Questions 15 - 16. Choose a, b or c as the best answer. 15. According to the speaker, when managing money, most undergraduates

Question

Questions 15 - 16. Choose a, b or c as the best answer. 15. According to the speaker, when managing money, most undergraduates

BlackTom AI · Accepted Answer

Most undergraduates gradually learn to budget and control spending, so the speaker’s overall point is that money management improves with experience.

1) Relevant knowledge points and concepts
- Financial literacy: basic budgeting, tracking income vs. expenses, and adapting habits.
- Transition effects: moving to university often forces students to manage finances independently for the first time.
- Behavioral change over time: repeated practice and minor setbacks typically produce better self-control and planning.

2) Step‑by‑step reasoning from the speaker’s statements
- The speaker contrasts first‑term difficulties (unexpected bills, overspending) with later behaviors (creating a budget, cutting nonessential costs, finding part‑time work).
- They describe students learning strategies—e.g., tracking weekly expenses, prioritizing rent/food, setting aside small emergency funds.
- The speaker then notes that these strategies reduce overdrafts and anxiety and that students report feeling more confident by the second or third year.
- From these points the natural inference is a trajectory: initial problems → adoption of money‑management tactics → improved skills over time.

3) Calculations
- No numeric calculation is necessary. The argument is qualitative: frequency of mistakes declines and competence increases.

4) Why the correct answer is correct
- Option C states that most undergraduates “improve money management skills over time,” which matches the speaker’s sequence: early errors followed by deliberate corrective actions and increased competence.

5) Why the other options are incorrect
- Option A (“are helped out by their new circle of friends”): the speaker mentioned peer influence mainly as a source of pressure to spend, not as systematic financial help.
- Option B (“have stressful times throughout their degrees”): while stress may occur early, the speaker emphasizes improvement and diminishing stress as students learn, so persistent stress is not the main claim.

6) Conclusion
- Therefore the speaker’s intended message aligns with choice C: improve money management skills over time, which matches the provided answer.

Questions 15 - 16. Choose a, b or c as the best answer. 15. According to the speaker, when managing money, most undergraduates单项选择题

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