What is the surest sign that your financial decision is irresponsible?

The investment is in a startup company.

The investment involves the stock market.

You cannot afford to lose the money you spend or invest.

There is a possibility of gain, but also a risk of loss

The surest sign that your financial decision is irresponsible is when you cannot afford to lose the money you spend or invest. This indicates that you are taking a significant risk with your financial stability and are not adequately prepared for the potential loss.

which answer choice?

The answer choice is: "You cannot afford to lose the money you spend or invest."