Final answer:
A sailor with an involuntary allotment has shown difficulty managing finances, indicating a need for improved financial management.
Step-by-step explanation:
A sailor with an involuntary allotment has likely demonstrated difficulty managing finances. An involuntary allotment is typically a measure taken to ensure that a sailor's financial obligations, such as child support or debt payments, are met when the sailor has not been managing their money responsibly. This situation suggests a need for better financial management rather than characteristics such as financial responsibility, high income, or consistent saving habits.