Assess students' ability to construct a monthly personal budget from a provided income-and-expense scenario. Require itemized allocations for fixed and variable costs, meeting specified savings and debt-repayment targets, and calculating discretionary spending and remaining cash flow. Students must show step-by-step calculations (dollars and percentages), justify prioritization and trade-offs when goals conflict, and present at least one adjusted plan if the initial targets cannot be met under the income constraint.