What words come to mind, both positive and negative, when you think about budgeting? How can understanding the economy help you to make better financial decisions? One of your first expenditures is likely to be car insurance. Why is it important to have car insurance? Explain the difference between gross pay and net pay. Poverty is a deep and disturbing human condition that lingers on the edge of society, but it does not have to be your reality. What can you do to protect yourself and your family against poverty