Randy Guerrero wants to buy a home in Atherton, California, where the price of an average house is over $1 million. He is saving his money by not going on vacations, keeping his old car, and minimizing all other expenses. As a result, he has $300,000 in the bank, and he will soon have a healthy 40% down payment for his new home.

a. self management

b. relationship management

c. social awareness

d. self awareness