The way that James would be able to do things differently so that he is able to help his friend would be by:
This is the term that has to do with all of the activities that would involve the keeping of money aside so as to be able to take care of certain needs that may arise at a time that one may not be expecting. Such needs are classified under unforeseen events.
The needs of his friend can be seen as an unforeseen event because he was not expected to have been in an accident. James would have been able to help out if he had money saved somewhere,
We can conclude by saying that The way that James would be able to do things differently so that he is able to help his friend would be by:
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