109. Monica is a self-employed consultant earning $100,000 a year. During a review of her financial situation, her asset

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109. Monica is a self-employed consultant earning $100,000 a year. During a review of her financial situation, her assets are outlined as follows:
• House worth $300,000
• Registered Retirement Savings Plan (RRSP) worth $100,000
• Tax-Free Savings Account (TSA) worth $30,000
• Non-participating life insurance with a $5,000 CSV
Monica also has a mortgage with a balance owing of $200,000 as well as a credit card with a $20,000 limit and a balance of $2,000. She has disability insurance (DI) coverage with a monthly benefit equal to 60% of her income and a 90-day waiting period. Her actual monthly living expenses are $5,000.
If Monica is unable to work due to disability, what should she use first to cover her expenses during the waiting period in the most cost-effective way?