You shouldn't waste money on unnecessary things
Josh had an extra hundred dollars left over after doing bills, and he trying to figure out what to do with it.
Josh wants to make a financial decision.
Josh decides to put the money in an emergency savings.
Josh decides to buy himself some baseball cards, that he didn't really need, but got a good deal.
Josh's car breaks down and now he feels secure knowing he can cover the cost.
Josh's car breaks down, and he has no money left to pay for the repair.