What term is used for extravagant behavior that is wasteful, especially with money?

The term "prodigal" refers specifically to someone who is excessively wasteful or extravagant, particularly in relation to financial resources. It originates from the biblical parable of the Prodigal Son, which illustrates the consequences of reckless spending and living beyond one’s means. When someone is described as prodigal, it typically implies not just a lack of prudence regarding money, but also an indulgence in luxury and excess that can lead to significant financial trouble. This term captures the essence of behavior that disregards financial wisdom in favor of lavishness, making it the most appropriate choice among the options provided.

The other terms do not convey the same connotation of wastefulness specifically related to money. "Pretext" pertains to a motive or reason that is given to hide the true purpose of an action. "Problematic" generally refers to something that presents a problem or difficulty but does not imply wastefulness. "Pretentious" describes an attitude of superiority or a show of greater importance than is warranted, focusing more on perception than on financial behavior.