Answer:
Having medical insurance.
Step-by-step explanation:
Process of elimination...
borrowing a car from your brother you may break and have to replace- not responsible
Having medical insurance so if something were to happen you have some insurance to rely on- responsible
Spending money before you have earned it is not responsible because you may not get to money to pay it back on time- not responsible
Making impulse decisions is usually not a wise choice with you money - not responsible