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Indicator random variables: choose the indexing first

Replace 'how many of these happen' with a sum of 0/1 indicators, then use linearity. Half the expectation tricks in finance interviews are exactly this.

Method · Indicator Random Variables
Intro

Linearity of expectation is the rule; indicator random variables are how you cash it in. The art isn’t in applying linearity — that’s automatic. The art is in choosing what to index over so that one marginal probability is a one-line calculation. The same count can almost always be written as a sum over trials or as a sum over the things being counted (values, types, pairs, colors). The second choice usually wins. When the question contains the words “distinct,” “at least one,” “some,” or “how many different,” that’s your cue to index by the value space, not by the trial.

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