As the owner of your account, managing your money is __________ responsibility.

The correct choice emphasizes that as the owner of your account, you have the primary duty to manage your own money. This entails making decisions regarding budgeting, spending, saving, and investing in a way that aligns with your financial goals and needs. Taking responsibility for your finances is crucial for building a secure financial future, making informed choices, and ensuring that you understand where your money is going.

The other options imply that someone else should be responsible for your financial management. For instance, suggesting that it is the bank's or a parent's responsibility undermines the importance of personal accountability in handling one's finances. Personal finance is fundamentally about understanding and taking charge of your financial situation, which is why the emphasis on ownership and responsibility is paramount in financial education.