Sandy plans to save $$163\mathrm{.}50$ a month for the next $2$ years, so she can buy a $$20,000$ car with a $20\%$ down payment. Although she has a higher risk tolerance, she is only earning $2\%$ APY in her savings account. For this plan to work, what does she need to accomplish?Select answer from the options belowKeep her emergency savings in a higher yielding account.Increase risk on her investment because she has a higher risk tolerance.Decrease her time horizon because she has a higher risk tolerance.Keep her emergency savings in a safe and secure account.