Ключевые слова: account, accounting, african, american, arrangement, background, bank, benefit, black, budget, business, care, cellphone, concept, economy, finance, financial, flexible, fsa, government, growth, health, hsa, investment, male, man, manage, medical, men, mobile, money, office, phone, piggy, piggybank, president, save, saving, savings, smart, smartphone, spending, tax, text, wooden, word, young,