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.