Which word describes someone who is wasteful in terms of spending or resources?

The term that describes someone who is wasteful in terms of spending or resources is "prodigal." This word originates from the story of the Prodigal Son in the Bible, who squandered his inheritance in lavish living. When someone is referred to as prodigal, it indicates that they are excessively extravagant or lavish, particularly in their expenditure. This aligns perfectly with the definition of being wasteful, as prodigal behavior involves a lack of restraint and a tendency to squander resources.

In contrast, the other options point toward the opposite behavior: "frugal" denotes a tendency to be economical or thrifty; "prudent" describes someone who is careful and wise in making decisions, particularly regarding resources; and "cautious" refers to someone who avoids unnecessary risks or expenses. These choices emphasize careful management rather than wastefulness, highlighting why "prodigal" is the correct answer.