A spendthrift (also profligate or prodigal) is a person who spends a lot of money and is excessive and wasteful, typically to the point where his or her spending exceeds his o.r her reso.urces..Spendthrift" comes from an outdated definition of the word "thrift" ?that refers to riches rather than frugality, hence a "spendthrift" is someone who has wasted their wealth.
Facts are indisputable truths, and opinions are someone's perspective or judgment(s).
Explanation:
Facts:
The capital of Ukraine is Kiev/Kyiv.
The third president of the United States was Thomas Jefferson.
Bali tigers are extinct.
Sir Ian McKellan played Gandalf in the Lord of the Rings and the Hobbit franchises.
King John of England signed the Magna Carta in 1215.
Opinions:
The cake tastes delicious.
She looks sad.
He is childish.
My history teacher hates me.
The movie was boring.
In an essay it should only be one I'm pretty sure, but in a narrative as many as it takes to explain a lesson learned. If you were writing a book your conclusion would be whatever comes to you and whatever you feel the characters would do/say/feel.