To investigate real-time decision-making in a simplified context, we analyze the trade-offs individuals make using a game of Roulette. In this game, players observe a ball that gradually decelerates as it moves around a circular track, and the participants must predict where the ball will ultimately stop. Players are rewarded for making rapid, accurate predictions, while slower but accurate predictions, or fast yet inaccurate ones, result in lower rewards. In this speed-accuracy trade-off setup we can calculate the optimal timing for placing a bet based on the ball\'s initial speed and the deceleration rate, given the capacity of an individual\'s tracking abilities. We find that the participants improve their performance by accruing more reward with each trial and saturates close to the optimal performance, indicating that individuals learn the parameters of the physical model as well as a representation of the form of the reward under constrained time. Looking at the correlation between the bet time of the participant and the optimal betting time, the response delay and reward accrued, we find that the participant can be classified on a novice-expert spectrum. Our study offers ways to quantify human adaptation in competitive and dynamic environments such as sports, which may be helpful in enhancing participant performance.