Needs vs Wants
Needs keep your life running (rent, groceries, getting to work); wants make it nicer (streaming, eating out, the newer phone). The skill is telling them apart before money gets tight — plenty of spending dresses up as a need when it's really a want in disguise.
Where this is taught
Definitions are the trailer. These free levels turn Needs vs Wants into something you play — one bite-size lesson, with worked examples, a quiz and XP.