The ability to meet basic needs such as food, shelter, and clothing.

The ability to save money for the future.

The ability to invest in education and skills.

All of the above.

It helps people make informed financial decisions.

It helps people avoid debt.

It helps people save for retirement.

All of the above.

Reduced stress and anxiety.

Improved health and well-being.

Increased productivity.

All of the above.

Lack of access to education and skills.

Discrimination.

Lack of affordable housing.

All of the above.

Invest in education and skills training.

Provide affordable housing.

Create jobs.

All of the above.

Take a financial literacy class.

Read books and articles about personal finance.

Talk to a financial advisor.

All of the above.

A credit card allows you to borrow money, while a debit card allows you to spend money that you already have.

A credit card has a higher interest rate than a debit card.

A credit card can be used to build your credit score, while a debit card cannot.

All of the above.

A number that lenders use to assess your creditworthiness.

A measure of how much debt you have.

A record of your payment history.

All of the above.

Pay your bills on time.

Keep your credit utilization low.

Don't open too many new credit accounts in a short period of time.

All of the above.

A plan for how you will spend your money.

A record of how you have spent your money.

A way to track your income and expenses.

All of the above.

It helps you track your spending.

It helps you make informed financial decisions.

It helps you save money.

All of the above.

The 50/30/20 rule.

The zero-based budget.

The envelope system.

All of the above.

A budgeting method where you allocate 50% of your income to needs, 30% to wants, and 20% to savings.

A budgeting method where you allocate 50% of your income to rent or mortgage, 30% to food, and 20% to other expenses.

A budgeting method where you allocate 50% of your income to fixed expenses, 30% to variable expenses, and 20% to savings.

None of the above.

A budgeting method where you allocate all of your income to specific categories.

A budgeting method where you start with a zero balance and add income and expenses as they occur.

A budgeting method where you track your spending and adjust your budget as needed.

None of the above.

A budgeting method where you put cash in envelopes for different categories of expenses.

A budgeting method where you use a debit card for all of your expenses.

A budgeting method where you use a credit card for all of your expenses.

None of the above.