If you want a fast answer its A if you want to read why it cant be the others then I would read the whole thing. If he is trying to have a long-term budget, then he definitely wants to reduce his monthly spending so that he still has so money in his account when he is older. We do know that B, and C are not the answer because if he has a car loan, then he should have already lost his car and if he is 40, then he doesn't have a student loan to pay off. He could try and build a Debt Free future but that hard when you cant spend much money then you cant choose that one. Your final answer would stabilize his income if he did that it would just be a short-term thing, not a long-term, so your answer is A reduce monthly spending good luck
