Which of the following best describes intuitive money rules?

Intuitive money rules are typically derived from family heritage or taboos, which means they evolve from cultural traditions, personal experiences, and informal family teachings. These rules often reflect a family's history and values regarding money management, such as how to save, spend, or share resources. They may not necessarily be written down or formally acknowledged, but they guide behaviors related to finances based on generational wisdom or societal beliefs ingrained within the family unit.

In contrast, the other options highlight different aspects of agreements or financial practices that do not encapsulate the essence of intuitive money rules. For instance, formally documented agreements imply a structured approach that contrasts with the informal and instinctive nature of intuitive rules. Enforcement by external institutions refers to legal or organizational standards that govern financial practices rather than interpersonal family dynamics. Lastly, transparency to all family members suggests an awareness and clarity about financial practices that might not exist with intuitive rules, as these can be deeply embedded beliefs that some family members may not fully articulate or share with others.