TPO 31 - Question 4 Mental Accounting Although they may not realize it, people do not always manage their money in responsible way. In their minds, people tend to divide their money into different categories as if they were putting it into separate menta

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For Q4, we need an introduction and then give two reasons. Like this :

Introduction. something like 'The professor is talking about....'. about two sentences in 10 seconds
Sub topic 1, blabla... about 20-25 seconds
Sub topic 2, blabla... about 20-25 seconds

Your problem is 'hesitations or overlapping speeches'. compare the sample answer: