Write the next sentence in the following story.

How to pay yourself first
Determine your monthly income.
Before paying yourself first, you need to figure out how much to pay yourself. Determining this begins with taking a look at your current monthly income.

Choose from:
a). To determine monthly income, simply add together all your income sources for the month. Note that this a net amount or take-home income after deductions from paycheck or applicable taxes.;
b). Determine if your monthly income should include regular and weekly expenses, regular debt payments, or individual housing costs. For example, suppose your monthly income covers $31 , 000 in real estate expenses ($ 20 per month and $30/week for social security or student loans).;
c). If your monthly income is much lower than your other monthly expenses, you may be paying yourself first. If you regularly do your laundry on a regular basis, you'll need to plan out how much you'll need to pay for your clothes and other expenses.;
d). Know what percentage of your income you can use to pay yourself first and take it into account in planning your payments. Generally, a higher range of income will normally pay faster than a lower range.;. The answer should be
a).