In the survey, 30% of the students surveyed think they are smart with their money.

According to the survey, 42 students worry about not having enough allowance.

The writer suggests that managing money is easy for students.

What was the second biggest money worry for the students who answered "No" to being smart with money?

• Not having enough allowance
• Difficulty saving money
• Spending money on unnecessary things
• Not earning enough money
• Not understanding financial concepts