Which adjective describes being careful and judicious in planning for the future?

The adjective that best describes being careful and judicious in planning for the future is "provident." This term signifies a forward-thinking mindset and an ability to manage resources wisely, often involving savings and preparation for potential future needs. Being provident involves looking ahead and making prudent decisions to ensure security and stability.

In contrast, the other choices do not convey this positive aspect of foresight. "Improvident" refers to being careless or lacking foresight, which is the opposite of careful planning. Similarly, "imprudent" describes a lack of caution or respect, often leading to hasty decisions that overlook the consequences. "Negligent" implies a failure to take proper care, suggesting a disregard for responsibilities rather than an emphasis on careful planning. Thus, "provident" is the only word that aligns with being careful and judicious in future planning.