Within ACL 6, the person plans for long-term financial security for themselves and their dependents. Infrequent major expenses may be planned for and small, incidental fees may be accounted for. They are able to learn new banking procedures easily by following written or verbal instructions. They may adhere to budgets, understand secondary effects related to money management such as the cost differences between cash and credit purchase, and the consequences of overdrafts. Priorities set for expenditures may be spontaneously considered including the needs of others.
The person manages all shopping within a set of individualized priorities; anticipates and accepts the consequences of big purchases; compares products based on price, quality, and other relevant factors including budget, when objects are not present.
The person uses written materials or consults others to learn about relevant resources (e.g. bank or savings accounts, professional financial consultants, investment opportunities, retirement accounts, tax considerations, etc.).