Which of the following is a smart saving strategy? (i) Use payday loans to fund consumption. (ii) Set a budget, and stick to it. (iii) Use credit cards to fund consumption. (iv) Play the lottery. O (ii) only O (iv) only (i), (ii), (iii), and (iv) (i) and (iii) 4

Use credit cards to fund consumption. Play the lottery. (ii) only (iv) only (i), (ii), (iii), and (iv) (i) and (iii)