**Persona:** Alex Chen is a 22-year-old co-op student in the Engineering Faculty at the University of Waterloo. Growing up in a family that always stressed the importance of financial stability, Alex has learned to budget meticulously. While balancing school and a rewarding co-op placement at a tech startup, Alex takes pride in living within a modest means and saving up to $1.5k a month. This financial success has not only allowed Alex to invest in personal projects but also to support friends and family back home.