Think of an unanticipated major expense that you might face in the next five years. discuss how you will ensure that it does not devastate you financially.

How about a medical problem?  I have a friend who had three surgeries for endmetriosis before she was 17.  Her mother had health cover when she lived at home, but when she left home, she suddenly had no health cover and no money.

You could prevent this being the cause of you getting into serious debt by taking out health cover, or by saving money from your pay every week, and putting it aside for emergencies.

How's that?