It is good to be financially responsible.
Brad has just gotten a new job that is paying him much more than his previous jobs.
Brad wants to figure out what to do with his paycheck.
Brad says 15% of his paycheck in case of emergency.
Brad spends all of his money buying new gadgets.
When an accident happens, Brad ends up having enough money to not worry about paying for it.
Brad doesn't have any money left in his bank account for when an accident happens.