Last visit was: 18 Nov 2025, 17:33 It is currently 18 Nov 2025, 17:33
Close
GMAT Club Daily Prep
Thank you for using the timer - this advanced tool can estimate your performance and suggest more practice questions. We have subscribed you to Daily Prep Questions via email.

Customized
for You

we will pick new questions that match your level based on your Timer History

Track
Your Progress

every week, we’ll send you an estimated GMAT score based on your performance

Practice
Pays

we will pick new questions that match your level based on your Timer History
Not interested in getting valuable practice questions and articles delivered to your email? No problem, unsubscribe here.
Close
Request Expert Reply
Confirm Cancel
User avatar
Bunuel
User avatar
Math Expert
Joined: 02 Sep 2009
Last visit: 18 Nov 2025
Posts: 105,355
Own Kudos:
Given Kudos: 99,964
Products:
Expert
Expert reply
Active GMAT Club Expert! Tag them with @ followed by their username for a faster response.
Posts: 105,355
Kudos: 778,072
 [14]
Kudos
Add Kudos
14
Bookmarks
Bookmark this Post
User avatar
Bunuel
User avatar
Math Expert
Joined: 02 Sep 2009
Last visit: 18 Nov 2025
Posts: 105,355
Own Kudos:
Given Kudos: 99,964
Products:
Expert
Expert reply
Active GMAT Club Expert! Tag them with @ followed by their username for a faster response.
Posts: 105,355
Kudos: 778,072
Kudos
Add Kudos
Bookmarks
Bookmark this Post
User avatar
Archit3110
User avatar
Major Poster
Joined: 18 Aug 2017
Last visit: 18 Nov 2025
Posts: 8,423
Own Kudos:
Given Kudos: 243
Status:You learn more from failure than from success.
Location: India
Concentration: Sustainability, Marketing
GMAT Focus 1: 545 Q79 V79 DI73
GMAT Focus 2: 645 Q83 V82 DI81
GPA: 4
WE:Marketing (Energy)
GMAT Focus 2: 645 Q83 V82 DI81
Posts: 8,423
Kudos: 4,979
Kudos
Add Kudos
Bookmarks
Bookmark this Post
User avatar
Emkicheru
Joined: 12 Sep 2023
Last visit: 12 Sep 2025
Posts: 119
Own Kudos:
Given Kudos: 11
Location: Kenya
GMAT 1: 780 Q50 V48
GRE 1: Q167 V164
GPA: 3.7
GMAT 1: 780 Q50 V48
GRE 1: Q167 V164
Posts: 119
Kudos: 22
Kudos
Add Kudos
Bookmarks
Bookmark this Post
Fareena is not being analytical and Paul is not being considerate.

Posted from my mobile device
User avatar
divi22
Joined: 03 Jul 2024
Last visit: 31 Aug 2024
Posts: 45
Own Kudos:
Given Kudos: 4
Posts: 45
Kudos: 58
Kudos
Add Kudos
Bookmarks
Bookmark this Post
Fails to consider that a factor contributing to a phenomenon may not be the only factor behind the phenomenon, which is one finding themselves destitute in their old age.
The reasoning is irrelevant to the stated conclusion that it is the individual’s responsibility to manage their finances, not the government’s.
User avatar
Abhijeet24
Joined: 06 Apr 2023
Last visit: 23 Feb 2025
Posts: 48
Own Kudos:
Given Kudos: 30
GMAT Focus 1: 615 Q83 V79 DI80
GPA: 3.94
Products:
GMAT Focus 1: 615 Q83 V79 DI80
Posts: 48
Kudos: 54
Kudos
Add Kudos
Bookmarks
Bookmark this Post
Bunuel
Fareena: Most people are, sadly, rather ignorant when it comes to financial planning. As a result, many find themselves destitute in their old age, unable to afford even basic necessities. The government should mandate that all working individuals invest 20% of their monthly income into a state retirement fund. This step would take care of the issue of lack of financial planning and thus, solve for good, the cost of living crisis among the elderly.

Paul: I think your conclusion is wrong. People should be able to spend or save their money as they see fit. In the case of adults, at least, it is the individual’s responsibility to manage their finances, not the government’s.

In the table, select the most serious flaw in Fareena’s reasoning and the most serious flaw in Paul’s reasoning. Make only two selections, one in each column.

­
 


This question was provided by Experts' Global
for the GMAT Olympics 2024

Win over $30,000 in prizes such as Courses, Admissions Consulting, and more

 

­
Fareena's Argument
Fareena argues that:
1. Most people are ignorant about financial planning.
2. This ignorance leads to destitution in old age.
3. The government should mandate that all working individuals invest 20% of their monthly income into a state retirement fund.
4. This mandate would solve the cost of living crisis among the elderly.

