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Hi SimantaSourav,
Your logic chain is actually spot-on. "No planning → excessive spending → mounting debt," so "planning → less of that spending → less debt" is a perfectly valid read of Statement 1. Nothing wrong there.
The issue is the bar you're setting for sufficiency. You're demanding that the statement prove "no debt at all," but read the question stem carefully:
"Can financial budgeting help individuals avoid debt?"
This is a yes/no question, and the words "can" and "help" set the bar. It is not asking "does budgeting guarantee zero debt?" It's asking whether budgeting can help reduce/avoid debt.
Why "reduction in debt" is enough
In a yes/no DS question, a statement is sufficient the moment it forces a definite yes or a definite no - you don't need the strongest possible outcome. Your own chain lands on: budgeting cuts the excessive spending that drives the debt. That's a definite YES, it can help. The question is answered. That's exactly what sufficiency means here.
So "reduction in debt" isn't a weakness - it is the yes. You'd only need "eliminates debt entirely" if the stem had asked "Does budgeting guarantee an individual never has debt?" It didn't.
Lock the habit - watch the verb in the stem
- "Can X help avoid Y?" - you need only a definite yes/no on whether it helps. A partial effect still gives a definite yes.
- "Does X eliminate Y?" - now you'd need proof of complete removal.
Same statement, but the second phrasing would raise the bar. Statement 1 clears the actual bar in this question, which is why it's sufficient - and combined with the same logic on Statement 2, the answer is D.
The takeaway: in yes/no DS, sufficiency means a definite answer, not a maximal one. Don't hand the statement a harder job than the stem gave it.
Answer: D
Your logic chain is actually spot-on. "No planning → excessive spending → mounting debt," so "planning → less of that spending → less debt" is a perfectly valid read of Statement 1. Nothing wrong there.
The issue is the bar you're setting for sufficiency. You're demanding that the statement prove "no debt at all," but read the question stem carefully:
"Can financial budgeting help individuals avoid debt?"
This is a yes/no question, and the words "can" and "help" set the bar. It is not asking "does budgeting guarantee zero debt?" It's asking whether budgeting can help reduce/avoid debt.
Why "reduction in debt" is enough
In a yes/no DS question, a statement is sufficient the moment it forces a definite yes or a definite no - you don't need the strongest possible outcome. Your own chain lands on: budgeting cuts the excessive spending that drives the debt. That's a definite YES, it can help. The question is answered. That's exactly what sufficiency means here.
So "reduction in debt" isn't a weakness - it is the yes. You'd only need "eliminates debt entirely" if the stem had asked "Does budgeting guarantee an individual never has debt?" It didn't.
Lock the habit - watch the verb in the stem
- "Can X help avoid Y?" - you need only a definite yes/no on whether it helps. A partial effect still gives a definite yes.
- "Does X eliminate Y?" - now you'd need proof of complete removal.
Same statement, but the second phrasing would raise the bar. Statement 1 clears the actual bar in this question, which is why it's sufficient - and combined with the same logic on Statement 2, the answer is D.
The takeaway: in yes/no DS, sufficiency means a definite answer, not a maximal one. Don't hand the statement a harder job than the stem gave it.
Answer: D
SimantaSourav
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