What is the best practice to create has_one (always exist) model
relationships when creating the parent model.

eg:
class User < ActiveRecord::Base
  has_one :balance
end

class Balance < ActiveRecord::Base
  belongs_to :user
end

A User always has a Balance

I would like to create the Balance model when the User is saved.

There is 3 (maybe more choices to accomplish this), which one is the
best practice:

1. Create the Balance model and associate it to the User from the
controller that is creating the User model.

2. Do it in the User model with after_create :create_balance

3. Do it in a UserObeserver:

class UserObserver < ActiveRecord::Observer
  def after_create(user)
    balance = Balance.new(:amount => 0)
    balance = customer
    balance.save
  end
end

Thanks!  If this has been covered before, sorry, but just not finding
the right search terms to limit results.
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