Fareena's conclusion that mandating a specific investment would solve the financial issues of the elderly has a notable flaw. She assumes that this one solution will completely solve the problem of elderly financial distress, without considering other potential factors or solutions. Therefore, the most serious flaw in Fareena's reasoning is:

- **Fails to consider that a factor contributing to a phenomenon may not be the only factor behind the phenomenon.**

Paul's Argument
Paul argues that:
1. People should be able to manage their own money.
2. It is the individual's responsibility to manage their finances, not the government's.

Paul's conclusion is based on the principle of individual responsibility and freedom, which is relevant but does not directly address Fareena's concern about widespread financial ignorance and destitution among the elderly. Instead of providing a solution or a counterargument to Fareena's point about the elderly's financial crisis, Paul focuses on a principle that doesn't engage with the practical issue at hand. Therefore, the most serious flaw in Paul's reasoning is:

- **Reasoning is irrelevant to the stated conclusion.**
User avatar
A_Nishith
Joined: 29 Aug 2023
Last visit: 12 Nov 2025
Posts: 455
Own Kudos:
199
 [1]
Given Kudos: 16
Posts: 455
Kudos: 199
 [1]
1
Kudos
Add Kudos
Bookmarks
Bookmark this Post
To address the flaws in the reasoning of both Fareena and Paul, let's carefully analyze their arguments and identify the most serious flaws in each.

Fareena's Reasoning:
Fareena argues that mandatory investment into a state retirement fund will solve the cost of living crisis among the elderly due to a lack of financial planning.

Flaw in Fareena's Reasoning:

Fails to consider that a factor contributing to a phenomenon may not be the only factor behind the phenomenon.
Fareena assumes that lack of financial planning is the sole cause of the cost of living crisis among the elderly and that mandatory investment is the only solution. She does not consider other factors that might contribute to the crisis, such as healthcare costs, inflation, or changes in pension policies. Her reasoning overlooks the complexity of the issue and other potential contributing factors.

Paul's Reasoning:
Paul argues that individuals should be responsible for managing their finances and that the government should not mandate savings.

Flaw in Paul’s Reasoning:

Reasoning is irrelevant to the stated conclusion.
Paul's argument centers on the principle of individual responsibility and freedom to manage one's finances. However, his reasoning does not address the problem Fareena raises, which is the financial destitution of the elderly due to poor financial planning. Paul does not provide an alternative solution to this issue or directly refute Fareena's claim that mandatory savings could help mitigate the problem. His focus on individual responsibility does not directly engage with the effectiveness or necessity of the proposed policy.

Selections:
Fareena’s reasoning: Fails to consider that a factor contributing to a phenomenon may not be the only factor behind the phenomenon.
Paul’s reasoning: Reasoning is irrelevant to the stated conclusion.
User avatar
rg270903
Joined: 30 May 2024
Last visit: 18 Apr 2025
Posts: 30
Own Kudos:
Given Kudos: 4
Posts: 30
Kudos: 42
Kudos
Add Kudos
Bookmarks
Bookmark this Post
­Fareena: Most people are, sadly, rather ignorant when it comes to financial planning. As a result, many find themselves destitute in their old age, unable to afford even basic necessities. The government should mandate that all working individuals invest 20% of their monthly income into a state retirement fund. This step would take care of the issue of lack of financial planning and thus, solve for good, the cost of living crisis among the elderly.

Paul: I think your conclusion is wrong. People should be able to spend or save their money as they see fit. In the case of adults, at least, it is the individual’s responsibility to manage their finances, not the government’s.

Most serious flaw in Fareena’s reasoning:
Baselessly presumes that there can be only one solution to the stated problem.
- As Fareena presumes that only government intervention in the form of a mandate can solve the stated problem, there can be other solutions too, such as educational awareness initiatives, or pensions and financial incentives for retirement funds.

Most serious flaw in Paul’s reasoning:
Presumes that a particular factor cannot affect multiple phenomenon.
- By stating that it is not the government's responsibility, but the governemnt is for people's welfare.
­
User avatar
jack5397
Joined: 13 Sep 2020
Last visit: 15 May 2025
Posts: 141
Own Kudos:
Given Kudos: 278
Location: India
Concentration: General Management, Strategy
GMAT Focus 1: 575 Q79 V79 DI77
GMAT Focus 2: 575 Q80 V81 DI75
GMAT Focus 3: 635 Q82 V83 DI79
GMAT 1: 460 Q36 V18 (Online)
GPA: 3.8
Products:
GMAT Focus 3: 635 Q82 V83 DI79
GMAT 1: 460 Q36 V18 (Online)
Posts: 141
Kudos: 707
Kudos
Add Kudos
Bookmarks
Bookmark this Post
Fareena’s reasoning - Baselessly presumes that there can be only one solution to the stated problem.

