Assess students' ability to apply SMART goal-setting and personal budgeting to design a realistic 6-month plan that integrates academic targets (grades, study schedule, milestone tasks) with financial actions (income, expenses, savings, contingencies). Tasks include writing SMART academic and financial objectives, creating a monthly budget and simple cash-flow projection, allocating limited resources to priorities, calculating required study hours and savings rates, and describing monitoring and adjustment strategies for at least two scenarios; evaluate clarity, measurability, feasibility, and alignment between academic and financial choices.