A
You find a room for rent near campus that’s significantly cheaper than similar listings. The landlord says several people are interested and asks you to send a deposit today to secure it. You haven’t seen the apartment in person yet.
A. Send the deposit so you don’t lose the opportunity.
B. Ask to tour the apartment and review the lease before paying anything.
C. Research the address and landlord, then ask for a live video tour if you can't visit in person.
A. The listing turns out to be fake, and the person stops responding after receiving your money.
−3 Financial Health, −1 Mental & Emotional Health
B. The landlord arranges a viewing, and you discover the room is legitimate but has some drawbacks you hadn't considered.
+2 Financial Health
C. You find the same photos used in another city's listing and avoid sending money to a scammer.
+2 Financial Health, +1 Mental & Emotional Health
Your friend sends you a link to a website promising free gift cards if you enter your name, phone number, and password. They say it worked for someone they know.
A. Open the link and enter your information since your friend sent it.
B. Check the website and offer for warning signs before deciding whether to use it. Outcome: You notice the suspicious web address and avoid giving away your information.
C. Ask your friend where they found the link and look for the offer on the company's official website.
A. The website turns out to be a scam, and you have to spend time securing your account.
−1 Financial Health, −1 Mental & Emotional Health
B. You notice the suspicious web address and avoid giving away your information.
+2 Physical Health & Safety
C. You discover the offer is fake and help your friend avoid the scam, too.
+1 Physical Health & Safety, +1 Social Well-being
You are walking home with a friend when you realize your usual route is blocked by construction. Your phone battery is low, and you are unsure which alternate route is safest.
A. Take a shortcut through an unfamiliar alley because it looks quicker.
B. Head toward a familiar, well-lit public area and check directions while your phone still has battery.
C. Call an old friend who lives in the area for an alternate route.
A. The shortcut leads to a dead end, and you lose time finding your way back.
−1 Mental & Emotional Health
B. You find a safe alternate route and arrive home without trouble.
+2 Physical Health & Safety
C. They point you toward a familiar route and you two plan to catch up later.
+1 Physical Health & Safety, +1 Social Well-being
You check your bank account and notice a $19.99 monthly charge for a streaming service you barely use. You originally signed up for a free trial a few months ago and forgot to cancel it.
A. Keep the subscription because you might use it more often eventually.
B. Cancel the subscription and check your other recurring payments.
C. Switch to a cheaper plan and set reminders to review subscriptions every few months.
A. Another payment comes out next month, leaving you with less money for something you actually want.
−1 Financial Health
B. You find another unused subscription and save yourself additional monthly expenses.
+2 Financial Health
C. You reduce the monthly cost and catch an upcoming renewal before it surprises you.
+1 Financial Health, +1 Mental & Emotional Health
Your roommate has been bringing people over late at night without warning you. You have an early morning tomorrow, and you're getting frustrated, but you still have months left until the semester ends.
A. Talk to your roommate directly and agree on reasonable expectations for guests and quiet hours.
B. Start spending more time studying or relaxing somewhere else so you can get some peace.
C. Talk to your RA about what options you have if the situation continues.
A. You establish clearer boundaries, and your roommate starts giving you advance notice.
+2 Mental & Emotional Health, +1 Social Well-being
B. You get some quiet time, but the extra trips to cafés and other spaces start costing money.
+1 Mental & Emotional Health, −1 Financial Health
C. You learn that your dorm already outlines guest policies, giving you a clearer idea for a conversation.
+2 Mental & Emotional Health
You've had a stressful week, and your friends invite you on a weekend trip. You want to go, but you also have personal responsibilities piling up and haven't had much time to rest.
A. Go on the trip and deal with everything when you get back.
B. Skip the trip entirely and spend the whole weekend catching up on everything.
C. Handle the most urgent responsibilities first, then join the group for part of the trip.
A. The change of scenery helps you recharge, but returning to several unfinished responsibilities makes Monday stressful.
