Answer:
debt makes it hard to manage expenses and not having savings can lead to debt
The phase of therapy that roger currently in is :
Management of long term Goals
In this phase, roger tried to redetermine the purpose of his life and hope to eventually change his daily behavior that helped him to achieve that purpose.
<span>The Nullification Crisis was caused by South Carolina's signing of the 1832 Ordinance of Nullification, which ruled the Tariffs of 1828 and 1832 unconstitutional. It confirmed the notion that a state's power should overrule federal laws that were not part of the United States Constitution.</span>