Paul’s reasoning - Reasoning is irrelevant to the stated conclusion.
User avatar
meet459
User avatar
Goizueta / Scheller Moderator
Joined: 03 Jun 2024
Last visit: 29 May 2025
Posts: 85
Own Kudos:
Given Kudos: 32
Location: India
GMAT Focus 1: 675 Q90 V81 DI79
GPA: 8.55
Products:
Kudos
Add Kudos
Bookmarks
Bookmark this Post
Fareena: Most people are, sadly, rather ignorant when it comes to financial planning. As a result, many find themselves destitute in their old age, unable to afford even basic necessities. The government should mandate that all working individuals invest 20% of their monthly income into a state retirement fund. This step would take care of the issue of lack of financial planning and thus, solve for good, the cost of living crisis among the elderly.

Paul: I think your conclusion is wrong. People should be able to spend or save their money as they see fit. In the case of adults, at least, it is the individual’s responsibility to manage their finances, not the government’s.

Baselessly presumes that there can be only one solution to the stated problem. -> This attacks Fareena's statement perfectly, there could be other solutions as well to deal with the problem

Reasoning is irrelevant to the stated conclusion. -> Inccorrect, both of their reasoning are related to the conclion

Fails to consider that a factor contributing to a phenomenon may not be the only factor behind the phenomenon. -> Incorrect, if phenomena is getting poor in old ageand factor being investing or saving, we can say that it might not be the only but is the major, so it might weaken a bit lesser thant the first one (in case of Freeda, irrelevant for Paul)

Presumes that a particular factor cannot affect multiple phenomenon. -> Irrelevant to both

Fails to interpret the context-specific meaning of an ambiguous term.­ -> Perfect for Paul where the context-specific meaning of the ambiguous term will be "State retirement fund"
User avatar
zeognzeg
Joined: 30 Jun 2024
Last visit: 15 Jan 2025
Posts: 38
Own Kudos:
40
 [1]
Given Kudos: 3
Posts: 38
Kudos: 40
 [1]
1
Kudos
Add Kudos
Bookmarks
Bookmark this Post
­Fareena’s reasoning: Fails to consider that a factor contributing to a phenomenon may not be the only factor behind the phenomenon.
Paul’s reasoning: Reasoning is irrelevant to the stated conclusion.
User avatar
mbaram
Joined: 01 Nov 2023
Last visit: 07 Oct 2025
Posts: 5
Own Kudos:
10
 [1]
Given Kudos: 4
Location: India
Concentration: Operations, Strategy
Schools: ISB '27
GMAT Focus 1: 655 Q85 V84 DI79
GPA: 7.83
WE:Operations (Technology)
Schools: ISB '27
GMAT Focus 1: 655 Q85 V84 DI79
Posts: 5
Kudos: 10
 [1]
1
Kudos
Add Kudos
Bookmarks
Bookmark this Post
Paul: Reasoning is irrelevant to the stated conclusion.
Paul's reasoning does not address Fareena's conclusion about the lack of financial planning.


Fareena: Fails to consider that a factor contributing to a phenomenon may not be the only factor behind the phenomenon.
Fareena makes an assumption that the lack of financial planning during their youth is the only probable cause when it could have been many possible contributing factors that may have caused them to not be able to afford basic amenities.
User avatar
shivangi_31
Joined: 27 Nov 2023
Last visit: 11 Jun 2025
Posts: 41
Own Kudos:
Given Kudos: 14
Posts: 41
Kudos: 28
Kudos
Add Kudos
Bookmarks
Bookmark this Post
­The answer should be CE
User avatar
harishg
Joined: 18 Dec 2018
Last visit: 18 Nov 2025
Posts: 85
Own Kudos:
Given Kudos: 27
Products:
Posts: 85
Kudos: 100
Kudos
Add Kudos
Bookmarks
Bookmark this Post
­Looking at Fareena's argument, she considers that lack of financial planning is leaving people destitute in old age and suggests a way to tackle it. She concludes that with addressing financial planning, the problem can be solved. However, the problem could have arisen from other phenomenon as well. 

