Everyday analytics as a science helps you make choices

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 to solving problems in conditions of instability. The article contributes to the popularization of scientific methods by demonstrating how theory is transformed into practical strategies for everyday and professional use. The authors emphasize that the model not only simplifies the analysis of alternatives, but also develops emotional stability, reducing stress when dealing with uncertainty. The results of the research can be used in business trainings, educational courses on financial literacy and personal growth programs, expanding the possibilities of adaptation to modern challenges.

decision-making, risk and uncertainty, decision optimization, personal factors, decision-making process, alternative options