In this case I'd use two variables (x and y)
X is invested at 9% and y at 18%
the amount at 18% was $450 less than the amount at x. From both accounts he received $162
so I got two equations in two unknowns
x-y=450 or y=x-450
0.9x+0.18y=162
you can either use substitution (like you're alluding to) or elimination to solve for x & y.
elimination
-x+y=-450
x+2y=16200/9
3y=16200/9-450
&
y=1/3(16200/9-450)
x=459+1/3(16200/9-450)
Setting up word problems is what math is all about. The skills follow the logic. Also a good basis in algebra is required for calculus. So I'd say most should be able to, whether they can is another matter.
Rap c∫

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