# data[].attributes.body
Since we know that investing in the US Stock market has the greatest return on investment, one of my friends uses the money that he has earned on stocks, rather than just letting his money sit in savings. He does this in search for a positive return on his investments.

# data[].attributes.body
My cousin wanted a new phone and promised his parents that he'd pay for it each month. However, he did not yet have a steady job at this time and when the COVID-19 pandemic began, he lost his job. This caused his monthly spending to be greater than what he had saved/earned. All because he wanted to have the best phone available.

# data[].attributes.body
Preparing financially for unforeseen events and disasters will better prepare you for "just in case" situations. You should "be able to support yourself financially for at least six months without an income" (Financial Responsibility 3) and ensure that necessities such as bills and food can be paid for, even under financially straining conditions.

# data[].attributes.body
It is recommended that your house does not "cost more than two to 2.5- times your yearly income" (Financial Responsibility 3). This ensures that you will be able to afford your house and pay for the mortgage while also having enough money for necessities, such as food.

# data[].attributes.body
One benefit of credit cards is that they can be used in the case of unforeseen and/or temporary emergencies. However, you must focus on "curbing your spending until that [emergency] balance is paid off" (Financial Responsibility 2).

# data[].attributes.body
In order to be a responsible credit card user, you should be "paying the balance on your account in full each month" (Financial Responsibility 2). This ensures that you do not build large amounts of debt through a credit card.