Dmitry Emigrated to the United States from a Formerly Communist

Multiple Choice

Dmitry emigrated to the United States from a formerly communist country. He is looking to you for advice on how to succeed in a capitalist system. He would be well advised to

A) find a job and live frugally in order to save money to invest.
B) rely heavily on government assistance programs to maintain a relatively comfortable life style.
C) get a credit card, even if it has a very low credit limit, and use it to establish a good credit rating.
D) follow the buy now, pay later rule of personal finance.