What is meant by the term financial planning? a. long-term goals are reached over an extended period of time, so your current income does not affect them. b. it is creating a road map of everything you do with your money. c. it is hoping you will have enough money to pay all your bills on time. d. if your income exceeds your expenses, you will be able to save money for the future. select the best answer from the choices provided a b c d