There's a lot of factors that make up anyone's decision. And more than one right answer for more than one reasons. Also, just because you make the right choice doesn't mean it wont go wrong. If you want guarantee a cash and you feel fairly certain that folding to the money will allow that, than it's the right decision. If you feel like you have a great chance to double up or possibly more and that will put you in position for a better run at some real cash, than calling is the right decision. People will argue for and against both. In the end even if your playing well some will call you smart and even more will call you a donkey. Good Luck!!