▲閱讀下文，回答第 36 − 40 題
At such a young age, financial management might be the last thing on your mind. However,
it is something you have to cope with, or it could become a   36   later in your life. To begin
with, you need to truly understand the necessity of your expenses and create a budget
accordingly because living    37    your means, meaning not to spend more money than you
earn, is essential to financial success. Furthermore, learning how to save money is another key.
   38    , accumulating an emergency fund over time would help you cover unexpected costs.
Life does not always stick to your plan, so it is better to start saving for a   39    day. Managing
life-long expenses is challenging,   40    it is a task that must be done for most people. As a
proverb says, "wealth ignores those who ignore it." It is never too soon to take responsibility for
planning your finances ahead.
【題組】36.
(A) bad egg
(B) big cheese
(C) hot potato
(D) hat rack