Which of the following would be considered a financial anomaly in personnel security?

A financial anomaly in personnel security refers to behavior or circumstances that may indicate a potential risk due to financial instability or irresponsibility. The correct choice highlights significant financial distress, such as bankruptcy or consistently being over 120 days delinquent on debt. These situations can raise red flags during security assessments because they may suggest underlying issues such as poor financial management, inability to meet obligations, or possibly increased susceptibility to coercion or exploitation.

In personnel security, understanding an individual's financial situation is crucial. Financial problems can lead to stress, distraction, or unethical decision-making, which could all impact the integrity required for sensitive positions. Therefore, a pattern of financial instability, such as bankruptcy or serious delinquency on debts, is closely monitored in personnel security evaluations to assess an individual's trustworthiness and reliability.

The other options presented do not indicate financial anomalies. Paying student loans on time demonstrates responsible management of financial commitments, while investing in the stock market and saving for retirement reflect healthy financial planning and stability. These behaviors typically signal fiscal responsibility and are generally viewed positively in the context of personnel security evaluations.