Assess students' ability to design a comprehensive 5-year personal and financial development plan for a young adult entering independence, requiring creation of annual and monthly budgets, prioritized debt-repayment schedules, investment strategies matched to risk and time horizon, measurable career milestones and skill-building steps, time-management systems, routines for mental-health maintenance, and contingency/emergency plans; include justified assumptions, cash-flow and net-worth projections, SMART goals, and a concise executive summary integrating financial, career, and wellbeing strategies.