The exam created by Charles asks questions about several different scenarios. Which one of the following is not one of these scenarios?

Group of answer choices

Borrowing money to pay for a luxurious world cruise in $5$ years.

Saving money to pay for a luxurious world cruise in $5$ years.

Saving money to provide for retirement in $25$ years.

Saving or borrowing money to provide for their children$$s college education.