Question

Which of these is the biggest challenge to saving money? Employer incentives Advertising campaigns Instant gratification Social and cultural influences

Answer 1

instant gratifications

Step-by-step explanation:

social and cultural is wrong because I tried that one already

Answer 2

Answers:

Social and cultural influences

Step-by-step explanation:

The biggest challenge to saving money is Social and cultural influences because social and cultural influences public to participate or disallow decisions made by corporations that affect the budget.

Social and cultural influences can not me measured accurately and it may change according to the change in social and cultural behavior, so money required for social and cultural influences can not be predicted accurately and biggest challenge to saving money.

Hence, the correct option is "Social and cultural influences"