3. Discuss five of these eight

Notes and warnings

What this is made of

• 3(a). How it feels to receive money
• 3(b). How much you carry changes how you spend
• 3(c). New purchases, three months later
• 3(d). Shopping hungry
• 3(e). Whether the advertisement was true
• 3(f). What happens to money in a savings account
• 3(g). Charitable giving
• 3(h). What you could do better

Where this step comes from

1. Personal Management Merit Badge Requirements (Merit Badge Hub, last modified 2025-09-19), Requirement 3 · Five of the eight, which is what the question above the plan resolves.