Having a savings account can contribute to a person’s overall financial well-being. Which one of the following is NOT a benefit of maintaining a savings account?

A savings account can provide a cushion during difficult times, give you money to invest when an opportunity arises, and help you save toward long-term goals. It does not itself give you the ability to borrow from members of the community. Therefore, the choice that is NOT a benefit is “Having a savings account gives individuals the ability to borrow money from members in the community.”

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