a poster with a picture of a bag with a dollar sign on it

[Script for a 4-Minute YouTube Video: “How to Spend Money Smartly!”]INTRO (0:00 - 0:20)[On-screen text: “Stop Wasting Money! Learn to Spend Smart!”]Host speaks with excitement:“Do you always run out of money too fast? Want to know how to spend your money smartly so you don’t regret it later? In this video, I’ll show you three simple steps to use your money wisely. Let’s get started!”STEP 1: SPEND ON WHAT YOU NEED FIRST (0:20 - 1:30)Host speaks with a serious yet friendly tone:“Always spend on what you need first. Needs are things you can’t live without, like food, clothes, or school books.For example, let’s say you have $10. You know you’ll need $5 for lunch this week. Make sure you keep that $5 aside.Now, you can think about spending the rest. But if you spend all $10 on snacks or toys, you’ll feel bad later when you need lunch money.So remember: Needs come first!”STEP 2: SAVE SOME MONEY (1:30 - 2:30)Host smiles and speaks with excitement:“Next, save some money for the future. It doesn’t have to be a lot--ju