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Real-Life Decision Making

Professional cyclists, much like stock car racers, rely on a technique called drafting. Drafting is the practice of racing close behind another rider, so that they do all the work of breaking through the wind resistance while you benefit by being pulled along in the first rider's draft.

In this case, you and another rider have broken away from the pack. The two of you have put so much distance between yourselves and the other competitors that there is every chance that you two will take the first and second place spots. Now, all you have to do is finish with a really good time and you're sure to be snapped up by one of the big teams.

The problem is, you're exhausted. If you start to lag, you might lose your excellent lead. So you strike a bargain with the other racer. You explain that you are too tired to fight the wind, and you ask the other rider to take the lead and allow you to draft. In exchange, you agree to allow him to finish first.

However, as the finish line approaches, you hear the roar of the crowd and begin thinking about the $1,000 difference in prize money between finishing first or second. What do you do?

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OCAP believes that financial literacy and understanding the financial aid process are critical aspects of college planning and student success. OCAP staff who work with students, parents, educators and community partners in the areas of personal finance education, state and federal financial aid, and student loan management do not provide financial, investment, legal, and/or tax advice. This website and all information provided is for general educational purposes only, and is not intended to be construed as financial, investment, legal, and/or tax advice.