when should I use the new operator in C++

Question

Say I have a class called Money which has parameters Dollars and Cents

I could initialize it in the followings 2 ways:

Answer 1

It is totally different.

1. You have an object which is constructed on the stack. It will have a scope of life that lasts for a code block.

2. You have an object initialized at some memory address allocated in the heap. It will not be destroyed until you call delete b.