Tom has been a customer of the same bank foe two years and his income can change frommonth to month after paying bills. tom places 250.00 a month in a two year cd. he notices that last year twice he withdrew 250.00 from his cd early to pay monthly bills. his bank charges a penalty for a early cd withdraw. his bank requires a minimum of 150.00 for regular savings accounts 750.00 for money markets, and 1,000 for cds what would be the best strategy