which of these statements about saving is INCORRECT? O Without a separate savings account to pay yourself first, it's more likely that you'll spend all of your income each month O It is extremely difficult to open a savings account, as you typically need at least $10,000 for your initial deposit O People often believe they are saving when they buy products at a listed discount, even if they didn't need the product in the first place O Billions of dollars are spent on marketing to persuade consumers to spend money instead of saving it ​