The National Endowment for Financial Education wants to help today’s teens avoid becoming stuck with debt. So the group has developed a set of money management tips. The tips will help young people develop good habits. The key to money management is understanding the difference between needs and wants. Needs are necessities such as food, clothing, and shelter. Many teens may consider movies and designer jeans to be needs. However, these nonessentials are actually wants.
The program focuses on improving teens’ ________.
A confidence
B communication
C security
D responsibility