Therefore, she fails to consider that financial planning may not be the only factor behind the phenomenon.

On the other hand, Paul has misconstrued that the government will manage personal finances whereas the first argument merely states that the government can mandate a certain portion to move to state retirement fund. Therefore, the context specific meaning of 'financial planning' is misunderstood by Paul.

Therefore, Fareena's reasoning - C and Paul's reasoning - E
User avatar
busygmatbee1290
Joined: 27 Dec 2023
Last visit: 18 Mar 2025
Posts: 50
Own Kudos:
73
 [1]
Given Kudos: 116
Location: India
Concentration: Finance, Strategy
GMAT Focus 1: 755 Q87 V90 DI86
GPA: 10/10
GMAT Focus 1: 755 Q87 V90 DI86
Posts: 50
Kudos: 73
 [1]
1
Kudos
Add Kudos
Bookmarks
Bookmark this Post
Fareena ­Fails to consider that a factor contributing to a phenomenon may not be the only factor behind the phenomenon since she believes that the only reason for the issue is ignorance. 
She claims "thus, solve for good" and hence we know the above. 

Paul's Reasoning is irrelevant to the stated conclusion. 
He just talks about something different than the reasoning Fareena provided and he doesn't provide any reason to claim that her conclusion was wrong. 
User avatar
SomeOneUnique
Joined: 17 Mar 2019
Last visit: 26 Dec 2024
Posts: 122
Own Kudos:
Given Kudos: 41
Location: India
Posts: 122
Kudos: 117
Kudos
Add Kudos
Bookmarks
Bookmark this Post
­Fareen's reasoning => option C
Paul's reasoning => option B
User avatar
tulee
Joined: 15 Jan 2024
Last visit: 15 Oct 2025
Posts: 66
Own Kudos:
Given Kudos: 53
Concentration: Finance, Economics
Posts: 66
Kudos: 53
Kudos
Add Kudos
Bookmarks
Bookmark this Post
Bunuel
Fareena: Most people are, sadly, rather ignorant when it comes to financial planning. As a result, many find themselves destitute in their old age, unable to afford even basic necessities. The government should mandate that all working individuals invest 20% of their monthly income into a state retirement fund. This step would take care of the issue of lack of financial planning and thus, solve for good, the cost of living crisis among the elderly.

Paul: I think your conclusion is wrong. People should be able to spend or save their money as they see fit. In the case of adults, at least, it is the individual’s responsibility to manage their finances, not the government’s.

In the table, select the most serious flaw in Fareena’s reasoning and the most serious flaw in Paul’s reasoning. Make only two selections, one in each column.

­
 


This question was provided by Experts' Global
for the GMAT Olympics 2024

Win over $30,000 in prizes such as Courses, Admissions Consulting, and more

 

­
­Fareena said "This step would take care of the issue of lack of financial planning and thus, solve for good, the cost of living crisis among the elderly.", she thought that only one measure can tackle the problem without thinking of other factors that may got involved (i.e. the fund can also be bankrupt and the elderly would not have money to live by then) or that other measures can be helpful too => Baselessly presumes that there can be only one solution to the stated problem.
Paul => Fails to consider that a factor contributing to a phenomenon may not be the only factor behind the phenomenon => because Paul just focused on rejecting Fareena's argument, only considered the adults' financial planning responsibility without considering other factors such as some individuals don't have enough knowledge to manage their wealth. 



 
User avatar
Kinshook
User avatar
Major Poster
Joined: 03 Jun 2019
Last visit: 18 Nov 2025
Posts: 5,793
Own Kudos:
5,508
 [3]
Given Kudos: 161
Location: India
GMAT 1: 690 Q50 V34
WE:Engineering (Transportation)
Products:
GMAT 1: 690 Q50 V34
Posts: 5,793
Kudos: 5,508
 [3]
3
Kudos
Add Kudos
Bookmarks
Bookmark this Post
Fareena: Most people are, sadly, rather ignorant when it comes to financial planning. As a result, many find themselves destitute in their old age, unable to afford even basic necessities.
The government should mandate that all working individuals invest 20% of their monthly income into a state retirement fund.
This step would take care of the issue of lack of financial planning and thus, solve for good, the cost of living crisis among the elderly.

Paul: I think your conclusion is wrong. People should be able to spend or save their money as they see fit. In the case of adults, at least, it is the individual’s responsibility to manage their finances, not the government’s.

