Scenario: Building a future

Randie is trying to increase her savings.

RandieRandie’s making money, paying bills, and buying stuff, but sometimes runs short between paychecks. She doesn’t like feeling broke. She wants to get into the habit of saving so that she has money to fall back on if she loses her job or has an emergency. She also wants to save up for big purchases, like a vacation trip. In the long-run she wants something to show for her hard work and to be able to retire some day.
Given her situation, which choice do you think is best?