Assess students' ability to design a detailed 12-month personal-finance recovery plan for a recent high-school graduate with variable monthly income, multiple debts, and no emergency fund. Students must apply income forecasting (scenario-based monthly projections), cash-flow smoothing techniques, and choose and justify a debt-prioritization strategy (snowball vs. avalanche) with a month-by-month payoff schedule. Required components: a 12-month cash-flow table, prioritized debt amortization timeline, starter emergency-fund targets, interest-negotiation tactics/scripts, and contingency budgets/triggers for income shortfalls, plus a brief reflection on trade-offs and risk management.