The other answer on here is incorrect.
Answer: WIth the discount: $3.56, you do not have enough money, and are $0.56 short.
Explanation:
Find 20% of 4.45
(4.45*0.2)= 0.89
Subtract the 20% from 4.45.
4.45-0.89=3.56
$3.56 is more than the $3 you have.
Subtract the $3 you have from the discounted price.
3.56-3.00=0.56
you are $0.56 short.