A psychologist finds that most of the juvenile delinquents at the facility where he counsels have parents who are smokers. If he concludes that parental smoking is the reason for these teens' behavior and poor choices, then he has

Emma lives on a tight budget. she saves money and also makes intelligent choices when spending it. which statements describe emma's financial skills? select three options.emma is more prepared to meet her basic needs.emma is better prepared to avoid financial setbacks.emma is better able to avoid accumulating assets.emma is more prepared to face emergencies.emma is better able to avoid financial decision-making.