Why should a person create a budget?
to determine whether generic goods can be found through comparison shopping

to limit the risk associated with investing in stocks and to favor bonds

to take advantage of product warranties and thereby limit one’s expenses

to help one cut down on impulse spending and save money

to help one cut down on impulse spending and save money

Explanation:

in 1897, pershing became a tactical officer at west point, and that's where he was given the nickname "black jack." pershing's first name is "john," for which "jack" is a nickname, and he was a white man who commanded black troops. hence "black jack".