Evaluate students' ability to analyze personal budgeting methods and trade-offs for reducing debt and increasing savings during the college-to-workforce transition. Tasks include comparing budgeting frameworks (e.g., 50/30/20, zero-based, envelope), contrasting debt-reduction strategies (snowball vs. avalanche), performing brief scenario-based calculations to estimate effects on cash flow, savings rate, and time-to-debt-free status, and justifying a prioritized action plan that balances immediate needs, emergency savings, and long-term goals.