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By mastering financial literacy to speak the language of money, you become more capable of making informed decisions for your finances.

Annual Percentage Rate (APR) is a measure that captures the total cost of borrowing, expressed as an annual percentage.

Interest rates, expressed as a percentage, are the cost of borrowing money or the reward for saving it.

Capital refers to the assets that individuals or businesses use to create wealth. It is the fuel that powers the engine of economic growth.

Debt is money borrowed by one party from another. Think of it like a financial IOU.

Credit is the ability to borrow money or access goods or services with the understanding that you'll pay later.

Equity represents your share or interest in an asset after all debts associated with that asset are paid off.

Liquidity is all about how quickly and easily you can turn your assets, like stocks, bonds, or even your car, into cash.

Active income is the cash flow you generate by putting in your time and effort.

Passive income is money you earn without actively working for it.

Cash flow is a dynamic force that, when harnessed through strategic investments, can propel you toward financial freedom.

Net Worth is the difference between what you own (your assets) and what you owe (your liabilities).

Assets are the MVPs of your financial team. They're the things you own that keep the cash flowing.

Liabilities are just the debts or IOUs we owe to other folks or companies.