Before Jane can create a financial management plan, she must first have
A.) a savings account.
B.) a checking account.
C.) an accountant.
D.) an income.

An income

Explanation: The reason being is because you can't have a savings account or checking account to just create a finacial managment. But an income to start.

Option D

Explanation:

What is culture, culture is a way of life, believes and values a certain group of people has over another.

So a micro culture is a sub group of culture that has different believes and values from a major culture group. Option D explains what a micro culture is , has they have distinct understanding of values within a major cultural group.