John: Hey, Se-Jin, do you want to come shopping with me? My dad just gave me my monthly allowance and I want to blow it all.

Se-Jin: That sounds just like you, John! What do you want to buy?

John: I don’t know…Some music CDs, maybe.

Se-Jin: If you spend all that money on things you don’t even know if you want, you won’t have any money left when you need it.

John: But if I just save my money, that doesn’t s sound like much fun either. Besides, I need some new CDs.

Se-Jin: You also need a financial advisor!