Spend decision policy practice money decide

qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi qi