In the table, select the most serious flaw in Fareena’s reasoning and the most serious flaw in Paul’s reasoning. Make only two selections, one in each column.

the most serious flaw in Fareena’s reasoning
Fails to consider that a factor contributing to a phenomenon may not be the only factor behind the phenomenon. 
Fareena assumes that because of lack of financial planning, most people find themselves destitute in their old age, unable to afford even basic necessities.
But this problem may be due to many other factors, e.g. low income, emergency medical expenses etc.


the most serious flaw in Paul’s reasoning.
Reasoning is irrelevant to the stated conclusion.

Paul is talking about people's right to spend or save their money as they see fit. In the case of adults, at least, it is the individual’s responsibility to manage their finances, not the government’s. But he does not provide any solution to the cost of living crisis among the elderly.
User avatar
OmerKor
Joined: 24 Jan 2024
Last visit: 10 Sep 2025
Posts: 129
Own Kudos:
150
 [1]
Given Kudos: 150
Location: Israel
Posts: 129
Kudos: 150
 [1]
1
Kudos
Add Kudos
Bookmarks
Bookmark this Post
After resting at the weekend.
We're back to business.
I feel the luck is going to shift to our Green team as we get closer to the end of the Champions.
Let's get started with our explanation for this topic:

Identify the Question:
This is kind of CR question. Thus, we will treat that question as it was CR question.
We are dealing with Flaw question here. we need to find a flaw in the argument.

Deconstruct the argument
­Fareena: Most people are, sadly, rather ignorant when it comes to financial planning. - Premise
As a result, many find themselves destitute in their old age, unable to afford even basic necessities. - Reiterate of the Conclusion in the last sentance.
The government should mandate that all working individuals invest 20% of their monthly income into a state retirement fund. - Proposal
This step would take care of the issue of lack of financial planning - Premise
and thus, solve for good, the cost of living crisis among the elderly. - Conclusion

Paul: I think your conclusion is wrong. - Conclusion
People should be able to spend or save their money as they see fit. -Premise
In the case of adults, at least, it is the individual’s responsibility to manage their finances, not the government’s. - kind of premise (proposal).

State the goal

First, let's focus on Fareena flaw: 
I can think of some flaws in her argument. She conclude: The plan will solve for good, the cost of living crisis among the elderly.
but if there is another factor for this problem? not only the "Igonorant of financial planinng"? so the argument fall apart.

Now, let's focus on Paul Flaw:
He is stating that Farenna Conclusion is wrong. Thus, He belive the plan won't work and will help the elderly crisis.
But then he uses unrelated premises to his conclusion (that based on her conclusion).
He says people should do what ever they want, but what about the elderly people? how would you save the problem? his premises isn't relating to his conclusion.


Elimination
Fareena's reasoning   |    Paul's reasoning   |
              X               |               X             |  - She actually has a base to her conclusion. she says it clearly that most people do not plan financially - Eliminate
              X               |               V             |  - As we said before, his conclusion is that her conclusion is wrong. And than he "support" his conclusion by saying irrelevant premises. We cannot understand his reasoning that: how he plans to finish the elderly people cost crisis? he just saying that it is the individual’s responsibility to manage their finances, not the government’s. he can't support his conclusion by irrelevant premise. - Eliminate.
              V               |               X             |  - This is exactly what we thought. if there is another factor that causing their poor living. they have high of expenses due to morgage or helping their children? or a behavior of thriftiness?
              X               |               X             |  - Here we are mixing Answer choice C. she argue about elderly people and not about multiple phenomena. this statement says that she presume one factor to multiple phenomena and she can't do that. but she doesn't do that. - Eliminate.
              X               |               X             |  - I don't see any context-specific meaning of an ambiguous term. maybe the financial plannig but it is not ambiguous. it stated and the reasoning is clear. 


THE END
I hope you liked the explanation, I have tried my best here.
Let me know if you have any questions about this question or my explanation.
­     
User avatar
Oppenheimer1945
Joined: 16 Jul 2019
Last visit: 14 Nov 2025
Posts: 784
Own Kudos:
Given Kudos: 223
Location: India
GMAT Focus 1: 645 Q90 V76 DI80
GPA: 7.81
Kudos
Add Kudos
Bookmarks
Bookmark this Post
Fareena’s argument asserts that mandating a retirement fund will solve the problem of financial planning and the cost of living crisis among the elderly. This reasoning overlooks the possibility that there might be other factors contributing to these problems.

Paul’s Argument:
People should manage their own finances and not rely on government mandates for financial planning. It is the individual’s responsibility to manage their finances rather than the government’s role.

C,A
 1   2   3   4   
Moderators:
Math Expert
105355 posts
496 posts