+2 Social Well-being, −1 Mental & Emotional Health
B. You make progress on your responsibilities, but you finish the weekend feeling like you never had a break.
+1 Financial Health, −1 Mental & Emotional Health
C. You get some work done, enjoy time with your friends, and return feeling more balanced.
+1 Mental & Emotional Health, +1 Social Well-being
Your friends invite you to a party the night before an exam. You've studied most of the material, but a few concepts still confuse you.
A. Stay home, review the difficult concepts, and get a full night's sleep.
B. Go to the party for a couple of hours, then head home at a reasonable time.
C. Invite your friends to a group study session before the party.
A. You feel prepared for the exam, but your friends share photos of a memorable night you missed.
+2 Academics, +1 Physical Health, −1 Social Well-being
B. You meet someone from your class who clears up the concepts you were struggling with, but you get home later than planned.
+2 Academics, +2 Social Well-being, −1 Physical Health
C. Your group makes a helpful review sheet, but coordinating everyone's questions takes longer than expected.
+2 Academics, +1 Social Well-being, −1 Mental & Emotional Health
You agree to help organize a community event with a friend. A few days beforehand, the organizer adds several responsibilities that would take most of your weekend. You want to contribute, but you also have personal commitments and haven't agreed to this expanded role.
A. Take on all the extra work so you don't disappoint the organizer.
B. Explain what you originally agreed to do and clarify how much additional time you can realistically contribute.
C. Offer to help find another volunteer for the additional tasks, then coordinate a handoff rather than accepting everything yourself.
A. The event goes smoothly, but you spend the weekend rushing between commitments and feel drained afterward.
+2 Social Well-being, −2 Mental & Emotional Health
B. The organizer redistributes the remaining tasks, and you complete your original responsibilities successfully.
+2 Mental & Emotional Health, +1 Social Well-being
C. Another volunteer steps in, and the organizer appreciates the solution. You also meet someone who shares your interests.
+2 Social Well-being, +1 Mental & Emotional Health
You go out to dinner with a group of friends. When the bill arrives, someone suggests splitting it evenly, even though you ordered a $14 meal and a few people ordered drinks and more expensive entrees. Your share would be almost double what you expected to spend.
A. Split the bill evenly to avoid making the situation awkward.
B. Ask to pay for what you ordered and your share of tax and tip
C. Offer to split the appetizers and shared items evenly, then pay separately for the rest.
A. Dinner ends without conflict, but you spend more than you planned.
−2 Financial Health
B. A couple of people do the same, and everyone sorts out the bill individually.
+2 Financial Health
C. The group agrees, and the bill gets sorted out without much discussion.
+1 Financial Health, +1 Social Well-being
Your group presentation is due tomorrow. One teammate is behind on their section, and the group needs to decide how to finish the project.
A. Help your teammate finish their section while dividing the remaining work fairly.
B. Focus on your own section and clearly communicate what remains unfinished.
C. Contact your professor to explain the situation and ask how the group should proceed.
A. The group submits the finished presentation, but you sacrifice time you had set aside for another assignment.
+2 Academics, +2 Social Well-being, −2 Academics
B. Another team member volunteers to help, but your group's presentation is less cohesive than you hoped.
+1 Academics, +1 Mental & Emotional Health
C. Your professor clarifies individual grading, reducing uncertainty, but you spend the night documenting everyone's contributions.
+2 Academics, +1 Mental & Emotional Health, −1 Physical Health
You walk into class and discover that your professor has announced a surprise quiz. You reviewed the material briefly last night, but you're unsure about a few concepts.
A. Answer the questions you know first, then return to the more difficult ones.
B. Spend extra time working through the hardest questions because they're worth the most points.
C. Use the quiz to identify what you don't understand and make a plan to review it afterward.
A. You manage your time well and earn a better score than expected.
+2 Academics, -1 Mental & Emotional Health
B. You solve a difficult problem correctly, but run short on time for two easier questions.
+1 Academics, −1 Mental & Emotional Health
C. Your professor offers extra credit for a corrections assignment, but completing it takes time away from another class.
