disability?

A$)$ Uninsured funding

B$)$ Self$-$funding

C$)$ Informal funding

D$)$ Fully insured funding