What characterizes a "spendthrift"?

A spendthrift is defined as someone who spends money extravagantly and often carelessly, leading to a depletion of their financial resources. This term carries a negative connotation, implying a lack of financial responsibility or foresight. The key characteristic of a spendthrift is not just that they spend money, but that they do so in a way that is wasteful, which distinguishes them from individuals who spend judiciously or allocate their resources in a responsible manner.

In contrast, the other options describe behaviors associated with saving or judicious management of finances, which do not align with the definition of a spendthrift. A person who saves money wisely or invests in savings shows a tendency toward financial prudence, while someone who avoids spending completely is likely exercising restraint and self-control, qualities opposite to those of a spendthrift.