Assess students' ability to create a comprehensive, realistic 5-year personal financial plan for a recent high‑school graduate: produce a detailed monthly budget with assumptions, a schedule to build a 3–6 month emergency fund, a prioritized debt‑repayment strategy (minimums and accelerated options), a diversified investment portfolio with target asset allocation and risk rationale, alignment of short‑ and long‑term goals (education, housing, retirement), tax‑minimization tactics suitable for entry‑level income, and contingency/adjustment scenarios for income shocks or changing goals; include calculations, timelines, and justified trade‑offs.