Which of the following represents financial responsible actions? I. Spending money on that new Playstation 5. The rent can wait.

II. Paying off the credit cards each month

III. Need to fix my nails. I'll get milk later.

IV. I'll save my $10 for that new Lego set coming out next month.

I and IV only
I and IV only

I, II, and III only
I, II, and III only

II and IV only
II and IV only

IV only