+1 Academics, -1 Mental & Emotional Health
You and several friends are organizing a club event. One person handles the shared budget, another books the space, and you manage promotion. A few days before the event, you discover that the budget is short because someone used part of the funds for an expense that wasn't approved. The person says they'll pay it back eventually and asks you not to tell the others because the event could be canceled.
A. Cover the missing money yourself to keep the event running smoothly.
B. Tell the group what you've discovered, stick to the documented facts, and work together on a revised budget.
C. Speak privately with the person first, give them a short opportunity to explain, and set a clear deadline for resolving the shortfall before updating the group.
A. The event goes ahead, but you lose money you needed for your own expenses and establish an expectation that you'll fix future problems.
−2 Financial Health, +1 Social Well-being
B. The group adjusts the event plans, clarifies spending responsibilities, and avoids putting the shortfall on one person.
+2 Financial Health, +2 Social Well-being
C. They admit they misunderstood the reimbursement rules and agree to repay the amount, while the group introduces clearer spending procedures.
+2 Social Well-being, +1 Mental & Emotional Health
You discover a scholarship that could help cover your college expenses. The application is due in two days, and you also have a major exam coming up.
A. Prioritize the scholarship application because its deadline is fixed, then schedule focused study time.
B. Focus on your exam first and complete the scholarship application afterward.
C. Contact counseling services for help organizing the application and finding alternatives.
A. You submit a strong application, but your exam preparation is less thorough than you wanted.
+2 Financial Health, +1 Academics, −1 Mental & Emotional Health
B. You do well on the exam, but the scholarship portal closes earlier than expected.
+2 Academics, −2 Financial Health
C. They help you find another scholarship with a later deadline, but the additional paperwork takes up your study time.
+2 Financial Health, +1 Mental & Emotional Health, −1 Academics
A close friend asks to borrow $100 until payday. They've repaid you before, but not always on time, and you were planning to use that money for your own upcoming expenses.
A. Lend them the money because you don't want them to feel unsupported.
B. Explain that you can't lend the full amount, but offer to help them look at other ways to cover the expense.
C. Lend them a smaller amount that you can afford not to get back immediately.
A. They repay you late, leaving you short when one of your own expenses comes due.
−2 Financial Health, −1 Mental & Emotional Health
B. You protect your own budget, and your friend appreciates the practical help.
+1 Financial Health, +1 Social Well-being
C. Your friend gets some help, and you avoid putting your own essential expenses at risk.
+1 Social Well-being
You receive a text claiming that your bank account has been locked because of suspicious activity. It includes a link and says you must verify your account immediately. You recently made an online purchase, so the message seems plausible.
A. Click the link and log in to resolve the issue quickly.
B. Open your bank's official app or call the number on your card to check your account.
C. Reply to the text asking which transaction triggered the alert.
A. The website captures your login details, potentially giving someone access to your account.
−2 Financial Health, −1 Mental & Emotional Health
B. You confirm that your account is fine and report the suspicious message.
+2 Financial Health
C. The sender responds with more urgent messages, but you recognize that the contact isn't verified and stop engaging.
−1 Mental & Emotional Health, +1 Financial Health
You're preparing for a demanding week and realize you've forgotten whether you took your prescribed medication this morning. You feel normal, but taking another dose could mean accidentally doubling it. You have a full schedule and don't want to lose time figuring it out.
A. Take another dose to avoid missing the medication for the day.
B. Check your medication instructions and contact a pharmacist or prescriber for advice about what to do when a dose is uncertain.
C. Check any reliable record you use to track doses, such as a medication log or pill organizer, before deciding on your next step.
