Which of the following is an example of implicit money rules?

Implicit money rules refer to the unspoken, often subconscious guidelines that individuals or families follow regarding finances. These rules shape how people think about and manage money without explicitly discussing them or making formal agreements.

Choosing to have each person independently manage their income exemplifies an implicit money rule because it suggests an established understanding or norm within the family or group regarding how financial responsibilities and decision-making are divided. This might indicate a belief in personal autonomy concerning finances, leading to individual responsibility over one's earnings rather than a collective approach to managing money or expenses.

In contrast, other options represent more explicit financial strategies or decisions. Always saving money or dramatically cutting expenses requires a clear decision-making process and discussion, which may not reflect implicit understanding. Similarly, planning joint family spending suggests an overt agreement and collaborative approach to finances, rather than the unspoken agreement implied in managing income independently.