improvident

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Im (not) provident (providing). Not providing for the future; thriftless.

Once upon a time there was an old man who was such a penny pincher that he did not even want to invest in a PROVIDENT fund for the future of his family thus im-provident= the miser= thriftless.

improvident..since they are providing everything no need to save(thrift) it...thriftless

We deposit provident fund for future use. im (Not)provident (for future use)means no provident means not providing for future use.

Im(not) Prudent(Careful and sensible; marked by sound judgment) thus, not prudent is careless,not given careful consideration.