Which of these statements about saving is INCORRECT? O People often believe they are saving when they buy products at a listed discount, even if they didn't need the product in the first place It is extremely difficult to open a savings account, as you typically need at least $10,000 for your initial deposit Without a separate savings account to pay yourself first, it's more likely tpat you'll spend all of your income each month Billions of dollars are spent on marketing to persuade consumers to spend money instead of saving it