Improvident describes a person, or a choice, that does not plan for the future, especially with money. An improvident spender uses today's cash and leaves tomorrow empty. A government can be called improvident if it spends without a plan. It is the adjective that sits next to the noun improvidence. Formal, a little old-fashioned; more at home in a newspaper or a novel than in a text message. Though actually, people sometimes use it as a polite scolding word. It sounds less sharp than 'stupid' or 'careless', but it still means you did not take care. Close to imprudent (unwise), though improvident especially points at saving and planning, not at every kind of rash act.

沒有遠慮的、不知積蓄的