Which statement is false?

Question $13$ Select one:

a$.$

The envelope method of budgeting relies on the use of cash only for certain types of expenses

b$.$

The pay yourself first method differs from the envelope method because it removes funds at the beginning of the budget period, not at the end

c$.$

Individuals tend to be overly optimistic in their budget forecasts primarily because they underestimate their income and overestimate their expenses.

d$.$

The pay yourself first method of budgeting relies on an automatic transfer of funds into a savings vehicle before other expenses are paid