When you are young you have lots of ___________ and low ___________.

• A. Financial Capital; Human Capital
• B. Human Capital; Financial Capital
• C. Social Capital; Physical Capital
• D. Cultural Capital; Knowledge Capital

Answer: (B)

This item tests how different forms of capital relate to age and resources. When you’re young, you typically have lots of human capital—the potential to learn, develop skills, and gain knowledge—while financial capital is usually low because you’re still earning less and spending on education or living costs. That combination makes the best fit the pairing of Human Capital and Financial Capital. The idea is that your education and abilities form a valuable asset you build on over time, which can translate into greater money and opportunities later on. Other pairings don’t fit as well because they describe types of resources that aren’t typically abundant in youth (for example, tangible assets or networks) in the same clear way as the contrast between high learning potential and limited money.