in a few sentences, explain what it means to be financially responsible.

Being financially responsible means managing money in a way that supports both short-term needs and long-term goals. It involves living within one's means by spending less than one earns, creating and sticking to a budget, paying bills on time, saving regularly, and preparing for emergencies with an emergency fund. It also includes making intentional spending decisions, avoiding unnecessary debt, and planning for the future to build financial security and stability.