A. Depending on the medication, an extra dose could cause harmful side effects or other complications.
−3 Physical Health & Safety
B. You receive guidance specific to your medication and avoid making an uninformed decision.
+3 Physical Health & Safety, +1 Mental & Emotional Health
C. Your record helps clarify what happened, and you set up a more reliable tracking system for the future.
+2 Physical Health & Safety, +1 Mental & Emotional Health
Your car breaks down, and the repair estimate is $1,800. You need the car to get to work, but paying for the repair would use nearly all your emergency savings. A repair shop offers financing, while a friend suggests buying a cheaper used car instead.
A. Pay for the repair from savings after getting a second opinion and confirming that the car is otherwise reliable.
B. Compare the total cost of repairs, financing terms, and realistic replacement-car costs before choosing.
C. Finance the repair immediately so you can get back to work without using your savings.
A. The repair resolves the immediate problem, and you avoid taking on new debt, but your financial cushion becomes very small.
−2 Financial Health, +1 Mental & Emotional Health
B. You discover that the financing plan has expensive fees, negotiate a lower repair price elsewhere, and preserve some savings.
+3 Financial Health, +1 Mental & Emotional Health
C. You return to work quickly, but interest and fees make the repair substantially more expensive over time.
+1 Financial Health, −2 Financial Health
Three major assignments and two exams fall in the same week. You're also working part-time and realize you can't give everything your full attention.
A. Build a strict schedule, prioritize high-impact tasks, and temporarily reduce nonessential commitments.
B. Speak with your professors about your workload and ask whether any deadlines can be adjusted.
C. Meet with your academic advisor to explore tutoring, work-schedule changes, and future course adjustments.
A. You complete the most important work, but you miss a friend's birthday gathering while catching up.
+2 Academics, −1 Social Well-being, −1 Mental & Emotional Health
B. One professor grants you an extension so you have extra time to work on your other assignments
+2 Academics, +2 Mental & Emotional Health
C. Your advisor connects you with helpful campus resources, but reducing your work hours means earning less money that month.
+1 Academics, +2 Mental & Emotional Health, −2 Financial Health
You've been offered a chance to join two friends in launching a small business. They have a promising idea and some early interest from customers, but they need everyone to contribute $3,000 upfront. You have the money in savings, though it's also your main cushion for rent, emergencies, and unexpected expenses. Your friends want an answer by the end of the week.
A. Invest the full amount because you trust your friends and don't want to miss the opportunity.
B. Ask for a written business plan, a breakdown of costs, clear ownership terms, and realistic projections before committing.
C. Explain that you can't risk your emergency savings, but offer to contribute time or consider a smaller amount after reviewing the plan.
A. The business gets started, but sales are slower than expected, and you have little money left to handle your own emergencies.
−3 Financial Health, −1 Mental & Emotional Health
B. You discover the initial budget leaves out several major expenses. Your group revises the plan and reduces the amount each person needs to contribute.
+2 Financial Health, +1 Social Well-being
C. Your friends are initially disappointed, but they appreciate your honesty and adjust the plan to make room for your contribution.
+2 Financial Health, +2 Mental & Emotional Health
You're on a weekend trip with friends when severe weather warnings are issued for the route home. One friend insists on leaving immediately to avoid getting stuck an extra night, while another wants to wait until conditions improve. You have work the next morning, and extending the trip will cost more money.
A. Leave immediately to avoid the extra expenses and the possibility of missing work.
B. Check official weather and road advisories, identify safe shelter options, and delay travel until authorities indicate conditions are suitable.
C. Compare official updates and available transport options, then arrange a safe alternative if driving remains inadvisable.
A. Traffic and deteriorating road conditions make the journey much more difficult than expected.
−3 Physical Health & Safety, −1 Mental & Emotional Health
B. You incur an unexpected overnight expense but travel home under safer conditions the next day.
−1 Financial Health, +3 Physical Health & Safety
C. You find a later transport option that costs more than planned but allows the group to avoid driving in hazardous conditions.
−2 Financial Health, +2 Physical Health & Safety, +1 Social Well-being