The article explores relevant aspects of the application of decision theory in everyday life, where the key challenges are limited access to information, lack of time and a high degree of uncertainty. The authors have developed a hybrid risk and benefit assessment model based on subjective criteria that combines pessimistic and optimistic approaches. Using the example of an analysis of investment decisions (stock selection, profitability assessment, cost management), it is demonstrated how a systematic consideration of factors — from financial performance to personal experience — can reduce potential losses and improve the effectiveness of choice. Special attention is paid to the development of critical thinking skills: the model teaches you to balance caution and ambition, adapting to dynamically changing conditions. The practical significance of the work is emphasized by its integration into educational programs — the proposed tool helps students and teachers to form an informed approach.
Yudakov et al. (Mon,) studied this question.