Have I ever thought about... a. I've just accepted a job that pays $40,000 per year. I prefer to use public transportation for a year or two to save money for a new car, rather than purchase a new car now. b. It doesn't matter where I open a checking account or credit card, because there aren't significant operational differences between my college's credit union, the savings association downtown, or the mutual fund I saw advertised online. c. I need to purchase a plane ticket for an emergency trip. Should I borrow money from a friend or family member, or use my new credit card? Who best knows my credit history? Who provides the most flexibility when repaying the loan? d. I'd like to spend more than my paycheck alone would allow, so I'll have to participate in the financial markets.