Common fears during the school years include a. family finances and college selection. b. monsters and ghosts. c. acts of nature, such as thunder and lightning. d. poor academic performance and the possibility of personal harm.

 d. poor academic performance and the possibility of personal harm.

Explanation:

Academics was the common fear for the students in the school years. The good score and passing marks gives students satisfaction that what they had prepared for the exam has been utilized. Students are scold by the teachers, and parents for poor academic performance. They are not allowed to be promoted to next higher class with poor performance by the school management. The students are also beaten up by their parents for poor academic performance. Almost all students are aware of the fact that if they do not study well their academic performance will get affected and they will not be promoted to next class, this can affect their future.  

the question deals with financial planning and the answer is that dan did not stay on budget due to the fact that this guy needs to start decreasing his discretionary spending. according to the financial plan, he needed to balance his expenses and resources.